One of North Sydney's best-known commercial buildings could become hundreds of new homes, with insurance giant Zurich Australia lodging a State Significant Development Application (SSDA) to transform 5 Blue Street into a mixed-use residential development above North Sydney Station.

Rather than demolishing the existing building and starting again, Zurich is proposing an adaptive reuse project that would convert the landmark office building into a 15-level residential development delivering 62 apartments, 86 affordable co-living dwellings, activated retail and significant upgrades to the Blue Street Plaza.

The proposal reflects a growing trend of commercial property owners repositioning ageing office assets into residential housing as Sydney grapples with housing supply shortages and changing workplace demand.

<img alt="Zurich" data-entity-type="file" data-entity-uuid="0bba7d12-06dc-4375-aad7-238c94b21ac5" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/Screenshot%202026-07-22%20at%2010.42.05%E2%80%AFAM.png?VersionId=NJl5oLAEBDGuPmY3RnyliKODjMc8lvRh" />

Located directly above North Sydney Metro and train station, the 3,051 sqm site occupies one of the most strategically positioned parcels of land on Sydney's Lower North Shore.

Designed by fjcstudio, the proposal seeks to retain and adapt much of the existing structure while creating a contemporary residential address that better connects with the public domain surrounding North Sydney Station.

The application proposes two basement levels, ground floor retail, affordable co-living accommodation across the podium levels, and apartments above, while preserving and enhancing the publicly accessible Blue Street Plaza.

Rather than pursuing maximum apartment numbers, Zurich has opted for a housing mix heavily weighted towards larger owner-occupier residences.

The proposal includes 62 build-to-sell apartments comprising 12 one-bedroom, 19 two-bedroom, 29 three-bedroom apartments and two premium penthouses. It also incorporates 86 affordable co-living dwellings, which would be managed in perpetuity by a Community Housing Provider.

That balance between traditional apartments and affordable housing reflects the NSW Government's push to increase housing diversity around major transport infrastructure.

The proposal has been lodged concurrently with a rezoning application, with Zurich arguing the site is ideally positioned to support additional housing given its immediate proximity to public transport, employment and services.

"The proposal aims to respond to the housing challenges facing Sydney through the delivery of diverse housing types in a highly accessible location," the design report by fjcstudio states. It also seeks to improve pedestrian amenity through upgrades to Blue Street Plaza while creating a high-performing residential building that responds to the surrounding context.

<img alt="Zurich" data-entity-type="file" data-entity-uuid="36082e15-c636-4481-bb68-5a5f6443fe39" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/Screenshot%202026-07-22%20at%2010.41.36%E2%80%AFAM.png?VersionId=5P6VD.fvmqjQfIG3TWWMRXxQWiQBjeFB" />

Rather than replacing the commercial building, fjcstudio has developed a design that works with the existing structural framework above the rail corridor, an approach that significantly reduces demolition while allowing the site to be repositioned as a mixed-use residential precinct.

The existing structural constraints have informed much of the building's design, including its relationship with Blue Street and surrounding public spaces.

The building has been designed as a slender tower rising above a clearly defined podium, with vertically expressed façades intended to reduce the perceived bulk while reinforcing North Sydney's emerging skyline.

According to fjcstudio, the architectural language responds directly to the surrounding commercial towers while maintaining a finer grain expression more closely aligned with the neighbouring Lavender Bay streetscape.

The tower incorporates articulated façade elements, landscaped podium edges and recessed upper levels to soften its appearance and improve pedestrian amenity below.

A significant component of the proposal is the revitalisation of Blue Street Plaza.

The existing public space has long served as one of the primary pedestrian connections between North Sydney Station, Greenwood Plaza and Blue Street, yet its role is expected to become even more important following the opening of Sydney Metro.

Zurich's proposal seeks to strengthen that role by improving landscaping, introducing new retail frontages, enhancing pedestrian permeability and creating more active edges throughout the day and evening.

Ground floor retail would wrap the plaza, while separate residential and co-living entries have been designed to improve wayfinding without reducing street activation.

Landscape design has been integrated throughout the podium and public realm, softening what is currently one of the most heavily urbanised parts of North Sydney.

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fjcstudio has carefully oriented apartments towards Sydney Harbour and the CBD while using privacy blades and articulated façades to minimise overlooking between neighbouring buildings.

Large framed openings along the western elevation maximise harbour outlooks, while the eastern apartments have been angled towards the south-east to improve privacy from neighbouring development.

The project forms part of the continuing transformation of North Sydney from a predominantly commercial CBD into a genuine mixed-use city centre.

Since the completion of Victoria Cross Metro Station, developers have increasingly shifted their attention towards residential projects capable of leveraging the area's unparalleled transport connectivity.

