Australia’s housing market is creaking under pressure — record-low affordability, rising lower-end prices, and policies that keep boosting demand instead of easing it. In this episode, Cotality’s Head of Research Eliza Owen helps us zoom out and make sense of the contradictions shaping today’s market.We unpack why “years to save a 20% deposit” is the wrong metric, why income — not deposits — is the real barrier, and how the 5% deposit scheme pushes prices up by funnelling demand under strict caps. Eliza also breaks down the mismatch between the homes we build and how Australians actually live, alongside the collapse in turnover rates that concentrates buying power among wealthier households.If you want a clear, data-led look at what’s really driving the crisis — and why prices keep rising even as affordability falls apart — this conversation cuts through the noise.<h2>Episode Highlights</h2>00:00 — Introduction and Overview of Australia's Housing Market02:18 — Government Incentives and Their Impact04:17 — Challenges in Housing Affordability10:16 — Policy Measures and Their Effects12:18 — Affordability and Market Trends17:55 — Turnover Rates and Market Stability22:20 — The Case for Replacing Stamp Duty with Land Tax25:28 — Mismatch in Housing Supply and Demand28:19 — Challenges in the Rental Market31:38 — Eliza's Departure and Reflections34:42 — Global Perspectives on Housing Markets38:51 — Affordability Metrics and Policy42:33 — Underquoting and Auction Dynamics43:36 — Conclusion and Listener Engagement<h2>About the Guest</h2>Eliza Owen is the Head of Research at Cotality (formerly CoreLogic), where she leads national market intelligence and economic analysis across Australia’s property sector. Appointed in 2020, she brings more than a decade of expertise in affordability metrics, credit conditions, lending environments, and the economic pressures shaping housing performance.Eliza has guided industry leaders through some of the most pivotal moments in recent history — from the volatility of COVID-era markets to the rapid rate-hike cycle and today’s affordability crisis. Her work helps governments, banks, and real estate professionals understand the shifting forces impacting buyers, sellers, and renters, using rigorous data to illuminate what’s really happening beneath the headlines.A sought-after keynote speaker and trusted media commentator, she has presented to thousands across real estate, construction, banking, and finance, translating complex economics into clear, practical insights. Passionate about demystifying housing data, Eliza is recognised for storytelling that cuts through complexity and empowers Australians to make smarter, evidence-based decisions in an increasingly strained housing landscape.<h2>Connect with Eliza</h2><ul><li><a href="https://www.linkedin.com/in/eliza-owen-2554ab65/" rel="noopener noreferrer" target="_blank">Eliza’s LinkedIn</a></li><li><a href="https://www.linkedin.com/company/cotalityaustralia/" rel="noopener noreferrer" target="_blank">Cotality Australia’s LinkedIn</a></li><li><a href="https://www.cotality.com/au" rel="noopener noreferrer" target="_blank">Cotality Australia’s Website</a></li><li><a href="https://www.facebook.com/cotalityau/" rel="noopener noreferrer" target="_blank">Cotality Australia’s Facebook Page</a></li><li><a href="https://www.instagram.com/cotality_au/" rel="noopener noreferrer" target="_blank">Cotality Australia’s Instagram</a></li></ul> <h2>Resources</h2><ul><li>Visit our website: <a href="https://www.theelephantintheroom.com.au" rel="noopener noreferrer" target="_blank">https://www.theelephantintheroom.com.au</a></li><li>If you have any questions or would like to be featured on our show, contact us at:</li><li>The Elephant in the Room Property Podcast - <a href="mailto:questions@theelephantintheroom.com.au" rel="noopener noreferrer" target="_blank">questions@theelephantintheroom.com.au</a></li><li>Looking for a Sydney Buyers Agent? <a href="http://www.gooddeeds.com.au/" rel="noopener noreferrer" target="_blank">https://www.gooddeeds.com.au</a></li><li>Work with Veronica: <a href="http://www.veronicamorgan.com.au" rel="noopener noreferrer" target="_blank">https://www.veronicamorgan.com.au</a></li><li>Looking for a Mortgage Broker? <a href="http://alcove.com.au" rel="noopener noreferrer" target="_blank">alcove.com.au</a></li><li>Work with Chris: <a href="mailto:chrisbates@alcove.com.au" rel="noopener noreferrer" target="_blank">chrisbates@alcove.com.au</a>&nbsp;</li></ul> Enjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!<ul><li>Subscribe on YouTube: <a href="https://www.youtube.com/@theelephantintheroom-podcast" rel="noopener noreferrer" target="_blank">https://www.youtube.com/@theelephantintheroom-podcast</a></li><li>Subscribe on Apple Podcasts: <a href="https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719" rel="noopener noreferrer" target="_blank">https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719</a></li><li>Subscribe on Spotify: <a href="https://open.spotify.com/show/3Ge1626dgnmK0RyKPcXjP0?si=26cde394fa854765" rel="noopener noreferrer" target="_blank">https://open.spotify.com/show/3Ge1626dgnmK0RyKPcXCathy0?si=26cde394fa854765</a></li></ul> If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

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What’s Really Driving the Crisis? Eliza Owen Cuts Through the Noise

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