A single Community Land Trust (CLT)-based solution will work to fully address most of the inquiry terms of reference. The next best option is to regulate Australian banks to lower lending ceilings. A number of economic factors causing housing inflation and unaffordability in Australia are examined. The submission is fairly long and detailed in this respect because it is expected a number of vested interest lobbies will attempt to conceal the true causes of low affordability hence a number of the usual explanations put forward need to be closely examined and dispelled.