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FiveX recently lodged plans for a 61-storey, 490-apartment tower that would become one of the tallest residential buildings in North Sydney if approved.

Aqualand continues to expand its Lower North Shore presence following the completion of AURA on Walker Street and its recent St Leonards and Roseville proposals.

Developers are also progressing projects throughout Walker Street, Miller Street and the Victoria Cross precinct as demand for well-located owner-occupier apartments continues to strengthen.

Joel Robinson

First look: Zurich targets North Sydney office conversion with 148-unit proposal above Metro station

Busy developer Aqualand Prestige has formally taken the next step in its expansion across Sydney's Lower North Shore, lodging a State Significant Development Application (SSDA) for its long-held Archer Street site in Chatswood.

The application covers <a href="https://www.apartments.com.au/new-apartments/51-55-archer-street-chatswood-nsw-2067">51-55 Archer Street</a>, a 1,767 sqm amalgamated site on the eastern edge of the Chatswood CBD, where the developer is seeking approval for a 45-level mixed-use tower delivering 114 apartments, including a significant affordable housing component, alongside retail, commercial space and six basement levels of parking.

The SSDA marks the latest milestone for a project Aqualand has been quietly progressing over the past two years. The developer first secured the site for its Aqualand Prestige platform before undertaking an alternative design excellence process with PTW Architects, ultimately avoiding a formal design competition through the Housing Delivery Authority pathway.

The proposal has evolved considerably from Aqualand's original concept. The revised scheme has been designed around larger owner-occupier product, with an unusually high proportion of three and four-bedroom apartments, targeting the more affluent buyer profile, and downsizer, emerging across the North Shore.

<img alt="Archer St" data-entity-type="file" data-entity-uuid="0171204c-5811-41b5-9b09-2335d1b7c3d0" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/Screenshot%202026-07-22%20at%208.52.48%E2%80%AFAM.png?VersionId=6YTuxfq.puZo7k2wbfgemcO5K3QfXYGQ" />

The 114-apartment mix comprises six studios, 27 one-bedroom apartments, 18 two-bedroom apartments, 50 three-bedroom residences and 13 four-bedroom homes. A quarter of the building will be dedicated to affordable housing, well above the mandated 15 per cent&nbsp;

PTW has structured the building vertically, with affordable housing across levels one to six, premium apartments through levels seven to 31, duplex skyhomes on klevels 32 to 43, a penthouse on level 44, and a rooftop plant level above. Six basement levels will provide resident parking and servicing.

The tower is proposed to reach approximately 154 metres, placing it among a growing collection of residential high-rises transforming Chatswood's skyline.

Rather than competing purely on height, PTW says the design has been driven by creating a slimmer tower capable of delivering significantly larger apartments.

"The primary objective of this project was to create a distinctive building that stands out from the recently approved or built structures in the Chatswood area," the design report states, noting the structural efficiency allows greater investment into apartment quality and resident amenity.

Residents would have access to more than 450 sqm of communal open space including landscaped gardens, swimming pool, rooftop entertaining areas, fitness spaces, community gardens, children's play areas and barbecue facilities.

A major focus of the design has been the public domain.

The ground plane has been opened up through landscaped terraces inspired by Willoughby's sandstone ridges, with native planting, public seating, artwork, retail activation and a series of gathering spaces intended to soften what has traditionally been a hard commercial streetscape.

The landscape strategy references Blue Gum forests once common throughout the area, while incorporating Indigenous storytelling, public art and lighting installations to strengthen the connection to Country.

Chatswood has been one of Sydney's busiest apartment markets over the past 12 months, with a steady pipeline of both new project launches and fresh development applications.

Hyecorp recently launched Celine, a 122-apartment development just along Archer Street, while Changfa and Huirong Group are progressing The Anderson, an 84-apartment project on Anderson Street.

Develotek recently secured approval for a 101-apartment tower on Pacific Highway, while Tian An LFD received the green light for Hammond Greens, its apartment development on the edge of the Chatswood Bowling Club.

Commercial property developer FiveX is also making its move into the residential market. Last month it lodged plans for a 61-storey tower with 490 apartments, which, if approved, would become one of the tallest residential buildings in Chatswood.

Read more:&nbsp;<a href="https://www.apartments.com.au/news/nsw/first-look-fivex-targets-chatswood-skyline-with-61-storey-tower-after-north-sydney-plans">First look: FiveX targets Chatswood skyline with 61-storey tower after North Sydney plans</a>

Aqualand is also expanding its development pipeline following the launch of its luxury residential brand, Aqualand Prestige. The developer has delivered a string of high-end apartment projects across Sydney's affluent suburbs over the past decade, most recently AURA by Aqualand on Walker Street in North Sydney.

