Apartment buyers in New South Wales are set to gain a decade of insurance-backed protection against major building defects, after the NSW Parliament passed the Fair Trading and Building Legislation Amendment Bill 2026.&nbsp;

The Bill establishes decennial defect insurance, known in the market as Latent Defects Insurance (LDI), as an alternative to the existing two-year strata building bond. It cleared the Legislative Council with amendments on Tuesday evening (August 4, 2026), with the Legislative Assembly agreeing to those amendments shortly after.

Under the reform, eligible developers can satisfy their statutory bond obligation by taking out an approved decennial-style policy that gives owners 10 years of cover for major structural defects from completion, claimable directly, without first having to pursue developers or builders through costly legal action.&nbsp;

The change forms the final tranche of amendments arising from the 2021 statutory review of the Strata Schemes Management Act 2015 and related legislation.

Resilience Insurance, which originated the cover in Australia and has delivered it in NSW since 2022, welcomed the passage and credited the NSW Government for delivering it.

“This is protection apartment buyers have needed for a long time, and the credit for delivering it belongs to the NSW Government,”&nbsp;said Corey Nugent, CEO of Resilience Insurance.

“Minister Chanthivong and his team have shown real leadership in replacing an outdated two-year bond with cover that matches the lifespan of the buildings people are buying into. Reform like this is what good, evidence-based regulation looks like.”

Resilience has delivered LDI in NSW since 2022, protecting thousands of apartments, giving the State, and now the country, real-world evidence of how decade-long, no-fault protection works in practice.

The reform also places NSW within a wider national shift.

NSW is the third jurisdiction to put decennial cover into law. The ACT legislated for it in 2024, with the scheme taking effect in late 2025, and Victoria passed its own framework on 17 June. Between them, the three cover the majority of Australia's apartment market.

The reform commences once the legislation is proclaimed, which is expected in the coming weeks. From that point, developers of Class 2 residential apartment buildings can meet their statutory obligation with an approved decennial policy in place of the bond.

Buyers who purchased into projects that took out the cover early are among the first in the country to take keys to apartments carrying decade-long structural protection.

“With the legislation passed, the focus now turns to making it work for buyers,”&nbsp;Nugent said.

“There are already thousands of apartments in NSW covered by this insurance, bought by developers who moved early. The question every buyer should be asking in a display suite is a simple one: does this building come with 10-year defect cover, and who stands behind it?&nbsp;

“We look forward to working with the Government and the Building Commission in coming weeks as the framework moves to implementation, and to sharing what we have learned over the past four years so the protection reaches owners as smoothly and quickly as possible.”

Other states are working through their own reform programs. Western Australia has indicated that decennial cover is within consideration a later stage of its reform sequence, and Queensland has been examining the settings as it looks at the development pipeline ahead of the 2032 Olympics.

Resilience Insurance acknowledges the NSW Government’s continued focus on strengthening consumer protection while supporting housing delivery across the State.

Fast Facts: What the reform means

<ul style="color:#222222; font-family:Arial, Helvetica, sans-serif; font-size:small; font-style:normal; font-variant-ligatures:normal; font-weight:400; text-align:start; white-space:normal; background-color:#ffffff; text-decoration-thickness:initial; text-decoration-style:initial; text-decoration-color:initial">
	<li style="margin-left:15px; font-family:Aptos, Arial, Helvetica, sans-serif; font-size:12pt; color:#000000">Proven at scale:&nbsp;Decennial cover has operated in NSW since 2022, protecting thousand of apartments.</li>
	<li style="margin-left:15px; font-family:Aptos, Arial, Helvetica, sans-serif; font-size:12pt; color:#000000">10 years of cover:&nbsp;Protection for major structural defects runs for a decade from completion, claimable directly and with no legal action required.</li>
	<li style="margin-left:15px; font-family:Aptos, Arial, Helvetica, sans-serif; font-size:12pt; color:#000000">An alternative to the bond:&nbsp;Eligible developers can meet their statutory obligation with an approved decennial-style policy in place of the 2% strata building bond.</li>
	<li style="margin-left:15px; font-family:Aptos, Arial, Helvetica, sans-serif; font-size:12pt; color:#000000">Part of a national shift:&nbsp;The ACT has had decennial provisions in force since 2025 and Victoria passed its framework in June. NSW now joins them.</li>
	<li style="margin-left:15px; font-family:Aptos, Arial, Helvetica, sans-serif; font-size:12pt; color:#000000">No-fault, first resort:&nbsp;Owners corporations claim directly from the insurer without first having to establish who is liable for the defect.</li>
	<li style="margin-left:15px; font-family:Aptos, Arial, Helvetica, sans-serif; font-size:12pt; color:#000000">Cost-competitive:&nbsp;At approximately 1.8% of build cost, LDI is typically priced below the 2% bond while offering broader, longer protection.</li>
	<li style="margin-left:15px; font-family:Aptos, Arial, Helvetica, sans-serif; font-size:12pt; color:#000000">Market position:&nbsp;Resilience originated LDI in Australia and has delivered it in NSW since 2022.</li>
</ul>

