460:, stating, "The new army of low paid workers in insecure jobs with casually employed spouse and the tribe of impoverished people in their twenties have little chance of entering the housing market, ever...A boom is disastrous for first home buyers and useless to most home owners trading places." She described the decade as a watershed for housing policy, when government opened the country to market forces, passing on many risks to individuals whereas previously risks had been pooled and borne by society. The government had withdrawn from supporting public housing while contributing a massive amount of Rent Assistance paid to low-income private renters. No demands were made on owners. Thus, governments essentially abandoned traditional Australian values of a “fair go for all”.
255:, she produced the Housing Subsidy Study. The project report detailed several hundred housing subsidies, distributing them by housing tenure and income group, to show that high income home owners were receiving the greatest subsidies, while private renters were receiving almost nothing. The results were instrumental to the Commonwealth greatly extending Rent Assistance to private renters. Today, this is by far Australia’s largest housing assistance programme, with annual outlays of over $ 5 billion.
325:, the outcomes of which were published in a book and in a special journal issue. The collaborative study looked at the impacts of the very substantial social and economic restructuring that had been taking place in Australia, including falling fertility, labour market restructuring and rent assistance. From the analysis, three important new strands of research emerged - falling home ownership, loss of low-cost rental housing, and distributional impacts of urban restructuring.
359:
acceptable. Wulff and Yates found that more than half the remaining affordable stock was occupied by higher-income young couples who were competing with low income older single persons. To explain the situation, they variously considered two-income households saving to buy, property managers screening out low-income tenants, and misdirection of supply-side incentives. They concluded, "The unaided private market provision of new low-income housing is substantially a fantasy."
376:
the
Australian housing system. She found that 860,000 lower income households in Australia were paying more than 30% of their incomes on housing. About a quarter of these reported financial stress. Of the tenures, lower income private renters had more intense, widespread and persistent problems, with about half of these lacking secure, affordable housing, with little hope of home ownership. Median Sydney house prices needed to be at least $ 150,000 lower to be affordable.
171:
worked for ABS, taking up a tutorship in
Economics at ANU instead, then a lectureship at the University of Adelaide during 1966. She married Warren Yates at the end of that year. The couple lived for three years in the Netherlands while Warren worked as an electrical engineer in Philips. They both became fluent in Dutch and retained lifelong connections and friendships in the
293:. After 2000, the issue was not inflation but very high and rapidly increasing house prices. Interest grew among government and non-profit lenders to use shared equity in stretching available funds for lending to lower income households, but the idea never really became popular with either lenders or borrowers.
475:
Judy Yates died in May 2022 from a progressive lung condition. At her memorial, she was designated as the “doyenne of
Australian housing researchers”. Colleagues described her dignified common sense, her easy-going calmness accompanied by intellectual restlessness, her legendary organisation, and her
358:
declining and incomes polarising, the demand and supply of private rental housing rapidly increased, but low-rent properties disappeared. The need for low-rent stock doubled between 1986 and 1996. Low-income renters were paying a much higher proportion of their incomes than had previously been deemed
447:
In a chapter for a book on
Australia's cities in the same year, Yates concentrated on spatial variations in housing wealth, and particularly on debt, She found that increased competition under liberalisation lowered interest rates, financial innovations such as redraw and interest only loans reduced
426:
decadal review she stated that the housing system was unstable due to structural problems, and it was too late to return to an era of affordable housing and high home ownership. In a second paper with Mike Berry, she sketched out the implications for housing of two post- crisis scenarios of business
375:
As the
Director of AHURI Sydney from 2001 to 2004, Yates obtained her largest research project in 2003, involving seven other researchers across Australia. She wrote the final report in 2007 with Vivienne Milligan. This was Yates’ major contribution to mainstream housing research and to the study of
206:
Around 1980, Yates was one of many economists commissioned for background work by the
Australian Financial System Inquiry (Campbell Report), which sought as part of financial deregulation to bring housing interest rates in line with market rates. With her strong sense of social justice, Yates turned
182:
The couple returned to
Australia in 1971 and settled in Mosman on Sydney’s North Shore. Warren obtained a lecturer position at the then NSW Institute of Technology, eventually becoming Professor and head of department, while Judith was offered a lectureship in mathematical economics in the School of
170:
ABS) to study economics at the
Australian National University (ANU), and was among the first intake at the new residential college, Bruce Hall. She topped her class in her Honours degree in 1964. When she found her male fellow cadets would be paid more than she would, she paid off her bond and never