[smartcode_project:default project_id=30959 project_image_fid=292863]

It has since quietly assembled its next wave of projects.

Earlier this year Aqualand launched Boronia in Roseville, a boutique 111-apartment development on Larkin Street. The project is one of the first significant apartment developments to launch in the suburb ahead of what is expected to become one of Sydney's most active new housing precincts under the NSW Government's Low and Mid-Rise Housing reforms, which allow greater density around train stations.

[smartcode_project:default project_id=152095 project_image_fid=373685]

The developer has also lodged plans for a two-tower, 413-apartment development on Herbert Street in nearby St Leonards, further strengthening its presence across the Lower North Shore.

Beyond that, Aqualand remains behind the final stage of Barangaroo, where plans will deliver a five-hectare mixed-use precinct comprising new homes, retail, hospitality and community facilities, alongside a new Metro entrance and more than two hectares of public open space, completing the Barangaroo precinct.

Read more:&nbsp;<a href="https://www.apartments.com.au/news/nsw/central-barangaroo-development-takes-big-step-with-concept-proposal-approval">Central Barangaroo development takes big step with concept proposal approval</a>

Read more:&nbsp;<a href="https://www.apartments.com.au/news/nsw/first-look-aqualand-joins-st-leonards-apartment-party">First look: Aqualand joins St Leonards apartment party</a> 
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First look: Aqualand pushes ahead with Chatswood apartment tower as SSDA lodged for Archer Street

Mass timber is becoming an increasingly popular construction material in apartment developments, but Adelaide developer <a href="https://www.apartments.com.au/developers/otello">Otello</a> is taking the approach a step further.

At its new <a href="https://www.apartments.com.au/new-apartments/flowe-bowden-18-gibson-street-bowden-sa-5007">Flowe Bowden</a> development, the exposed cross-laminated timber (CLT) structure isn't just about reducing the building's environmental footprint. It also forms the foundation of a broader wellness strategy, influencing everything from indoor air quality and natural materials to the way residents move through and experience the building.

The 115-apartment mixed-use development, designed by Melbourne-based architecture practice Fieldwork, will occupy a prominent island site opposite Bowden Village Reserve, combining one, two and three-bedroom apartments with retail and a dedicated wellness destination.

[smartcode_project:default project_id=152022 project_image_fid=375528]

Wellness isn't confined to a gym or shared resident facility at Flowe. Instead, Fieldwork embedded the concept into the building itself.

The development has been split into two residential wings connected by a naturally ventilated central breezeway, replacing traditional enclosed corridors with open-air walkways that improve natural light, encourage cross ventilation and create more opportunities for neighbourly interaction.

"Rather than treating wellness as something that only happens on the ground floor, our response integrates it throughout the building, which led us to ask what it really means to design a healthy building," Fieldwork Director Quino Holland said.

[smartcode_project:default project_id=152022 project_image_fid=375531]

The building's architecture also reflects Bowden's industrial heritage. The lower podium references the area's historic brick and sandstone buildings, while the upper levels transition to exposed CLT, allowing the timber structure to become a defining feature throughout the apartments and shared spaces.

The use of mass timber sits alongside a range of sustainability initiatives, including a fully electric, gas-free design, rooftop solar and a targeted 5 Star Green Star rating.

[smartcode_project:default project_id=152022 project_image_fid=375524]

Inside the residences, the focus remains on natural, durable materials. Blackbutt engineered timber flooring, exposed CLT ceilings, porcelain surfaces and warm timber joinery create a calming interior palette, while low-VOC finishes and responsibly sourced materials have been selected to improve indoor air quality.

Kitchens have been designed as the centrepiece of each apartment, featuring porcelain island benchtops, timber-look cabinetry and brushed steel tapware, with layouts that maximise natural light and ventilation.

[smartcode_project:default project_id=152022 project_image_fid=375530]

The more traditional interpretation of wellness comes in the form of Level Eleven, a two-storey wellness club spanning the ground floor, mezzanine and first floor.

The facility will include a gym, yoga and reformer Pilates studios, Finnish and infrared saunas, magnesium hot and cold plunge pools, and dedicated recovery spaces. Unlike many residential wellness facilities, Level Eleven will also operate commercially, allowing the broader Bowden community to access the venue while giving residents exclusive membership benefits.

The ground floor has also been designed around everyday living. A café overlooking Bowden Village Reserve will activate the street frontage, while a bike workshop with tool storage, co-working space and dog wash has been incorporated to support daily routines and encourage interaction between residents.

"Flowe brings together my two biggest passions, creating places and creating healthier lives," Otello founder Daniel Harris said.