Fast Facts: What is Resilience LDI?

<ul style="color:#222222; font-family:Arial, Helvetica, sans-serif; font-size:small; font-style:normal; font-variant-ligatures:normal; font-weight:400; text-align:start; white-space:normal; background-color:#ffffff; text-decoration-thickness:initial; text-decoration-style:initial; text-decoration-color:initial">
	<li style="margin-left:15px; font-family:Aptos, Arial, Helvetica, sans-serif; font-size:12pt; color:#000000">Resilience Latent Defects Insurance (LDI):&nbsp;Covers major structural defects for 10 years from completion.</li>
	<li style="margin-left:15px; font-family:Aptos, Arial, Helvetica, sans-serif; font-size:12pt; color:#000000">Consumer-first:&nbsp;Direct claim access, no need for lengthy legal action.</li>
	<li style="margin-left:15px; font-family:Aptos, Arial, Helvetica, sans-serif; font-size:12pt; color:#000000">Cost advantage:&nbsp;At approximately 1.8% of build cost, LDI is typically priced below the traditional 2% Strata Bond while offering broader protection.</li>
	<li style="margin-left:15px; font-family:Aptos, Arial, Helvetica, sans-serif; font-size:12pt; color:#000000">Market leader:&nbsp;&nbsp;Resilience Insurance originated LDI in Australia and is the national market leader.</li>
</ul>

Joel Robinson

NSW parliament passes 10-year defect insurance laws for new apartment buyers

Developer <a href="https://www.apartments.com.au/developers/drew-group">Drew Group</a> is wasting little time following the completion of Lagoon Main Beach, lodging plans for another high-rise apartment development less than two kilometres away at the northern end of Surfers Paradise.

Drew Group, led by local developer Jon Drew, is pitching for a 32-storey residential tower at 180–184 Ferny Avenue, replacing three low-rise buildings on a prominent 1,055 sqm corner site just 150 metres from the beach.

Drew called on architecture firm&nbsp;<a href="https://www.apartments.com.au/architects/bda-architecture">BDA</a>&nbsp;to design the new slender tower, which will have 130 apartments. BDA drew on the inspiration of legendary architect Frank Lloyd Wright's philosophy of organic architecture, which seeks "a superior sense of use and a finer sense of comfort, expressed in organic simplicity."

"The design creates a seamless dialogue between built form, natural elements, and the iconic Surfers Paradise context," BDA wrote in the application recently submitted to the Gold Coast City Council.<img alt="First look: Drew Group eyes next Gold Coast tower after completing Lagoon Main Beach" data-entity-type="file" data-entity-uuid="5dcaa84d-67ba-4e22-b8f1-208ca5056b05" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/surfers%20paradise%20da.png?VersionId=Ah9oBOlL0ofC5eboXSI.dEq9VRfEnFaT" />

BDA also drew inspiration from New York's iconic Flatiron Building, with softened curved corners responding to the geometry of the triangular site. While referencing the 1902 Manhattan landmark, the design reinterprets its distinctive form through a contemporary coastal lens.

Drew is targeting the Gold Coast's "missing middle" market, a segment that has arguably been underserved in recent years. The project is weighted towards owner-occupiers, with 104 two-bedroom apartments complemented by a further 26 one-bedroom residences.