258:
The same year, Yates proposed a radical restructuring of housing assistance not just in
Australia but generally, through an ingenious self-financing insurance scheme which included her four preferred interventions. These were a tax on imputed income from owner-occupied housing, a housing allowance,
443:
In 2012 Yates gave the Giblin lecture at the
University of Tasmania, explaining why wealth inequality was important. She showed that the near-doubling of wealth per household in Australia over the decade after 1996 was almost entirely due to price increases of housing. Attitudes among home owners
234:
It had been presumed that deregulation would result in more finance for housing, which would increase home ownership, and would encourage banks to be more innovative. In a 1988 review, Yates showed that after an initial spurt from 1982 to 1985, deregulation barely changed the real value of housing
301:
A huge shortfall in affordable and social rental housing had developed in Australia by 1991, with governments unwilling to construct stock at the necessary scale. As part of the 1991 Housing Strategy, Yates suggested a synthetic “equity bond” backed by a stock of rental housing, similar to a unit
366:
researcher Kath Hulse, she examined the apparent paradox where increasing demand from higher and lower income households was accompanied by increasing concentration of supply in mid-market segments. The authors attributed the mid-market misallocation to an increasing reliance on capital gains by
439:
in 2009 she put her own mark on the prevalent research topic of the effect of perceived wealth on household spending. She found $ 100,000 in extra wealth increased spending by $ 1000 to $ 1500 annually. This implied that a 5% increase in housing wealth would increase GDP by 0.2 to 0.3 per cent.
468:
Yates retired from teaching in 2009, but maintained a full programme of research. She was appointed a Member of the Order of Australia Award in 2021 for "significant services to housing research and education”. The Judith Yates Prize in Economics was announced at the University of Sydney soon
345:
In subsequent decades, the incidence of home ownership among young people continued to decline slowly. In a land of home owners, the subject was of great interest to the press. In 2015, Yates found ownership had declined by 16 points for 25-34 year-olds and a decline was becoming evident in
435:
Yates returned intermittently to the question of wealth distribution and imputed rental. In 1991, with the assistance of an ABS fellowship, she analysed methodologies and data sources for including imputed rent within income distributions, in line with United Nations recommendations.
444:
regarding their inalienable right to accumulate unearned gains needed to change, and socially generated wealth should be retained by the community. She considered that a land tax constructed as a resource tax, and repayment on sale of First Home Owner Grants, were desirable steps.
476:
unstoppable and tireless commitment to social justice. She was rooted entirely in the present, neither aspirational nor dwelling on past glories or mistakes. She was much more interested in what people had to say than who they were, and listened attentively to anyone.
235:
loans in Australia. The extra money made available disappeared into higher house prices. As well, the private sector remained conservative and unadventurous, while the public sector was setting up innovative secondary mortgage markets and low-start loan instruments.
230:
In 1984, because of her work on housing finance, she was invited as the first woman to join the boards of the Housing Loans Insurance Corporation and, the Commonwealth Bank. She was also seconded to the National Inquiry into Local Government Finance.
479:
Yates was intellectually uncompromising and bold, never adjusting her principles or ideals to meet the changing political climate. For more than forty years, she worked almost exclusively on Australian housing markets. She supported exactly the same
238:
Her last paper on deregulation was published in 2016. She considered deregulation had allowed strong economic performance and prosperity in Australia. However, income and wealth inequality increased, while the credit boom and the vastly expanded
337:
study identified for the first time that the home ownership rate for younger households, which had been thought to be stable since the early 1960s, was falling. The details were laid out in Yates’ first study under the newly reconstituted
127:
aspects of the tax and finance system, on affordability and the supply of low-rent housing.Throughout her career she was appointed to a number of government advisory committees, and she contributed to many government inquiries.
214:
Using several surveys, Yates estimated the distribution of wealth and housing demand in Australia for the first time. She formed the strong opinion that indirect subsidies to home owners, specifically the non-taxation of
269:
government announced a plan to give purchasers a choice between stamp duty on purchase and a land tax, in line with recommendations of Yates and other economists. Yates commented this would be an extremely slow process.
243:
market caused a tripling of debt. There were perverse distributional outcomes, as house prices rose dramatically, housing supply was inadequate, and access to affordable housing decreased.
456:
As Australia's leading housing economist, Yates was frequently asked to give overview articles or addresses on the state of housing policy. In 1994 she criticised the beginnings of the
186:
From 1975 to 1981, Yates was active in economics education, through the NSW Board of Secondary School Studies and the Higher Education Research and Development Society of Australia.