"We wanted to create something Adelaide hasn't seen before, a genuinely healthy building, where the way you live is lifted without even trying."

Flowe is positioned directly opposite Bowden Village Reserve and within walking distance of Bowden Railway Station and the Adelaide Entertainment Centre, placing future residents just minutes from the Adelaide CBD while remaining connected to one of the city's most established urban renewal precincts.

[smartcode_project_cta:default project_id=152022]

Otello launches wellness-focused Flowe Bowden with Adelaide-first mass timber apartment design

Not all apartment amenities are immediately visible.

Swimming pools, gyms, rooftop terraces and residents' lounges have long featured on buyers' wishlists, but as the way Australians live has changed, so too have the features that make apartment living more convenient.

Increasingly, buyers are placing value on the practical aspects of day-to-day life. Fast internet, EV charging, secure bike storage, flexible workspaces and parcel management are becoming just as relevant as lifestyle amenities, reflecting changing habits and expectations.

Online shopping has been one of the biggest drivers of that shift.

Australians spent a record $82.6 billion shopping online in 2025, with almost one in every four retail dollars now spent digitally, making parcel deliveries a routine part of everyday life rather than an occasional convenience.

For apartment residents, however, receiving those deliveries isn't always straightforward.

Without someone home to accept a parcel, deliveries can be redirected to a nearby Post Office, left in building foyers or common areas, or require building management to temporarily store packages. As apartment living continues to grow across Australia's cities, parcel management has become an increasingly important consideration for both residents and developers.

Australia Post's Parcel Locker network is one response to that shift.

<iframe allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" allowfullscreen="" frameborder="0" height="315" referrerpolicy="strict-origin-when-cross-origin" src="https://www.youtube.com/embed/KPZ9j5FRdsQ?si=Qztc1dNP3ZvEIUhb" title="YouTube video player" width="560"></iframe>

Rather than relying on home delivery, eligible parcels can be directed to a nominated Parcel Locker, where they're securely stored until collected. Once a parcel arrives, residents receive a notification through the AusPost app or SMS and can retrieve it using a one-time code or QR code at a time that suits them.

The network has expanded to more than 1,500 locations nationwide, with Parcel Lockers positioned at Post Offices, shopping centres, supermarkets, transport hubs and, increasingly, within or alongside residential developments.

That growing presence reflects a broader change in how apartment buildings are being planned.

Developers are increasingly considering the operational side of apartment living alongside traditional lifestyle amenities. Just as secure mailrooms, bicycle storage and EV charging have become more common inclusions, parcel management is emerging as another feature that supports everyday convenience.

It also helps preserve the arrival experience within a building. Carefully designed lobbies and communal spaces can quickly become cluttered when deliveries accumulate, while secure parcel solutions reduce the likelihood of missed deliveries or parcels being left unattended.

For buyers comparing apartments, these everyday details are becoming part of the decision-making process.

Location, floorplans and finishes remain fundamental, but the features that simplify daily life are carrying greater weight than they once did. As online shopping continues to shape consumer behaviour, secure parcel delivery is increasingly becoming another amenity worth looking for.

Parcel delivery is joining the apartment amenity checklist

Inca Property Group has lodged a State Significant Development Application (SSDA) for Dawn, a 53-apartment oceanfront development overlooking Mona Vale Beach.

The proposal, at 35-39 Darley Street East, would replace an existing 18-apartment strata building with a new owner-occupier-focused development comprising 53 two and three-bedroom apartments, including nine affordable built-to-rent residences delivered under the State's infill affordable housing scheme.

Positioned on a 2,679 sqm elevated site around 280 metres from Mona Vale Beach, the development has been designed to maximise panoramic ocean views while responding to the site's sloping topography.

<a href="https://www.apartments.com.au/developers/inca-property-group">Inca Property Group</a> Managing Director Josh Thompson said the State Significant pathway provided greater certainty for projects of this scale.

"This State Significant pathway gives the team real certainty to progress <a href="https://www.apartments.com.au/new-apartments/dawn-35-39-darley-street-east-mona-vale-nsw-2103">Dawn</a> through to completion," Thompson said.

"It allows us to acquire a one-off site, design it carefully and deliver the right offering for the suburb, assessed by the NSW Government's planning department."

The project is one of the first developments in the area to be assessed under the NSW Government's Low and Mid-Rise Housing policy, with the site sitting on the edge of the policy's designated inner area.

The proposal includes three basement levels providing 124 car spaces, alongside a range of resident amenities including a swimming pool, gym, sauna, wellness facilities and private plunge pools for selected ground-floor and penthouse apartments.