Resident amenity will be centred on the level five podium, featuring a resident lounge, gym, yoga room, steam room, sauna, lap pool with a lagoon area, spa, cold plunge and magnesium plunge.&nbsp;

Additional resident facilities will occupy the rooftop, including work-from-home spaces, a meeting room, resident lounge with a full kitchen, bar and dining area, as well as a dedicated wellness zone with additional plunge pools, steam rooms and saunas.

<img alt="First look: Drew Group eyes next Gold Coast tower after completing Lagoon Main Beach" data-entity-type="file" data-entity-uuid="a1392ad9-620b-41f9-957d-b1fcec13613f" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/surfers%20da%20podium.png?VersionId=9kDudIwvCaZFW6F8IyXGP6wQg0B_VS3E" />

The application follows the completion of Drew Group's Lagoon Main Beach, which only has around four apartments left to sell after a successful sales and marketing campaign.

Built by Hutchinson Builders, Lagoon comprises 248 apartments and was popular with local owner-occupiers and interstate buyers.

First look: Drew Group eyes next Gold Coast tower after completing Lagoon Main Beach

Builder-developer <a href="https://www.apartments.com.au/developers/mcnab-developments">McNab</a> has wasted little time reshaping one of South Brisbane's most significant undeveloped apartment sites after acquiring the property earlier this year.&nbsp;

McNab has lodged plans to scrap an existing approval for two 30-storey towers and instead deliver a single 28-storey residential building, preserving part of the site for a future development opportunity.

The proposal, lodged over <a href="https://www.apartments.com.au/new-apartments/64-peel-street-south-brisbane-qld-4101">64 Peel Street and 9 Cordelia Street</a>, is for a residential-led mixed-use development comprising 124 apartments above a landscaped podium, alongside a boundary realignment that preserves part of the land for a future residential project.

<img alt="First look: McNab resets decade-old South Brisbane approval with 124-apartment tower" data-entity-type="file" data-entity-uuid="743bf564-3f8f-45fc-b8d3-bbf18f5b628f" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/mcnab%20Peel%20st%20podium.png?VersionId=EhCxGrVn_VFH3qTbKnI4WppGwaMnOn0t" />

Designed by <a href="https://www.apartments.com.au/architects/hayball">Hayball</a>, the development will deliver 119 two-bedroom and five three-bedroom apartments across 23 residential levels. A five-level podium will accommodate 135 car spaces, while the ground floor will include a 66 sqm commercial tenancy, an activated residential lobby with work-from-home spaces, and a publicly accessible landscaped plaza linking Cordelia and Peel streets.&nbsp;

Communal amenities will span Level 6 and the rooftop, including indoor and outdoor recreation spaces, a swimming pool, barbecue facilities, kitchen and dining areas, lawn space, sauna, steam room and yoga facilities.

The application also proposes a boundary realignment to create a standalone 1,290 sqm development lot while retaining an adjacent parcel for future redevelopment, allowing the balance of the site to contribute additional housing over time.

Hayball said the architecture has been shaped by the site's elevated corner position at the intersection of Peel and Cordelia streets and Brisbane's subtropical climate.

The design incorporates generous landscaped setbacks, a masonry podium wrapped with planting, large north-facing balconies, and a slender tower profile intended to maximise natural light, cross ventilation and long-range views. The rooftop has been conceived as a wellness-focused retreat overlooking Brisbane, with amenities positioned to capture views towards Mount Coot-tha and the CBD.

<img alt="First look: McNab resets decade-old South Brisbane approval with 124-apartment tower" data-entity-type="file" data-entity-uuid="c5f99e84-6ad8-4a87-82d1-869685b754d2" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/mcnab%20tower%20perspective.png?VersionId=Gw0IuJaSAlk.tvGBxInhZOcQAdIB..2b" />

The planning submission positions the proposal as a response to both changing market conditions and Brisbane's Kurilpa Sustainable Growth Precinct planning reforms.

McNab acquired the site after the previous approval was granted, with the existing scheme no longer reflecting current residential market demands, economic conditions, construction challenges, construction efficiencies or the quality of development outcome now being pursued, the planning report noted.

