CAMPAIGN LOG
AS IT HAPPENED
Restoring the Great Australian Dream
From the Founder
I'd like to share a dream with you. A dream that I'm determined to make a reality.
Over the last few years I've spent a lot of time looking at life, society and where Australia is heading. After decades as a Solution Architect, delivering what Alvin Toffler described as the technological future shock, I've found myself working on something very different.
I believe I've found the architecture for restoring the Great Australian Dream.
For me, that dream is simple. A single-income family being able to afford a home.
This isn't something I've arrived at through wishful thinking. I've modelled it backwards, forwards and sideways.
It's based on how affordability once worked, how current systems work today, and how they can work again.
The framework is practical, measurable and capable of being demonstrated using today's real-world conditions and systems.
So why isn't it happening?
Because housing has become entangled in so many competing interests, and governments naturally work within election cycles.
Too often, ideas are judged by whether they're re-electable rather than whether they're right for future generations.
That led me to step back and look at the whole ecosystem, cradle to grave, as I tend to do.
I realised there is a third force that can make it work, that is almost completely unused.
Social consciousness.
From that came Habinuum. The Habitat Continuum.
Habinuum isn't another lobby group. It is designed to be an independent public-interest organisation, funded only through public support.
Its purpose is to take the Habinuum framework, the belief that every ordinary Australian family should once again be able to buy a home on a single income, and work with experts to translate that framework into independent public policy.
The policy doesn't belong to vested interests.
It doesn't belong to political parties.
It belongs to the Australian people.
Politicians can then implement what Australia wants, or explain why they won't.
Habinuum already has the framework.
What it needs now is public support and funding to bring together the independent experts who can translate that framework into robust public policy.
No lobbying for vested interests.
No back-room deals.
Just a practical pathway back to affordable, stable housing for ordinary Australians.
For me, this is deeply personal.
Our three girls now live overseas, largely because housing affordability changed the opportunities available to them.
We aren't connected to them or our grandchildren in the way we hoped we would be. For me, the arguments about why affordability disappeared are becoming less important than implementing a credible pathway to restore it.
The consequences reach far beyond our family. They affect almost everyone under 40, and increasingly those under 50.
So I'd simply ask one favour.
If this resonates with you, please consider sharing the cause of restoring single-income housing affordability with your family and friends.
Support Habinuum to make a difference for all Australians.
I genuinely believe it's time.
DONATE Support Habinuum restore the great Australian Dream.
ITS TIME
A discussion Paper on Housing for the Australian People 20260727
“The price is not one problem. It is the accumulated result of the whole housing system.”
We agree
If housing now costs almost three times what Australian families can afford, and successive governments since the 1960s have allowed that to happen, then one conclusion is unavoidable
It’s Time
Habinuum couldn’t ask politicians what they thought
We began by listening to Australians
“We’re living in our car because we can’t find anywhere to rent
“We’ll probably only own a home when our parents die
“We both work full-time and still can’t save a deposit
We heard you
Then we did something different
We completed a cradle-to-grave analysis of Australia’s housing system
We built a framework to restore the Great Australian Dream
Now we are building the team to turn that framework into a social policy owned by Australians
Why
Because the changes needed are too large for any political party to take to an election and survive
They involve multiple major reforms that governments know would be political suicide
Political parties won’t lead that change
Australians can
When Australians stand together and say
“This is the housing system we want ”
Every political party faces the same choice
Deliver it, Or become unelectable
That is why Habinuum exists
That is why we are recruiting our founding Campaign and Fundraising Leader
That is why we are building Australia’s first independent housing movement
Australia, we heard you
Now it’s time to restore the Great Australian Dream
A question to the OECD. Can We Solve a Housing Problem We Haven't Defined?
Author Andrew (Andrij) Dyhin Founder Habinuum™ July 2026
For years the housing debate has focused on how to build more homes.
The OECD has now added to that discussion in its new policy paper, “Tackling the Affordability Gap through Increased Supply of Affordable and Social Housing (July 2026)”
But before deciding how to solve the problem, shouldn't we first agree on how to recognise when the problem has actually been solved?
