There are many arguments being made against accessing superannuation to help buy a home, like it may encourage people to pay more for property, that superannuation is there to help fund your retirement and compound interest means the more you have in super early, the bigger your retirement balance.
But for some the future is hard to think about when there are more immediate pressures.
Ballina Gee is recently divorced.
"I've had to start all over again, unfortunately, as these circumstances unraveled but I was a sole parent for a very long time, I didn't rely on social security whatsoever, I worked the whole way through," she said.
The single mother of one rents in Western Sydney.
"I'm stuck in the rental market at the moment spending close to $500 per week, whereas that could really go to a house. I'm finding it difficult," she said.
Ballina Gee Source: SBS
Ms Gee says growing expenses are making it difficult to save for her own place.
"I would love to access my super, I would have enough there to actually put to a deposit and even if it's like a guarantor for deposit, I could get into the housing market and stop renting," she said.
New Zealand-based economist Shamubeel Eaqub says, while the debate continues in Australia, accessing super for housing is something New Zealanders have been able to do for years.
"It's been going for about five years, and you can essentially draw down in your superannuation account in New Zealand, it's called and you can use that towards your deposit," he said.
Mr Euqub says the average amount withdrawn has grown to about NZ$19,000, which is about 4 per cent of the median house price, with about 25,000 people using the scheme per year.
He adds that while it is helping more New Zealanders to buy their first home, there are problems with the system.
Average contribution to house deposit Source: Shamubeel Euqub
"The hindrance, of course, is that it adds to demand," he said. "In the last year, 25 per cent of house sales in New Zealand went towards first home buyers using KiwiSaver accounts, so the demand for housing, while we are not building enough, is pushing up house prices even more."
The superannuation industry in Australia says it can be involved in helping with supply, but there are obstacles.
Percentage of house purchases made with super withdrawal Source: Shamubeel Eaqub
"I think what we could see on the supply side and we've seen some use of this is the involvement of superannuation funds in affordable housing and low cost housing in the form of ," said Martin Fahy, CEO of the Association of Superannuation Funds of Australia.
"Potentially, we might be able to see a situation if there was appropriate asset classes that superannuation could participate as institutions.
"But the real challenges we have at the moment are given where prices are at the top of the market. It is very difficult to tempt superannuation funds into residential real estate as an asset class and until we see some moderation in prices then I think it is going to make it difficult to make it an asset class."
Experts like BIS Oxford Economics Property Analyst, Angie Zigomanis, warns there's no silver bullet.
"It has to be a long, slow, gradual process, and would have to be a number of things that can be done, whether it's all in once or other ways," he said.
"It's perhaps increasing supply, moving employment out into suburban and regional areas where the jobs are closer to affordable housing, it's improving infrastructure as well to make employment centres, more affordable to areas of affordable housing.
"In a longer term bigger picture people talk about perhaps making replacing stamp duty with a land tax so that properties get traded a lot more freely in the market."
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