448:
borrower risk, and borrowers without children became eligible for larger loans - reversing the traditional advantage of home purchasers with children in obtaining housing finance.
223:, were inequitable and inefficient as it gave the greatest benefit to wealthier households who had already paid off their houses, neither helping first home buyers nor increasing
278:
High interest rates in the 1980's distorted and “front loaded” the standard credit foncier mortgage, In a 1983 Working Paper, Yates discussed incentives for the introduction of
1936:
306:
industry. This made front-page news, when it was announced the Victorian government and senior Commonwealth public servants supported the plan. However, it was not adopted.
663:
Whitehead, C. and Yates, J. (2007) Increasing affordability problems - a role for shared equity products? Experience in Australia and the UK (2007) with Christine Whitehead
386:
Intergenerational equity was compromised by lack of access to home ownership. The necessary real income to purchase a median-priced house had more than doubled since 1984.
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n which house lending had been heavily implicated in the US recession, Yates offered three broad analyses of the housing sector and housing policy in Australia. For the
1070:
Yates, Judith; Yanotti, Maria (2016). "Australia's 25 Years with a deregulated housing finance system: Looking back and looking forward". In Lunde; Whitehead (eds.).
119:(20 November 1943 – 20 May 2022) was an Australian housing economist. She was a lecturer and associate professor at the University of Sydney from 1971 to 2009. As a
363:
339:
136:
1941:
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as usual and recession. In a third paper, she questioned whether maintaining home ownership as the dominant tenure was sustainable on an intergenerational basis.
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economist, she published over 120 papers in academic journals and government and industry reports on most aspects of Australia's housing sector, most notably on
286:
loan. At first she stated a non-subsidised program could only benefit people who could already afford to buy, but later she found a way for this to work.
193:
to Britain in 1979, Yates became embedded in the housing research community. No other Australian academics were involved in housing research at the time.
1951:
1243:
Whitehead, Christine; Yates, Judith (2007). "Increasing affordability problems - A role for shared equity products? Experience in Australia and the UK".
472:
In 2020 she produced her first book, describing endlessly rising house and land prices in Australia as a "massive policy failure and a great betrayal".
179:
and stability of systems of equations. She published a paper from her thesis in 1967, but it would be 14 years before she published in economics again.
712:
Sustaining fair shares: the Australian housing system and intergenerational sustainability. (2008, AHURI) with Kendig, Phillips, Milligan and Tanton.
722:
Supply shortages and affordability outcomes in the private rental sector: short and longer term trends (2015, AHURI) with Hulse, Reynolds and Stone.
342:. The incidence of ownership had fallen by nine percentage points over the period 1981-96 for 25-34 year-olds, and five points for 35-44 year-olds.
1946:
1679:
Yates, Judith (2011). "Cyclical versus structural sustainability of home ownership: Is counter-cyclical intervention in housing markets enough?".
1519:
Hulse, Kath; Yates, Judith (2017). "A private rental sector paradox: unpacking the effects of urban restructuring on housing market dynamics".
403:
The long-term trend of rising land and house prices needed to be dampened by reducing impediments to housing supply and reforming tax settings.
155:. Her mother Betty was university–educated and a teacher. After the War, Vernon Potter obtained a medical degree and was surgical registrar in
1725:
262:
Yates continued to evaluate housing subsidies throughout her career, providing updates to distribution estimates in 2003, 2004 and 2010.
419:
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There would be a continuing need to provide direct assistance to help lower-income renters and assist aspirant and struggling buyers.
1787:
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Higher-income households who could no longer afford ownership were pushing lower-income renters out of the affordable private stock.
115:
29:
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A private rental sector paradox: unpacking the effects of urban restructuring on housing market dynamics. (2017) with Kath Hulse
409:
A framework for long-term renting was needed to attract institutional investment and boost the capacity of regulated landlords.
167:
1931:
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Changes in the supply of and need for low rent dwellings in the private rental market (2004, AHURI) with Wulff and Reynolds
279:
259:
shared equity loans and housing bonds. The scheme involved a considerable redistribution of benefits from rich to poor.
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303:
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The shortfall of affordable rental dwellings subsequently grew very rapidly, reaching 271,000 by 2011. In 2015, with
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457:
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152:
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Judith Yates née Potter was the eldest of five children. Her father Vernon Wheatley Potter married Betty Bates of
423:
660:
Market provision of affordable rental housing: lessons from recent trends in Australia (2005) with Maryann Wulff
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issues, which few others were considering at the time. She did much of the distributional work for the Inquiry.