<img alt="Dawn" data-entity-type="file" data-entity-uuid="fc1a1daf-0ce4-4f12-9076-b1fa553c7a91" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/Screenshot%202026-07-21%20at%208.42.11%E2%80%AFAM.png?VersionId=4GZ9h.gpNkTljbxyAET8Jfhv51XUamDm" />

Thompson said Dawn had been designed specifically for owner-occupiers and downsizers, a buyer profile that has driven demand across Inca's recent Upper North Shore developments.

"The majority of buyers in our recent North Shore projects have been downsizers, and we are learning exactly what this market is looking for. Beyond the location itself, we have included resort-style amenities to deliver a genuine lifestyle offering," Thompson said.

Located within walking distance of Mona Vale Beach, the town centre, Mona Vale Golf Club and the Royal Motor Yacht Club, Dawn represents Inca's first Northern Beaches project following the sell-out of Tara on Park in Waitara and Ellis Residences, currently under construction in St Ives.

Construction will be undertaken by Inca's in-house construction arm, GOP Constructions.

Dawn is the latest major apartment proposal for Mona Vale, with the suburb emerging as one of the key beneficiaries of the NSW Government's new Low and Mid-Rise Housing policy.

New developer One Living, led by industry veteran Joseph Scuderi, recently secured a site on Mona Vale Road, on the border of Mona Vale and Pymble, where it is planning around 140 apartments.

IPM is also planning its third project in Mona Vale, significantly increasing the scale of its previous developments with an 82-apartment proposal at <a href="https://www.apartments.com.au/new-apartments/159-167-darley-street-west-mona-vale-nsw-2103">159-167 Darley Street West</a>, opposite Bayview Golf Course and less than 800 metres from Mona Vale town centre.

Read more:&nbsp;<a href="https://www.apartments.com.au/news/nsw/one-living-enters-sydneys-new-apartment-market-with-northern-beaches-site-acquisition">One Living enters Sydney's new apartment market with Northern Beaches site acquisition</a>

Read more:&nbsp;<a href="https://www.apartments.com.au/news/nsw/first-look-ipm-plans-third-mona-vale-project">First look: IPM plans third Mona Vale project</a>