The paper begins by stating that the housing affordability crisis reflects, in part, an imbalance between housing supply and demand and proposes expanding affordable and social rental housing as a key policy response. It also recommends activating vacant housing, leveraging public and private finance and strengthening institutions that deliver affordable housing.
Those recommendations may improve the supply of affordable housing.
They do not answer the more fundamental question: what is an affordable housing problem?
The OECD paper identifies housing affordability as a policy problem but does not define the measurable conditions that distinguish an affordable housing system from one that is unaffordable. Therefore, the paper evaluates policy instruments without first defining the conditions that would objectively demonstrate that the housing affordability problem has been solved.
For us without first defining the outcome, policy risks becoming a discussion about interventions rather than whether Australians will be able to afford a home after intervention.
The OECD identifies numerous contributing factors, including construction costs, labour shortages, land-use regulation, borrowing costs and declining public investment.
What it does not provide is a cradle-to-grave analysis of the housing system.
It does not establish: when affordability was lost; what structural changes caused that loss; what a functioning housing system previously looked like; or what measurable benchmark should define success. Without that baseline, governments can increase supply, expand affordable housing programmes and invest billions of dollars without ever demonstrating that housing has become affordable again.
For Australia, the missing benchmark is straightforward.
The question is not simply whether more dwellings are built.
The question is whether one average Australian wage, or two average Australian wages, can sustainably pay the weekly rent or weekly loan repayment required for housing.
That benchmark is measurable.
Using published Australian income data, published dwelling prices, published rental prices and standard mortgage assumptions, Habinuum's affordability work compares:
the weekly income of one average Australian income earner;
the combined weekly income of two average Australian income earners;
Against:
the average weekly rent for a two-bedroom apartment in an east-coast capital city;
And
the weekly loan repayment required to purchase an average three-bedroom house in the same market.
The human cost of failure is already visible.
"A terminally ill mother and her four children have been forced to live in their car after being unable to find an affordable rental home." Source: Gold Coast Bulletin / Courier-Mail, July 2026 (reported in Queensland Parliament as an example of the human cost of the housing crisis).
"Our investigation also found cases of people being locked out of 'affordable' rentals, seemingly because they did not earn enough." Source: ABC News, "Many affordable rental listings too expensive for most in need", 13 July 2026.
Australia's Housing System Has Failed Australian Income Earners.
The result is not a question of opinion; It is a measurable affordability test.
If one average wage cannot sustainably rent a two-bedroom apartment, housing is not affordable.
If two average wages cannot sustainably repay the loan on a three-bedroom home while still making ends meet, housing is not affordable.
Until those tests are passed, increasing housing supply or expanding affordable housing programmes may improve parts of the system, but they do not demonstrate that the housing system itself has become affordable.
This is where Habinuum differs from the OECD; The OECD begins with policy solutions.
Habinuum begins by defining the outcome. Only after defining that outcome can policy be considered objectively.
Housing affordability should therefore be measured against one simple national benchmark:
Can one average Australian wage, or where appropriate, two average Australian wages, sustainably pay the weekly rent or weekly loan repayment for housing while leaving sufficient income to live with dignity?
If the answer is no, Australia has not restored housing affordability, regardless of how many dwellings have been built or how many affordable housing programmes have been funded.
Where to now?
For too long, the voice of the people has been treated as background noise while the Great Australian Dream slipped beyond the reach of millions. Habinuum refuses to accept that this is our future.
We have listened. We have measured. We have uncovered what Australia once had, what we have lost and what it will take to restore it.
Australia this is where the change begins; Some of what we heard.
“ A terminally ill mother and four children living in a car.”
“A disability support worker forced to spend her superannuation on a motorhome.”
“A full-time worker who moved 25 times in 15 years.”
“A young working couple rejected for more than 15 rentals.”
“Can't save the deposit.”
“Can save the deposit but still can't meet repayments.”
If you feel what Habinuum has posted start here:
POST: “WE HEAR YOU.”
Those words are more than compassion. They are the beginning of social consciousness.
One voice becomes two. Two become thousands. Thousands become a nation that can no longer be ignored.
That is the democratic third power. Not politicians. Not governments. Australians standing beside Australians.
Then, whenever another Australian has the courage to speak about housing, do not scroll past. Do not analyse it. Do not argue with it.
Post the same words:
“WE HEAR YOU.”
