For many Australians, buying a home is not just tough, it is near-impossible.
Some parents have had to step in so their children can break into the market.
That includes Sydney couple Li Ping Yim and her husband Di Lin Zheng, who moved to Australia from China 19 years ago.
"For us, it's okay. For the kids it's very, very expensive. We help the kids. If all the kids, by themselves, buy the houses, it's very hard."
Two plans have now been put forward to help make buying a home easier.
The Property Council of Australia has released a 10-point plan that proposes increasing the supply of homes, lowering housing-production costs and phasing out stamp duty.
Chief executive Ken Morrison says the council also wants low-deposit loans for first-home buyers, similar to the so-called Keystart scheme in Western Australia.
"It is very difficult for people on modest incomes to get into the housing market for the first time in our big cities. It's tricky, because there's a whole bunch of detailed policy that needs to happen at a state level and a local government level, and we do see a role for federal leadership."
The Council of Social Service has offered its own six-point plan, prioritising low to moderate earners.
Chief executive Dr Cassandra Goldie explains her council's plan.
"We need to get more growth in social and affordable housing, so social housing, which is for people on really low incomes, and then affordable housing for people on very modest incomes. We've got to set very clear targets and make sure that the income levels are factored into the financing arrangements."
But a key point of contention between the two groups is whether negative gearing should stay or go.
Dr Goldie says she believes the system must be phased out.
"Having a very careful transitioning away from tax concessions that benefit private property speculators, property investors, that are looking for short-term capital growth."
The Property Council disagrees, and argues negative gearing should not be changed.
The Housing Industry Association's Graham Wolfe says he shares that view.
"The negative gearing helps investors come to the market, purchase off the plan, helps drive the construction and brings more supply into the marketplace. All three levels of government are aware of the role that they play. What we do need, however, is those three levels to sit down constructively, in a coordinated way, to understand their roles."
All the housing groups do agree that, in Australia's major cities, supply is a big problem.
Ken Morrison says there simply are not enough homes for prospective owners, meaning there is little competition, or need to bring down prices.
"Fundamentally, we need policies which are targeting that supply, reducing the cost of new housing construction, ensure that we've got more housing coming through and that the housing-construction cycle we're in lasts longer."
But real-estate agent Jimmy Psaltis says he is optimistic about the housing issue.
"It's tough, it's tough, but there's still a lot. As long as you're not too fussy, you'll find something. There are houses that are affordable. It's just a matter of what you can afford and not so much where you want to live."
Graham Wolfe says addressing the lack of housing, though, would go a long way to easing the burden on buyers.
"Our population is growing. We need to be building more homes. Now, in Sydney, where the population growth over the last three years has been a quarter of a million extra people, we need homes for those people to live in. Housing affordability is a national issue for us, something that needs to be resolved and something that's going to take all three levels of government to address."