First look: Inca eyes Mona Vale with State Significant DA for Dawn apartments

Climate

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GUEST OBSERVATION
I was in Switzerland recently and discovered that they haven’t had any landfill since the early 2000s, because all of their waste is either recycled or incinerated to produce electricity. How “green” is it to incinerate waste in order to produce electricity? Is it something New Zealand should consider, so that 1) we have no more landfill, and 2) we can replace our fossil-fuel power stations with power stations that incinerate waste?
Burning rubbish to generate electricity or heat sounds great: you get rid of all your waste and also get seemingly “sustainable” energy. What could be better?
Many developed countries already have significant “waste-to-energy” incineration plants and therefore less material going to landfill (although the ash has to be landfilled). These plants often have recycling industries attached to them, so that only non-recyclables end up in the furnace. If it is this good, why the opposition?
Here are seven reasons why caution is needed when considering waste-to-energy incineration plants.
Stifling innovation and waste reduction
<ol>
<li>Waste-to-energy plants require a high-volume, <a href="http://www.seas.columbia.edu/earth/wtert/sofos/Rodriguez_thesis.pdf" target="_blank">guaranteed waste stream</a> for about 25 years to make them economically viable. If waste-to-energy companies divert large amounts of waste away from landfills, they need to somehow get more waste to maintain their expensive plants. For example, <a href="https://www.thelocal.se/20181112/sweden-imports-british-waste-to-heat-homes-but-wheres-the-post-brexit-solution" target="_blank">Sweden imports its waste from the UK</a> to feed its “beasts”.</li>
<li>The waste materials that are easiest to source and have buyers for recycling - like paper and plastic - also produce most energy when burned.</li>
<li>Waste-to-energy <a href="http://knowledgeauckland.org.nz/assets/publications/TR2019-009-CBA-on-waste-diversion-from-landfill-homes-land-community-Auckland.pdf">destroys innovation</a> in the waste sector. As a result of China not accepting our mixed plastics, people are now combining plastics with asphalt to make roads last longer and are making fence posts that could be replacing treated pine posts (which emit copper, chrome and arsenic into the ground). If a convenient waste-to-energy plant had been available, none of this would have happened.</li>
<li>Waste-to-energy <a href="http://knowledgeauckland.org.nz/assets/publications/TR2019-009-CBA-on-waste-diversion-from-landfill-homes-land-community-Auckland.pdf" target="_blank">reduces jobs</a>. Every job created in the incineration industry removes six jobs in landfill, 36 jobs in recycling and 296 jobs in the reuse industry.</li>
<li>Waste-to-energy works against a circular economy, which tries to keep goods in circulation. Instead, it perpetuates our current make-use-dispose mentality.</li>
<li>Waste-to-energy only makes marginal sense in economies that produce coal-fired electricity – and then only as a stop-gap measure until cleaner energy is available. New Zealand has a green electricity generation system, with about 86% already coming from renewable sources and a <a href="https://www.beehive.govt.nz/release/nz-embracing-renewable-electricity-future" target="_blank">target of 100% renewable by 2035</a>, so waste-to-energy would make it a less renewable energy economy.</li>
<li>Lastly, burning waste and contaminated plastics creates a greater environmental impact than burning the equivalent oil they are made from. These impacts include the release of harmful substances like dioxins and vinyl chloride as well as mixtures of many other harmful substances used in making plastics, which are not present in oil.</li>
</ol>
Landfills as mines of the future
European countries were driven to waste-to-energy as a result of a <a href="https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32006L0012" target="_blank">2007 directive that imposed heavy penalties</a> for countries that did not divert waste from landfills. The easiest way for those countries to comply was to install waste-to-energy plants, which meant their landfill waste dropped dramatically.
New Zealand does not have these sorts of directives and is in a better position to work towards reducing, reusing and recycling end-of-life materials, rather than sending them to an incinerator to recover some of the energy used to make them.
Is New Zealand significantly worse than Europe in managing waste? About a decade ago, a delegation from Switzerland visited New Zealand Ministry for the Environment officials to compare progress in each of the waste streams. Both parties were surprised to learn that they had managed to divert roughly the same amount of waste from landfill through different routes.
This shows that it is important New Zealand doesn’t blindly follow the route other countries have used and hope for the same results. Such is the case for waste-to-energy.
There is also an argument to be made for current landfills. Modern, sanitary landfills seal hazardous materials and waste stored over the last 50 years presents future possibilities of landfill mining.
Many <a href="https://www.reuters.com/article/us-environment-waste/tracking-europes-waste-theres-gold-in-them-landfills-idUSKBN1F61YH" target="_blank">landfills have higher concentrations of precious metals</a>, particularly gold, than mines and some are being mined for those metals. As resources become scarcer and prices increase, our landfills may become the mines of the future.<img src="https://counter.theconversation.com/content/128630/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important; text-shadow: none !important;">
Jeff Seadon, Senior Lecturer, Auckland University of Technology.
This article is republished from <a href="http://theconversation.com" target="_blank">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/climate-explained-seven-reasons-to-be-wary-of-waste-to-energy-proposals-128630" target="_blank">original article</a>.
Main photo: Many developed countries already have significant waste-to-energy operations and therefore less material going to landfill. <a href="https://theconversation.com/profiles/jeff-seadon-790599" target="_blank">Jeff Seadon</a>, <a href="http://theconversation.com/institutions/auckland-university-of-technology-1137" target="_blank">Auckland University of Technology</a>  <a href="http://creativecommons.org/licenses/by-nd/4.0/" target="_blank">CC BY-ND</a>.
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j.ballantyne1990-6AQqhLzZaK