1293:
392:
Gentrification was pushing affordable housing to the city fringe, causing difficulties in recruiting labour.
99:
1320:"Housing Supply Bonds—a suitable instrument to channel investment towards affordable housing in Australia?"
1818:
Yates, Judith (1997). "Changing directions in Australian housing policies: the end of muddling through?".
1766:
Yates, Judith (2012). Housing and the distribution of wealth. 2012 Giblin Lecture, University of Tasmania.
669:
Home ownership as a (crumbling) fourth pillar of social insurance in Australia. (2010) with Bruce Bradbury
395:
The sensitivity of at-risk households to interest rate rises made it more difficult to manage the economy.
208:
175:, visiting regularly and taking bicycling tours in Europe. Yates did a PhD at University of Amsterdam, on
124:
1179:
932:
672:
Evaluating social and affordable housing reform in Australia: lessons to be learned from history (2013)
645:
Is Australia's home-ownership rate really stable? an examination of change between 1975 and 1994 (2000)
163:
in May 1949. Yates attended school in Port Pirie, where she showed a strong aptitude for mathematics.
1926:
1921:
1111:
688:
The distributional Impact of interest rate regulation on the household sector (1981, Campbell Report)
89:
309:
After 2012, Yates worked with other researchers to advance vehicles for attracting private finance.
1155:
Wade, Matt (19 November 2020). "Like all big tax ideas, reforming this levy will not be painless".
290:
1696:
1661:
1644:
Yates, Judith (2011). "Housing and mortgage markets in turbulent times: Is Australia different".
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1396:
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and the Housing Loans Insurance Corporation. From 2001 to 2017 she worked extensively with the
1783:
1721:
716:
481:
224:
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Economics at the University of Sydney. They had two children, Kylie in 1971 and Mark in 1972.
132:
120:
1776:
Yates, Judith (2012). "Housing policies and wealth inequality". In Tomlinson, Richard (ed.).
725:
Housing prices, household debt and household consumption (2017, AHURI) with Atalay and Whelan
1827:
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1119:
1052:
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968:
865:
1603:
675:
Why does Australia have an affordable housing problem and what can be done about it? (2016)
1206:
Yates, Judith (1992). "Shared ownership: the socialisation or privatisation of housing?".
1192:
945:
884:"Australian Financial System - Final Report of the Committee of Inquiry | Treasury.gov.au"
266:
166:
Yates obtained a cadetship from the Commonwealth Bureau of Census and Statistics (now the
908:
Mitchell, Alan (26 June 1982). "Doubts begin to spread about Campbell Committee claims".
654:
The more things change?' An overview of Australia's recent home ownership policies (2003)
1587:
Horin, Adele (24 February 2007). "Parents no fix for a distant great Australian dream".
1115:
826:
379:
Some of the risks associated with housing affordability problems were borne by society:
1056:
1014:
972:
355:
283:
240:
220:
176:
1742:
1319:
697:
Low rent housing in Australia 1986 to 1996: How has it changed (2001, AHRF) with Wulff
1915:
1700:
1665:
1540:
1400:
1365:
1141:
1071:
853:
1890:
1043:
Yates, Judith (1988). "Housing finance and deregulation: predictions and outcomes".
703:
A distributional analysis of the impact of indirect housing assistance (2003, AHURI)
1602:
Yates, Judith (2011). "Housing in Australia in the 2000s: Too late on the agenda".
1572:
Saulwick, Jacob (22 September 2007). "Learning to live with the impossible dream".
1171:
924:
869:
216:
1619:
1532:
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Increase the supply of social rental housing and affordable private rental housing
1779:
Australia's Unintended Cities: Housing Markets, Policies and their Urban Outcomes
1777:
1692:
1657:
1172:"Access to Housing Finance and Alternative Forms of Housing Loans in the 1980's"
883:
172:
156:
1717:
Australia's owner-occupied housing wealth and its impact on income distribution
1831:
1357:
1344:
Yates, Judith (2001). "Australia's housing choices: retrospect and prospect".
1219:
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771:
491:
Target housing subsidies equitably to lower income earners and between tenures
367:
landlords, accompanied by taxation benefits and urban consolidation pressure.
190:
160:
148:
797:
745:
1379:
Yates, Judith (2000). "Is Australia's home ownership rate really stable?".