McNab continues to expand its residential development pipeline across Brisbane and the Gold Coast. The developer recently launched The Tannery in West End, securing more than 60 per cent of apartments before the project's public release. It is also delivering Elements Budds Beach in Surfers Paradise and Lucia Highgate Hill, an eight-apartment boutique development overlooking the Brisbane River.

McNab resets decade-old South Brisbane approval with 124-apartment tower

A steeply sloping Bellevue Hill site is set to accommodate a new mid-rise apartment development, with plans lodged for 20 homes that respond to the site's dramatic topography.

The proposal for the consolidated land at <a href="https://www.apartments.com.au/new-apartments/138a-140-bellevue-road-bellevue-hill-nsw-2023">138A-140 Bellevue Road</a> has been designed by Sydney architecture practice Common Office, which has used the site’s substantial fall to distribute the building’s scale and unlock 20 apartments without presenting the full height to the street.&nbsp;

“The unique design strategy leverages the site’s substantial topographical fall to facilitate increased density, presenting a seven-storey profile to Bellevue Road while rising to 10 storeys at the rear,” Common Office said in its architectural design report.

The apartment mix spans one, two, three- and four-bedroom residences. Four two-bedroom apartments are designated as affordable housing, while the plans also include two adaptable dwellings. The mix is majority three-beds, with the typical three-bed apartment offering around 144 sqm internally, with balconies of around 15 sqm.

The affordable housing component represents 15 per cent of the residential floor area and allows the project to access additional height and floor space under the NSW Government’s in-fill affordable housing provisions. The site also falls within the inner area of the Low and Mid-Rise Housing Policy because it is within 400 metres walking distance of Double Bay Town Centre.

<img alt="First Look: Plans lodged for topography-led affordable housing project in Bellevue Hill" data-entity-type="file" data-entity-uuid="b1230d0f-3bfa-4a11-abaf-0928c66ef345" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/Bellevue%20da.png?VersionId=dZeMK3P.OutGjN8ycjsxm8uNsj_QFWQv" />

Common Office has arranged the building around a masonry podium and a lighter upper volume, drawing on two recurring elements of Bellevue Hill’s established architecture: sandstone bases and the vertical proportions of local Inter-war Art Deco apartment buildings.

“The proposal is governed by a holistic design language that reconciles the solid horizontal masonry of the neighbourhood’s podiums with the elegant verticality of its Art Deco heritage,” the architect said.

“The building maintains a consistent rhythmic logic utilising deep recesses and a sophisticated material transition to break down the 10-storey scale into a series of articulated, human-scale volumes.”

<img alt="First Look: Plans lodged for topography-led affordable housing project in Bellevue Hill" data-entity-type="file" data-entity-uuid="0147f503-1af1-4d51-97fb-c2f1cba63a9d" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/Bellevue%20bldg.png?VersionId=GoW7q3NlK67OpnePXhk7zvklrlKb72Qc" />

Large-format sandstone tiles will define the lower levels, establishing a robust base that negotiates the change in elevation from Bellevue Road. Above, red-tinted precast concrete frames, recessed balconies, anodised aluminium screens and expanded metal details will create a more vertically expressed façade. Integrated planter beds will introduce greenery across balcony edges and recessed sections of the building.

The elongated northern façade has been divided into three recessed vertical masses to reduce its perceived length. Triangular window elements and metal privacy screens reference the geometry of nearby Art Deco buildings while controlling overlooking toward surrounding homes. The southern elevation will incorporate further privacy screening, landscaped edges and deep balconies to maintain light and ventilation.

<img alt="First Look: Plans lodged for topography-led affordable housing project in Bellevue Hill" data-entity-type="file" data-entity-uuid="e8679cf1-18bc-4447-8a0f-0052b94ab83c" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/Bellevue%20da%20rooftop.png?VersionId=5SQqQqRFf76rvE2p1TbxJSweMN70AIbc" />

Private and communal landscaping is distributed throughout the development. A landscaped garden apartment is positioned within the lower portion of the site, while a communal terrace on Level 5 will include a central timber deck, barbecue facilities, resident planting plots and areas for outdoor dining and informal gatherings.