This paper asks you to turn that voice into action.
Read it. Challenge it. Own it. Fund it. Help build it. Then take it to every political party, not as Habinuum’s policy, but as Australia’s social policy.
Together, we will restore the Great Australian Dream, because when Australians hear one another again, they can change anything.
Australians have done this before.
We united behind the impossible in the America's Cup.
We united behind change in 1972.
We rebuild communities after floods and fires.
Every generation has its defining moment.
Housing affordability is ours.
Its time.
Support Habinuum donate now. https://www.chatointernational.com/donate
Ref: OECD “Tackling the Affordability Gap through Increased Supply of Affordable and Social Housing (July 2026)”
Ref: Habinuum™ a register trademark and Trading name of CHATO International Pty Ltd
Habinuum is seeking an experienced fundraising and campaign leader to help build an independent national movement dedicated to restoring the Great Australian Dream.
This is not a conventional job advertisement. It is an invitation to help establish the movement during its foundation phase, initially on a defined pro bono basis, with the intention of transitioning to a funded executive leadership role as the organisation grows.
If this opportunity speaks to you, or you know someone with the experience to help build this movement, please contact me via the learn more link and the contact us button on the Habinuum page.
WE CAN’T AFFORD HOUSING WHILE PROFITS MOVE OFFSHORE
The recent ABC report that Brisbane’s foreign-owned AirTrain paid no Australian income tax for a decade should not be treated as an isolated foregone tax story. It is another warning that Australia is allowing profits generated from public infrastructure, Australian consumers and national resources to be shifted offshore while governments tell families there is not enough money for housing, hospitals, transport or essential services.
AirTrain operates on public infrastructure, charges Queenslanders $23.30 for a one-way trip, blocks competing direct public transport and, according to the ABC report, paid zero income tax between 2015 and 2025.
The ABC reported structure is familiar: the Australian business pays interest and charges to an overseas parent, taxable profit is reduced here, and the money leaves the country.
We have seen the same principle in the gas industry, where Australian gas can be sold through related overseas entities and the profit appears offshore rather than where the resource was extracted, processed and supported by Australian infrastructure.
Australia carries the cost, the risk and the public burden. The profit leaves, the tax disappears and governments hide behind complexity.
Habinuum does not accept that this is too difficult to fix.
The policy solution is direct: no related-party interest, financing charge or servicing fee should be tax deductible above the best commercially available Australian rate for a comparable borrower.
The same discipline should apply to transfer pricing. Australian assets and resources should be valued against real market benchmarks, not internal company arrangements that allow profit to be moved offshore.
Anything above the benchmark is not deductible. Anything transferred below fair market value is taxed at fair market value.
No years of legal theatre. No endless ATO negotiation after the money has gone. No more pretending that a system designed to be exploited is merely complicated.
Australia is not short of revenue. It is short of governments prepared to defend the public interest.
While Australians are being locked out of secure housing and told the country cannot afford to act, billions are leaking through structures that should have been closed years ago.
Habinuum exists because Australians are being asked to carry the consequences of policy failure.
That must end.
DONATE Support Habinuum restore the great Australian Dream.
#Habinuum #AsleepAtTheWheel #TaxAvoidance #TransferPricing #LNG #AirTrain #Governance #AustralianTax #CorporateAccountability #PublicInterest
YOU DIDN'T FAIL.
THE HOME LOAN SYSTEM IS FAILING MORE THAN
75% OF AUSTRALIAN INCOME EARNERS
Your Income Approx. % of Australian Income Earners Average East Coast 2-Bed Unit Average East Coast 3-Bed Home
Under $60,000 ~50% DECLINED DECLINED
Under $70,000 ~60% DECLINED DECLINED
Under $90,000 ~75% DECLINED DECLINED
$140,000 Household (2 × $70k) HIGH STRESS LOAN DECLINED
$180,000 Household APPROVED HIGH STRESS LOAN
$220,000 Household APPROVED APPROVED
THIS IS WHAT AUSTRALIANS ARE TELLING US ABOUT THEIR EXPERIENCE OF THE SYSTEM
• "My children and I are living in our car."
• "I did everything they told me to do... and I still can't buy a home."
• "We delayed having children because we couldn't afford a home."