Climate explained: seven reasons to be wary of waste-to-energy proposals

<html><body>
<img src="https://counter.theconversation.edu.au/content/57114/count.gif" alt="The Conversation" width="1" height="1">
GUEST OBSERVER
Australia is a land of extreme weather. Events such as the 2009 Victorian bushfires, the 2011 Queensland floods and Cyclone Yasi in 2013 are stark examples of climate-related risks faced by Australian households. Many homes are built in high-risk locations including floodplains, coastlines and bushfire-prone land.
The Climate Institute has released a report detailing the critical role Australian housing plays in the economy, and the risks housing faces with a changing climate.
It also sets out the role of banks and insurers in promoting risk reduction and climate adaptation for Australian housing.
<h2>Built on sand</h2>
Housing represents many Australians' biggest financial commitment – including those who rent rather than buy. Housing accounts for up to one-third of the economy, through direct and indirect means and across sectors such as finance, insurance and construction. With population projections forecasting continued growth and attraction to risky locations, banks and other financial institutions have a crucial role to play in minimising the economic threat posed by climate change.
But while the role of land-use planning and insurance with regard to climate risks has been well documented, the role of banks as gatekeepers to housing finance has been largely overlooked.
As the Climate Institute’s report points out, banks have a “unique ability and incentive” to steer housing purchases, because they are the main providers of residential financing. As such, they have large financial liabilities if homes are lost to fires, floods or other climate effects.
There are a range of tactics banks might use to reduce or mitigate climate risk. For instance, they could favour lending on homes that meet specific risk-reduction requirements, such as raised floor levels for homes in flood zones, or fireproof construction materials in bushfire-prone regions. This approach could also be used in setting mortgage insurance premiums as well as the mortgages themselves. Another approach is to better apportion their exposure - by lending on a reduced percentage threshold of the total property value.
Westpac has a Climate Change Position Statement and both the Commonwealth Bank and NAB have committed in reducing carbon. But more needs to be done for housing.
If banks continue under a business as usual approach, they face the risk that many properties will be devalued over time, through continued exposure to extreme weather events. This represents a significant financial liability, especially when you consider that a home loan typically takes 30 years to play out – a similar time scale to the many climate impacts expected for Australia.
Banks are already making moves to restrict lending based on location.
But the report outlines several other things banks could do, such as:
<ul>
<li>
examine climate risk exposure in their current lending practices
</li>
<li>
use their role as financiers to support good policy, by engaging policymakers and financial regulators
</li>
<li>
encourage stakeholders, including the public, private sector and civil society sectors, to develop ways to minimise climate impact risks for housing
</li>
<li>
ensure losses are addressed in an equitable way.
</li>
</ul>
<h2>A climate insurance policy</h2>
The report also details how the insurance sector assesses risk to housing, and how it might improve its approach in the future, given the intersection of urbanisation, population trends and the trend towards living in climate-threatened areas.
The insurance sector has historically been seen as the messenger of housing market signals, because of its keen focus on assessing weather-related risk. But the 2011 Queensland floods highlighted many weaknesses in relying on insurance alone.
Many properties did not have adequate flood insurance, leaving many people without a home after losing their house to the floods. The Australian and Queensland governments and the private sector struggled to co-ordinate a cost-effective response, partly because of previous bad land-use planning decisions, but also because of the lack of adequate insurance cover.
A federal government levy helped the affected regions to “build better back”. Some chose to rebuild in the same high-risk locations.
Critically, gaps identified in building codes, land use and climate resilience still require a more co-ordinated response. The current Stage 2 coastal law reforms in New South Wales offer a potential example of how competing interests might be balanced.
At face value, this issue is a no-brainer. After all, risk mitigation is bread and butter for lending institutions and insurers, and we already know that extreme weather events are forecast to increase in frequency and severity. National resilience is required.
Quantifying this risk will be easier if financial institutions utilise access to relevant data on issues like coastal risk. Some of these data are becoming more freely available. Recognising the value of climate data is a trend that should continue. For a robust and resilient future, governments and the private sector should end their tango over who should pay for the information and agree that financial climate risks are best faced with eyes wide open.
Tayanah O'Donnell is research fellow, University of Canberra and author for The Conversation. She can be contacted <a href="https://theconversation.com/profiles/tayanah-odonnell-122914" target="_blank">here</a>.
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jchancellor-FAypfDUnLy

How can your bank help reduce climate change risks to Australian homes?