700:
Housing implications of social, spatial and structural change (2002, AHURI)
289:
In subsequent years, she engaged in comparative work on shared equity with
1392:
657:
Affordable rental housing: lost, stolen and strayed (2005) with Gavin Wood
302:
trust, to attract money for affordable housing from the rapidly expanding
1028:
Cleary, Paul (1 May 1989). "Increase low rent housing, government told".
709:
Housing affordability: a 21st century problem (2007, AHURI) with Milligan
1102:
Yates, Judith (1989). "Housing policy reform: a constructive critique".
540:
Editorial and Management Board, Housing Studies (UK) journal, 1992-2007.
317:
In 1996 Yates and AHURI researcher Maryann Wulff obtained a three-year
440:
Middle-aged home owners were the most likely to increase consumption.
1860:
Irvine, Jessica (20 February 2020). "The great Australian betrayal".
1228:
1132:
651:
Housing implications of social, spatial and structural change (2002)
648:
W(h)ither low cost private rental housing? (2000) with Maryann Wulff
615:
A note on the conditions for stability of a set of equations (1967)
484:
policy solutions throughout her forty year career, which were to:
627:
Housing finance and deregulation: predictions and outcomes (1988)
1277:
Burton, Tom (4 February 1992). "PM's plan for cheaper housing".
1001:
Yates, Judith (1982). "The demand for owner-occupied housing".
959:
Yates, Judith (1981). "The demand for owner-occupied housing".
469:
afterward for an undergraduate essay “meeting societal needs”.
159:
NSW from 1945, before taking up practice in the mining port of
854:"Research in economic education: Are Our horizons Too narrow?"
1461:
Spearing, Mark (28 November 2015). "Home ownership falling".
1446:
Colebatch, Tim (22 February 2008). "Home ownership falling".
1417:
Housing implications of social, spatial and structural change
925:"An Analysis of Asset Holdings in Australia by Income Class"
728:
CHIA NSW. Social and affordable housing projections, 2016–26
578:
Recognition of achievement for housing research award (2008)
516:
Building Research and Development Advisory Committee 1987-90
1493:
Jopson (30 November 1999). "Rich squeezing poor on rents".
642:
Towards a reassessment of the private rental market (1996)
553:
Committee of Inquiry into Local Government Financing (1984)
624:
Equalisation and cash limits: a view from down under (1987
568:
Committee for the Economic Development of Australia (2017)
519:
Ministerial Advisory Committee on Housing Access (1989–91)
151:
in South Australia in 1942, while he was serving in the
1875:
Milligan, Vivienne; Pawson, Hal; Yates, Judith (2020).
383:
Frequent moves contributed to a lack of social cohesion
340:
Australian Housing and Urban Research Institute (AHURI)
630:
Housing subsidies and income distribution (1989) with
1877:
Housing Policy in Australia, A Case for System Reform
636:
Housing policy reform: a constructive critique (1989)
603:
Housing Policy in Australia, A Case for System Reform
531:
NSW Ministerial Task Force on Affordable Housing 1998
1508:
Button, James (13 January 2001). "Housing fantasy".
1431:Bransgrove, Chris (25 April 1998). "Market facts".
95:
85:
77:
72:
56:
37:
23:
1318:Lawson, Julie; Milligan, Vivienna; Yates, Judith.
621:Deregulation of interest rates for housing? (1981)
1720:. SPRC reports and proceedings. Kensington, NSW.
522:NSW Home Purchase Assistance Authority 1993-2001
666:Australia's housing affordability crisis (2008)
494:Apply a broad-based land tax as a resource rent
137:Australian Housing and Urban Research Institute
525:Australian Statistics Advisory Council 1994-97
1559:Housing Affordability: a 21st Century Problem
986:Mitchell, Alan (9 October 1987). "Untitled".
618:The demand for owner-occupied housing.(1981).
562:Economic Planning and Advisory Council (1991)
507:Housing Loans Insurance Corporation 1984-1987
131:She was the first woman on the boards of the
8:
1266:. Issues Paper 3, National Housing Strategy.
639:Imputed rent and income distribution (1994)
1937:Academic staff of the University of Sydney
1557:Yates, Judith; Milligan, Vivienne (2005).
691:Housing subsidies study (1987, AHRC) with
550:Australian Financial System Inquiry (1981)
510:Commonwealth Banking Corporation 1984-1990
20:
1227:
1131:
537:National Housing Supply Council 2008-2013
1803:Horin, Adele (23 March 1994). "Column".
737:
1743:"Housing wealth and consumer spending"
1188:
1177:
1091:. Australian Housing Research Council.