• "We both work full-time... and we still don't qualify."
• "Imagine having to move house at 80 because your landlord wants to sell."
MORE THAN 75% OF AUSTRALIAN INCOME EARNERS DON'T QUALIFY FOR AN ORDINARY HOME LOAN.
DID THIS HAPPEN TO YOU?
Tell us what happened.
Be heard. Help change the system.
Habinuum exists to restore the Great Australian Dream.
DONATE Support Habinuum restore the great Australian Dream.
Trust Should Not Depend on Future Ministerial Discretion
Commonwealth land affordable housing bill
Public land should not be sold with a vague affordability condition stapled to the contract.
That is not reform.
That is selling the opportunity before the public has secured the return.
If affordability is not defined in real dollars, locked in legally, and protected for generations, Australians are being asked to trust that future governments, ministers, departments and developers will preserve the promise after the land is gone.
And once public land is gone, it is gone.
Queensland has already shown the risk: affordable housing components can be requested out of major developments after policy settings change.
In one reported case, hundreds of planned low-cost homes were removed from a Robina and Merrimac project, with further homes removed from a Lutwyche project.
That is why the test cannot be goodwill.
The test must be enforceability.
So the question is this:
Should any public land be handed to private developers unless the affordable housing outcome is permanent, measurable, and legally guaranteed?
Follow Habinuum if you think public land should deliver public benefit, not public regret.
DONATE Support Habinuum restore the great Australian Dream.
RESTORE THE GREAT AUSTRALIAN DREAM
Housing affordability is an Australian right.
Fifty years ago, Australia had it.
We can have it again.
Habinuum has the framework.
Help fund the independent experts
to translate the framework into enduring public policy.
Restore the Great Australian Dream.
Australia, it's time.
Support Habinuum.
Make the dream real again.
Donate to fund the experts now.
DONATE Support Habinuum restore the great Australian Dream.
AFFORDABLE HOUSING FOR AUSTRALIANS
Housing became unaffordable over the last 50 years.
There are many factors that created it.
Government cannot restore it without a strong public voice.
Habinuum has the framework for that voice.
We need funding to:
• Build the public voice that demands change.
• Bring together the experts to translate the framework into policy for that public voice.
• Restore home ownership, where an ordinary single-income family can once again afford a home.
Australia, it's time.
Help fund the policy, planning and implementation pathways needed to transform the Habinuum framework into a blueprint for affordable housing in Australia.
Let’s restore the Great Australian Dream.
It's Time.
DONATE Support Habinuum restore the great Australian Dream.
DID ANYONE CHECK THIS?
The United States.
• House prices around 40% lower.
• Average wages around 20% higher.
• First-home buyer? 40 years old.So why do we believe Australia's housing affordability solution is simply: • More land, infrastructure and productivity?
Are we solving the wrong problem?
Help fund the policy, planning and implementation pathways needed to transform the Habinuum framework into a blueprint for affordable housing in Australia.
Let’s restore the Great Australian Dream.
It's Time.
DONATE Support Habinuum restore the great Australian Dream.
TODAY WE LAY THE FIRST BRICK.
ENSHRINING HOME OWNERSHIP AS AN AUSTRALIAN EXPECTATION.
Today for a 3 bedroom home, a typical family needs:
$200,000+ deposit
8-15 years of saving
Around $1,200/week loan serviceability
We need your help to change that.
Habinuum's framework targets:
3-bedroom home
Around $600/week loan serviceability
Deposit below $100,000
Saving time cut in half
Within reach of a single average income family
Habinuum has the architectural framework.
Donate today.
Help fund the policy, planning and implementation pathways needed to transform
the Habinuum framework into a blueprint for affordable housing in Australia.
Let’s restore the Great Australian Dream.
It's Time.
DONATE Support Habinuum restore the great Australian Dream.
RESTORING THE GREAT AUSTRALIAN DREAM.
IT'S TIME.
HABINUUM IS THE PATHWAY.
Chapters ( 15-20)
We've looked together at what affordable home ownership once gave Australians.
We can see what has been lost.
The pain you feel, not being able to reach it.
We're determined to restore it.
The next phase of Habinuum is about restoring the Great Australian Dream.
Not as a dream.
As an Australian's right.