Common Office described the terrace as an elevated sanctuary designed to capture district views and sunlight. Its planting strategy incorporates endemic species associated with the Eastern Suburbs Banksia Scrub, extending the landscape vertically through the building and providing habitat for local flora and fauna.

A second communal outdoor area is proposed at roof level, with built-in seating, paved gathering areas and perimeter planting.

Bellevue Hill is enjoying renewed momentum in the new apartment market, with several boutique developments recently launched and currently under construction. Positive Investment Enterprise is delivering the 16-apartment Kew Palm House on Birriga Road, while Chanine Developments is also under construction at Florian, a 36-apartment project on Banksia Road.

&nbsp;

Bellevue Hill is enjoying renewed momentum in the new apartment market, with several boutique developments recently launched and currently under construction.

First Look: Apartment development pitched for Bellevue Hill, Double Bay fringe

South Brisbane's apartment pipeline continues to build momentum, with <a href="https://www.apartments.com.au/developers/trk-property-group">TRK Property Group</a> lodging plans for a 161-apartment tower on Montague Road as developers accelerate investment across the Kurilpa Sustainable Growth Precinct.

The proposal for 176–186 Montague Road would replace an existing office building with a 20-storey residential tower designed by <a href="https://www.apartments.com.au/architects/cox-architecture">COX Architecture</a>, adding to a growing pipeline of high-density projects reshaping one of Brisbane's fastest-evolving inner-city precincts.

The project has been conceived as a "living building", featuring a flowing tower form, extensive vertical landscaping, and generous communal spaces that respond to the evolving Kurilpa Sustainable Growth Precinct.

TRK Property Group Development Director Matt Kan said the project reflected the confidence developers have in South Brisbane's long-term future.

"South Brisbane is entering an incredibly exciting period, and we see Montague Road sitting right at the heart of that evolution," Kan said.

"With the former Visy site directly opposite us and significant investment planned throughout the broader Kurilpa precinct, there is a real sense of momentum around this part of the city and what it will become over the coming years.

"For TRK, this is an opportunity to be part of that next chapter and deliver a project that responds to where the precinct is heading, while contributing to the continued evolution of Brisbane's river edge."

<img alt="First look: TRK Property joins South Brisbane apartment surge with Montague Road tower plans" data-entity-type="file" data-entity-uuid="590fe1ad-f892-4446-a679-80e33a16d029" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/TRK%20tower%20facade.png?VersionId=uOJStrcKpyHFcPE1w6_9SMAFzVMCcZll" />

The scheme includes a mix of one, two, three and four-bedroom apartments, incorporating multi-purpose rooms in selected residences to provide additional flexibility for home offices or expanded living areas. The proposed mix comprises 15 one-bedroom, 13 one-bedroom plus MPR, 73 two-bedroom, 26 two-bedroom plus MPR, 30 three-bedroom, and four four-bedroom apartments.

Rather than adopting a conventional rectilinear tower, COX Architecture has developed a sculpted form inspired by the movement of the Brisbane River.

"The proposal has been designed by COX Architecture as a 'living building' that responds to the site's riverine setting, floodplain history and evolving urban context within the Kurilpa Sustainable Growth Precinct," the planning report states.

"The architectural form draws from the fluid nature of the Brisbane River, with a curved and undulating tower form that creates a varied architectural edge and avoids a conventional rectilinear tower expression."

The podium has also been designed as an architectural feature rather than a conventional parking structure, with cascading planting, screening and natural-toned materials softening its appearance. Resident parking is elevated above ground level to address the site's flood constraints, while habitable apartments sit above flood planning levels. Upper-level communal facilities are designed to accommodate shelter-in-place arrangements during major flood events.

<img alt="First look: TRK Property joins South Brisbane apartment surge with Montague Road tower plans" data-entity-type="file" data-entity-uuid="01fa15d0-90df-46c7-9555-7941fc45373c" src="https://s3.ap-southeast-2.amazonaws.com/www.urban.com.au/s3fs-public/inline-images/TRK%20podium.png?VersionId=mHyua.w1pHGBt9qEdWzrlsv.leztUCwO" />

Communal amenity is a major focus of the proposal. Around 1,815 sqm of shared resident space is proposed across the ground floor, level 19 and the rooftop, including co-working areas, indoor and outdoor recreation spaces, wellness facilities, dining and gathering areas, lawn spaces, a rooftop pool and spa, and extensive landscaping. At street level, a landscaped forecourt and approximately 345 sqm of publicly accessible open space along Montague Road are intended to improve the pedestrian experience while activating the building's frontage.

