The housing market is not meeting the needs of people on low and moderate incomes. Many lower-income households are paying housing costs which exceed the affordability benchmark of 30 percent of household income. The shortfall of social housing is also growing rapidly. This submission makes recommendations to help improve access to safe and affordable housing for financially vulnerable Australians. Anglicare Australia recommends that the Federal Government drive investment in social and affordable housing that is conveniently located near employment and transport hubs. Particular attention should be given to areas of high need. The Government must also develop a national housing strategy, guided by the National Housing Supply Council, to ensure appropriate future policy and funding responses.