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A secured loan used by a borrower to buy a property. Typically a mortgage loan is repaid over a number of years to repay both the capital cost (i.e. the actual money paid for the property) and the interest on the loan. The deed of ownership for the property is held by the entity that provided the loan until the loan (including all interest) is fully repaid.

See build to rent

A term used to describe small-scale, non-professional investors.

The recognition that Aboriginal and Torres Strait Islander people have rights and interests to land and waters according to their traditional law and customs as set out in Australian Law. Native title is not a grant or right created by governments. Native Title is governed by the Native Title Act 1993.

National Disability Insurance Scheme – a Commonwealth Government scheme that provides support funding to eligible people with disability to improve their quality of life. It can include help with household tasks and home modification design to allow the participant to maintain and remain in their home environment.

The process whereby a property investor can deduct their property expenses (e.g. the interest on the loan required to buy the property, depreciation costs, land taxes, rates and maintenance costs) from both the income they receive as rent from the property and from other sources of income (e.g. their salary or other non-housing investments), thereby reducing their overall tax liability. The actual purchase cost of the property is not claimable for negative gearing purposes.

Newstart was a Commonwealth Government income support payment for people looking for work or who were unable to do usual work or study while they recovered from a temporary sickness or injury. On 20 March 2020 Newstart was replaced with JobSeeker Payment.

See income support

Non-shelter outcomes (sometimes also non-housing outcomes) refers to householders’ physical and mental health, education, labour market outcomes, crime and safety, community participation and social cohesion, locational dis/advantage and child development. Non-shelter outcomes for households may be improved by receiving housing assistance and other welfare benefits.

A temporary, medium or long-term living arrangement for children and young people who cannot live in their family home. Housing can be in:

• Foster care: a child is taken into care by a foster carer who has been trained and approved to look after children.
• Kinship care: a child is taken into care by a relative or family friend allowing them to remain within the family or local network.
• Permanent care: a child is placed into the care of a permanent carer (including foster or kinship carers where it is intended the child will remain in their care until age 18 or beyond) prior to a Permanent Care Order being made by the Children's Court.
• Residential care: a young person is placed into a home staffed by carers.

See crowding