1073:Milestones in European Housing Finance
941:
930:
534:National Housing Company Ltd 2011-2012
1942:Australian National University alumni
1782:. CSIRO Publishing. pp. 83–101.
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1550:
559:National Housing Policy Review (1989)
7:
1845:"Companion (AC), General Division".
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528:Resource Cooperative Housing 1990-92
1605:The Australian Economy in the 2000s
1294:"Housing bonds: back on the agenda"
581:Member of Order of Australia (2021)
513:Australian Housing Council (1987–91
1476:Yates, Judith (2017). "Overview".
1087:Flood, Joe; Yates, Judith (1987).
1076:. Basil Blackwell. pp. 37–53.
1057:10.1111/j.1467-8462.1988.tb00532.x
1015:10.1111/j.1467-8454.1981.tb00358.x
973:10.1111/j.1467-8454.1981.tb00358.x
297:Private finance for social housing
14:
1952:Members of the Order of Australia
776:Commonwealth of Australia Gazette
683:Selection of commissioned reports
1879:. Singapore: Palgrave-Macmillan.
1741:Yates, Judith; Whelan, Stephen.
565:National Housing Strategy (1991)
16:Australian economist (1943–2022)
605:(2020) with Pawson and Milligan
168:Australian Bureau of Statistics
1947:University of Amsterdam alumni
870:10.1080/00220485.1978.10845471
858:Journal of Economics Education
502:Boards and advisory committees
399:The necessary responses were:
1:
1561:. AHURI Final Report No. 105.
1533:10.1080/02673037.2016.1194378
1245:Housing Finance International
1170:Yates, Judith (1 July 1983).
556:Social Security Review (1987)
280:Shared Appreciation Mortgages
202:Deregulation and distribution
1693:10.1080/02673037.2011.616994
1658:10.1080/02673037.2011.609328
1608:. Reserve Bank of Australia.
1264:Financing Australian Housing
923:Yates, Judith (1 May 1981).
772:"Royal Australian Air Force"
610:Selection of academic papers
1849:. 14 June 2021. p. 17.
599:(1999). With Maryann Wulff.
597:Australia's Housing Choices
323:Australia’s Housing Choices
319:Australian Research Council
197:Career in housing economics
1968:
1045:Australian Economic Review
1003:Australian Economic Papers
961:Australian Economic Papers
798:"Dr. Leitch Leaving Pirie"
153:Royal Australian Air Force
1832:10.1080/02673039708720895
1624:Centre for Urban Research
1358:10.1080/08111140108727891
1346:Urban Policy and Research
1220:10.1080/02673039208720727
1124:10.1080/00420988920080451
831:North Sydney Boys High 50
719:(2009, AHURI) with Whelan
497:Increase rent assistance.
420:Global Financial Crisis i
346:middle-aged households.
105:
68:
51:Adelaide, South Australia
1891:"Dr Judith Nancy Yates"
1463:The Observer, Gladstone
452:Housing policy overview
350:Low-cost rental housing
100:University of Amsterdam
1714:Yates, Judith (1991).
1620:"Professor Mike Berry"
1414:Yates, Judith (2002).
1262:Yates, Judith (1991).
1187:Cite journal requires
940:Cite journal requires
852:Yates, Judith (1978).
418:In 2011 following the
329:Falling home ownership
1932:Australian economists
1862:Sydney Morning Herald
1847:Sydney Morning Herald
1805:Sydney Morning Herald
1589:Sydney Morning Herald
1574:Sydney Morning Herald
1495:Sydney Morning Herald
1420:. AHURI Final Report.
1393:10.1080/0042098002212
1279:Sydney Morning Herald
1157:Sydney Morning Herald
1089:Housing Subsidy Study
1030:Sydney Morning Herald
988:Sydney Morning Herald
910:Sydney Morning Herald
371:Housing affordability
90:University of Sydney
81:Economics of housing
1116:1989UrbSt..26..419Y
833:. 25 September 2008
778:. 18 September 1941
715:Housing wealth and
291:Christine Whitehead
1687:(7–8): 1059–1080.
1652:(7–8): 1133–1156.