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<img src="https://counter.theconversation.edu.au/content/57114/count.gif" alt="The Conversation" width="1" height="1">
GUEST OBSERVERS
Australia’s snow season is notoriously fickle. Some years bring deep cover lasting for nearly six months (such as in 1964). Others barely cover the grass for a few weeks (such as in 2006).
The difference between a good season and a bad one may be a single weather event, such as the so-called Snowmageddon in 2014, which dropped around a metre of snow in less than a week.
The high variability of the snow season means the Bureau of Meteorology doesn’t currently produce a seasonal outlook for snow (as we do for temperature and rainfall). However, we know that the same climate drivers that affect Australia’s weather also influence our snowfall.
<h2>El Niño and La Niña</h2>
The best way to see how snowfall varies from year to year is to use data from Spencers Creek in the New South Wales Snowy Mountains, a pristine site 1,830 metres above sea level. Past studies show that these data tend to correlate with snow more generally across the mainland alpine regions, but they don’t always match the cover at lower elevations.
First, let’s look at El Niño. We are coming out of one of the strongest El Niño events on record. During El Niño years, rainfall is typically below average across eastern Australia during the snow season, and temperatures are warmer during the day. The maximum snow depth averages about 35cm less than the all-years average, while the period with more than 100cm is about two weeks shorter.
El Niño’s opposite, La Niña, usually brings above-average rainfall, but this doesn’t necessarily mean more snow. Temperatures can sometimes be too high and hence precipitation may fall as rain even at higher elevations, which can actually decrease snow depths.
This has happened more frequently in recent decades as a result of climate change. Seven of the past eight La Niña years have produced lower maximum snow depths than average.
Historically, neutral years have had more consistent good snow depths than either El Niño or La Niña years.
It is important to consider these drivers as tilting the odds towards a particular outcome, rather than guaranteeing it. While about half the historical El Niño years have had well-below-average snow, three El Niño years had well-above-average snow depths: 1972, 1977 and 1991. That said, no recent El Niño year has produced good snow, with these winters tending to be particularly dry.
<a href="/images/2016/05/13/image-20160426-1341-81102p.jpg" target="_blank">Click to enlarge</a>
<img src="/images/2016/05/13/image-20160426-1341-81102p.jpg" alt="">
<h4>
Maximum snow depths for all years 1954-2014, segregated by a) ENSO, b) IOD and c) SAM. Australian Bureau of Meteorology, Author provided
</h4>
<a href="/images/2016/05/13/image-20160426-1327-38yzqm.jpg" target="_blank">Click to enlarge</a>
<h4><img src="/images/2016/05/13/image-20160426-1327-38yzqm.jpg" alt=""></h4>
<h4>
Average snow depths throughout the season, with 90% confidence interval shaded, segregated by a) ENSO, b) IOD and c) SAM. Australian Bureau of Meteorology, Author provided
</h4>
<h2>The other players</h2>
To make things more complicated, El Niño and La Niña don’t act alone.
The Indian Ocean Dipole (IOD) may actually be a clearer indicator of snow depth. Similarly to El Niño, positive IOD years tend to be drier than average across southeastern and central Australia, leading to lower snow depths. They are particularly dry over the Australian Alps when El Niño and positive IOD events coincide.
Unsurprisingly, snow depths in late winter and spring are also lower when the IOD is positive. Snow depths are generally higher than average during years with a negative IOD.
The Southern Annular Mode (SAM) has the strongest relationship with snowfall. Cold fronts and low pressure systems are the main weather systems that bring our snow, and the SAM indicates whether the westerlies that bring this weather are closer to Australia or the poles.
Negative SAM brings the fronts, rain and snow further north, while during a positive SAM these fronts move further south. The average (mean) maximum snow depth in negative SAM years is a cool 240cm, almost 80cm higher than in positive years. Unfortunately, accurate forecasts for SAM are still only possible for two to three weeks ahead, which means that this measure is more of a diagnostic rather than a forecasting tool.
Of course, climate change also plays a role. Both maximum snow depth and total snow accumulation have declined over the past 25 years. The reduction in snow cover is most obvious at lower elevations and at the end of the ski season when warm spring rains can hasten the melt.
However, while it has been a few decades since the last 3-metre year (in 1992), there are still above-average seasons when the weather and climate is right, most recently in 2012.
<a href="/images/2016/05/13/image-20160426-1355-aggnfh.jpg" target="_blank">Click to enlarge</a>
<h4><img src="/images/2016/05/13/image-20160426-1355-aggnfh.jpg" alt=""></h4>
<h4>
Annual maximum snow depth at Spencers Creek, 1954-2015, with a linear trend line shown Australian Bureau of Meteorology
</h4>
<h2>Less moisture? Never fear, snowmaking is here</h2>
El Niño, positive IOD and positive SAM periods all typically lead to less moisture in the air, which partly explains the lower snowfalls. But with less cloud to trap in the heat at night, they also have lower minimum temperatures.
Luckily for snowriders, these are also the ingredients for good snowmaking and can contribute to less snow melting. The ability to harvest snow and move it where needed can also allow ski resorts to moderate the impacts of average or below-average natural snow cover on skiers and snowboarders.
<h2>What’s ahead in 2016?</h2>
While forecasts for the Southern Annular Mode only have skill for a few weeks ahead, and it’s also too early to forecast what may happen in the Indian Ocean, we can look to the Pacific.
The 2015 El Niño is in decline and neutral conditions are expected to prevail by winter. For 2016, the most likely outcomes are either neutral or La Niña conditions, a hopeful early sign for 2016 snowfalls.
Finally, a word of caution. Don’t get too excited by early snowfalls, or indeed sell your skis if winter starts with no cover: two of the best seasons on record – 1956 and 1981 – had no snow at all at the start of June, while two of the poorest seasons – 2006 and 1965 – had 20cm and 60cm, respectively, of snow on the ground before the Queen’s Birthday weekend. Early-season cover isn’t always the guide we might think it is.
While we know the Australian snow season can certainly have large variations in its snow cover, knowing the state of Australia’s climate drivers can give a heads-up on what the season may be like. But remember, there are always exceptions to the rules.
 
This article is written for The Conversation by Catherine Ganter, Australian Bureau of Meteorology; Acacia Pepler, Australian Bureau of Meteorology; Andrew B. Watkins, Australian Bureau of Meteorology; Blair Trewin, Australian Bureau of Meteorology; David Jones, Australian Bureau of Meteorology. They can be contacted <a href="https://theconversation.com/au" target="_blank">here</a>.
 
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