The next briefing introduces the Habinuum pathway.
The foundation for developing Australia's Affordable Housing Blueprint.
It's Time.
DONATE Support Habinuum. Restore the Great Australian Dream
POST 1 OF 20
HOUSING AFFORDABILITY; WE'RE CLAIMING IT BACK
A family sleeps in a car tonight.
They work.
They care.
They try.
Its because housing affordability disappeared.
Thats not right.
Thats not Australian.
IT'S TIME; SUPPORT HABINUUM
POST 2 OF 20
HOUSING AFFORDABILITY; WE'RE CLAIMING IT BACK
In 1980 a typical family could service a home loan with one income.
Today you need around 2.5 incomes for the same outcome.Australia what changed?
IT'S TIME; SUPPORT HABINUUM
POST 3 OF 20
HOUSING AFFORDABILITY; WE'RE CLAIMING IT BACK
A young couple both work .
They do everything they can.
Home ownership keeps moving away.
The dream is no longer getting ahead.
Australia, the dream is simply catching up.
IT'S TIME; SUPPORT HABINUUM
POST 4 OF 20 HOUSING AFFORDABILITY; WE'RE CLAIMING IT BACK
In 1980 a home cost around 4.5 times annual income.
Today 10 times average annual income.
The question isnt did prices rise ?
Australia, is the price acceptable.
IT'S TIME; SUPPORT HABINUUM
POST 5 OF 20
HOUSING AFFORDABILITY; WE'RE CLAIMING IT BACK
A single parent quietly puts groceries back on the shelf.
Not because they want to.
Because something else has to be paid.
Affordability affects more than housing.
Australia, It affects everyday life.
IT'S TIME; SUPPORT HABINUUM
POST 6 OF 20
HOUSING AFFORDABILITY; WE'RE CLAIMING IT BACK
A grandparent watches their children and grandchildren struggle to achieve what was normal.
Not luxury.
Not wealth.
Australia, it was a home.
IT'S TIME; SUPPORT HABINUUM
POST 7 OF 20
HOUSING AFFORDABILITY; WE'RE CLAIMING IT BACK
Food bank queues are growing.
Housing stress is growing.
Financial pressure is growing.
Australia, the question is what changed.
IT'S TIME; SUPPORT HABINUUM
POST 8 OF 20
HOUSING AFFORDABILITY; WE'RE CLAIMING IT BACK
We know what housing affordability looks like.
We had it.
We know what it felt like.
We know what it made possible.
Which means, Australia, we know it can be real.
IT'S TIME; SUPPORT HABINUUM
POST 9 OF 20
HOUSING AFFORDABILITY; WE'RE CLAIMING IT BACK
For more than five decades Australians have debated housing affordability.
Yet affordability continues to deteriorate.
Perhaps it is time to ask different questions, Australia.
IT'S TIME; SUPPORT HABINUUM
POST 10 OF 20
HOUSING AFFORDABILITY; WE'RE CLAIMING IT BACK
We know affordability existed.
We know it was lost.
We know Australians are paying the price.
Australia, enough.
IT'S TIME; SUPPORT HABINUUM
POST 11 OF 20
HOUSING AFFORDABILITY; WE'RE CLAIMING IT BACK
For too long Australians have adapted.
Smaller dreams.
Later families.
More debt.
Australia, that’s enough.
IT'S TIME; SUPPORT HABINUUM
POST 12 OF 20
HOUSING AFFORDABILITY; WE'RE CLAIMING IT BACK
Australia does not need another slogan.
It needs a solution architect.
Habinuum is building the framework to restore affordability.
Australia, this is our line in the sand.
IT'S TIME; SUPPORT HABINUUM
POST 13 OF 20
HOUSING AFFORDABILITY; WE'RE CLAIMING IT BACK
Australia doesn't need another promise.
It needs a plan.
Habinuum is building it.
Australia, it's time.
IT'S TIME; SUPPORT HABINUUM
POST 14 OF 20
HOUSING AFFORDABILITY; WE'RE CLAIMING IT BACK
Housing affordability wasn't lost overnight.
It was dismantled one piece at a time.
Habinuum is putting the pieces back together.
Australia, it's time.
IT'S TIME; SUPPORT HABINUUM