752:. 2 September 1942
112:Judith Nancy Yates
25:Judith Nancy Yates
1727:978-0-7334-0150-3
1479:Housing Australia
717:consumer spending
545:Background papers
431:Wealth inequality
247:Housing subsidies
207:her attention to
133:Commonwealth Bank
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1433:Newcastle Herald
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823:
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811:
809:
794:
788:
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783:
768:
762:
761:
759:
757:
742:
118:
63:
48:20 November 1943
47:
45:
32:
21:
1967:
1966:
1962:
1961:
1960:
1958:
1957:
1956:
1912:
1911:
1910:
1900:
1898:
1889:
1888:
1884:
1874:
1873:
1869:
1859:
1858:
1854:
1844:
1843:
1839:
1820:Housing Studies
1817:
1816:
1812:
1802:
1801:
1797:
1790:
1775:
1774:
1770:
1765:
1761:
1751:
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1740:
1739:
1735:
1728:
1713:
1712:
1708:
1681:Housing Studies
1678:
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1646:Housing Studies
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1628:
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1618:
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1600:
1596:
1586:
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1571:
1570:
1566:
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1555:
1548:
1521:Housing Studies
1518:
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1506:
1502:
1492:
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1487:
1475:
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1343:
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1328:
1326:
1317:
1316:
1312:
1296:
1292:Yates, Judith.
1291:
1290:
1286:
1276:
1275:
1271:
1261:
1260:
1256:
1242:
1241:
1237:
1208:Housing Studies
1205:
1204:
1200:
1186:
1176:
1169:
1168:
1164:
1154:
1153:
1149:
1101:
1100:
1096:
1086:
1085:
1081:
1069:
1068:
1064:
1042:
1041:
1037:
1027:
1026:
1022:
1000:
999:
995:
985:
984:
980:
967:(37): 309–324.
958:
957:
953:
939:
929:
922:
921:
917:
907:
906:
902:
892:
890:
888:treasury.gov.au
882:
881:
877:
851:
850:
846:
836:
834:
825:
824:
817:
807:
805:
796:
795:
791:
781:
779:
770:
769:
765:
755:
753:
744:
743:
739:
735:
685:
612:
593:
588:
575:
547:
504:
466:
454:
433:
416:
414:Turbulent times
373:
352:
335:Housing Choices
331:
315:
313:Housing choices
299:
276:
267:New South Wales
249:
204:
199:
145:
114:
96:Alma mater
73:Academic career
61:
52:
49:
43:
41:
33:
28:
26:
17:
12:
11:
5:
1965:
1963:
1955:
1954:
1949:
1944:
1939:
1934:
1929:
1924:
1914:
1913:
1909:
1908:
1897:. 14 June 2021
1895:It's an Honour
1882:
1867:
1852:
1837:
1810:
1795:
1788:
1768:
1759:
1733:
1726:
1706:
1671:
1636:
1611:
1594:
1579:
1564:
1546:
1527:(3): 253–270.
1511:
1500:
1485:
1468:
1453:
1438:
1423:
1406:
1371:
1352:(4): 415–424.
1336:
1310:
1284:
1269:
1254:
1235:
1198:
1189:|journal=
1162:
1147:
1094:
1079:
1062:
1035:
1020:
1009:(3): 309–324.
993:
978:
951:
942:|journal=
915:
900:
875:
844:
827:"Warren Yates"
815:
789:
763:
746:"AT THE ALTAR"
736:
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730:
729:
726:
723:
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482:social liberal
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424:Reserve Bank’s
415:
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356:social housing
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314:
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304:superannuation
298:
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275:
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251:In 1987, with
248:
245:
241:securitisation
219:and breaks on
209:distributional
203:
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177:control theory
144:
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125:distributional
121:social liberal
107:
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102:
97:
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75:
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70:
69:
66:
65:
64:(aged 78)
58:
54:
53:
50:
39:
35:
34:
27:
24:
15:
13:
10:
9:
6:
4:
3:
2:
1964:
1953:
1950:
1948:
1945:
1943:
1940:
1938:
1935:
1933:
1930:
1928:
1925:
1923:
1920:
1919:
1917:
1896:
1892:
1886:
1883:
1878:
1871:
1868:
1864:. p. 20.
1863:
1856:
1853:
1848:
1841:
1838:
1833:
1829:
1826:(2): 265–77.
1825:
1821:
1814:
1811:
1807:. p. 14.
1806:
1799:
1796:
1791:
1789:9780643103771
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1781:
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1381:Urban Studies
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1239:
1236:
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1221:
1217:
1214:(2): 97–111.
1213:
1209:
1202:
1199:
1194:
1181:
1173:
1166:
1163:
1158:
1151:
1148:
1143:
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1134:
1129:
1125:
1121:
1117:
1113:
1110:(4): 419–33.
1109:
1105:
1104:Urban Studies
1098:
1095:
1090:
1083:
1080:
1075:
1074:
1066:
1063:
1058:
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1050:
1046:
1039:
1036:
1031:
1024:
1021:
1016:
1012:
1008:
1004:
997:
994:
990:. p. 25.
989:
982:
979:
974:
970:
966:
962:
955:
952:
947:
934:
926:
919:
916:
912:. p. 30.
911:
904:
901:
889:
885:
879:
876:
871:
867:
863:
859:
855:
848:
845:
832:
828:
822:
820:
816:
804:. 30 May 1949
803:
799:
793:
790:
777:
773:
767:
764:
751:
747:
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727:
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285:
284:shared equity
281:
274:Shared equity
273:
271:
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265:In 2020, the
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254:
246:
244:
242:
236:
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189:On her first
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55:
40:
36:
31:
22:
19:
1899:. Retrieved
1894:
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1855:
1846:
1840:
1823:
1819:
1813:
1804:
1798:
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1771:
1762:
1750:. Retrieved
1746:
1736:
1716:
1709:
1684:
1680:
1674:
1649:
1645:
1639:
1627:. Retrieved
1623:
1614:
1604:
1597:
1591:. p. 7.
1588:
1582:
1576:. p. 6.
1573:
1567:
1558:
1524:
1520:
1514:
1503:
1497:. p. 5.
1494:
1488:
1478:
1471:
1462:
1456:
1447:
1441:
1432:
1426:
1416:
1409:
1384:
1380:
1374:
1349:
1345:
1339:
1327:. Retrieved
1323:
1313:
1304:
1300:
1287:
1281:. p. 1.
1278:
1272:
1263:
1257:
1248:
1244:
1238:
1211:
1207:
1201:
1180:cite journal
1165:
1159:. p. 9.
1156:
1150:
1107:
1103:
1097:
1088:
1082:
1072:
1065:
1048:
1044:
1038:
1032:. p. 4.
1029:
1023:
1006:
1002:
996:
987:
981:
964:
960:
954:
933:cite journal
918:
909:
903:
891:. Retrieved
887:
878:
861:
857:
847:
835:. Retrieved
830:
806:. Retrieved
801:
792:
780:. Retrieved
775:
766:
754:. Retrieved
749:
740:
602:
596:
586:Publications
478:
474:
471:
467:
458:housing boom
455:
446:
442:
438:
434:
417:
398:
378:
374:
361:
353:
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334:
332:
322:
316:
308:
300:
288:
282:, a form of
277:
264:
261:
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250:
237:
233:
229:
217:imputed rent
213:
205:
188:
185:
181:
165:
146:
130:
111:
110:
62:(2022-05-20)
18:
1927:2022 deaths
1922:1943 births
1051:(1): 3–15.
464:Later years
173:Netherlands
157:Broken Hill
86:Institution
60:20 May 2022
1916:Categories
1387:: 319–42.
733:References
191:sabbatical
161:Port Pirie
149:Port Pirie
143:Early life
44:1943-11-20
1701:153531322
1666:154634280
1541:157025707
1401:155020674
1366:153998508
1229:2123/7574
1142:154798699
1133:2123/7457
864:: 12–17.
632:Joe Flood
253:Joe Flood
139:(AHURI).
1307:: 34–35.
1251:: 16–20.
802:Recorder
750:Recorder
221:land tax
1482:. CEDA.
1448:The Age
1301:Insight
1112:Bibcode
321:grant,
1901:3 July
1786:
1752:4 July
1724:
1699:
1664:
1629:1 July
1539:
1399:
1364:
1329:2 July
1140:
893:1 July
837:1 July
808:1 July
782:1 July
756:1 July
573:Awards
225:supply
1747:AHURI
1697:S2CID
1662:S2CID
1537:S2CID
1397:S2CID
1362:S2CID
1324:AHURI
1297:(PDF)
1138:S2CID
693:Flood
591:Books
364:AHURI
354:With
78:Field
1903:2022
1784:ISBN
1754:2022
1722:ISBN
1631:2022
1331:2022
1193:help
946:help
895:2022
839:2022
810:2022
784:2022
758:2022
333:The
57:Died
38:Born
1828:doi
1689:doi
1654:doi
1529:doi
1389:doi
1354:doi
1224:hdl
1216:doi
1128:hdl
1120:doi
1053:doi
1011:doi
969:doi
866:doi
1918::
1893:.
1824:12
1822:.
1745:.
1695:.
1685:26
1683:.
1660:.
1650:26
1648:.
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1535:.
1525:32
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1383:.
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897:.
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868::
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812:.
786:.
760:.
46:)
42:(
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