The development will provide 163 car spaces, including 152 resident bays and 11 visitor spaces, together with 144 bicycle spaces incorporating resident storage, visitor parking, bicycle maintenance facilities and e-mobility charging infrastructure.

The site sits within one of Brisbane's fastest-changing inner-city precincts, less than two kilometres from the CBD and within easy reach of South Bank, West End, the Queensland Cultural Centre and extensive public transport connections. The Kurilpa Sustainable Growth Precinct planning framework is encouraging higher-density residential development to help meet Brisbane's housing supply targets while supporting walkable, transit-oriented neighbourhoods.

TRK Property joins South Brisbane apartment surge with Montague Road tower plans

Rural Community

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GUEST OBSERVATION
The Financial Services Royal Commission has exposed the fraught relationship between farmers and financiers. We have heard about loan terms being changed without notice or consultation, loans revalued to suit the agendas of financiers, and heartless and harsh treatment of farmers once the loans are revoked.
A number of factors have contributed to this, including instability in the market value of farms, policy changes that make farms more reliant on financial instruments, and shifts in the global positioning of farm land relative to other forms of property.
The commission has heard that local lending brokers were not qualified to value farm properties, and that farm valuations have become fluid and unpredictable.
Sometimes farms and farmland were deliberately overvalued. Higher values enable farmers to borrow more money for farm improvements, and the local lending branch manager to earn higher commissions.
Not only do the central administrators in banks lack the information and expertise to question these assessments, their business models have encouraged overvaluation and overborrowing as a means to grow their businesses.
Across the Murray Darling Basin banks have taken the separation of water from land – a precursor to the marketisation of water – as a cue to devalue land.
This has provided a reason to void existing loan agreements and to offer refinancing under more arduous conditions. Farmers have no option to refuse, and so borrow with the expectation that a couple of good years will put them back on track.
And if the good years don’t materialise, farms fall into financial stress.
This confronts a third issue, which is that in the bad years farms are harder to sell so their market value plummets. This compounds the problem.
Farmers are more reliant on banks
Policy changes have made farms more reliant on banks.
Since Australia adopted open-market policies in the 1980s and agricultural markets have become global, farmers have been exposed to global price changes.
The removal of single-desk marketing boards like the Australian Wheat Board, which protected farms from price fluctuations, increases the impact of price changes. Farmers are now expected to purchase financial products to reduce the risk of this volatility.
Drought assistance has also been reoriented to rely on market-based instruments, such as loans from banks rather than grants from governments. In the wake of the deregulation of the financial system, and the post-financial crisis consolidation of the farm lending sector, many farm-specific loan products have disappeared. So banks tend to treat farms as businesses like any other.
The open-market policies also create an imperative to expand landholdings (“get big or get out”) and to invest in the latest equipment and technologies. Since this requires borrowing, it thrusts farmers onto a credit treadmill.
Of course, low interest rates have also stimulated borrowing for farm expansion.
Increasing corporate control of farm inputs (seeds, fertiliser etc.) and outputs is squeezing farmers’ capacity to earn enough to service their loans.
To make matters worse, the declining terms of trade impel farmers to increase productivity just to stand still.
The farmers before the royal commission have mostly managed to stay on the treadmill, but only until the banks’ rule changes cranked up the speed to throw them off.
It’s clear that despite their crucial role, many banks still don’t really “get” the vagaries of farming. They don’t understand how different farm lending is – or should be – to commercial and housing lending. Neither do they seem to appreciate the broader social and economic dimensions of the role they have in managing farm risks.
Dramatic revisions to land valuations, as discussed in numerous cases described in the commission, can undermine an entire farming region’s equity.
The accelerated thinning out of the farming population impacts on local economies and sporting teams, among others. In the lead-up to and during the whole process of deregulation, farmers were continually reassured – in reports by the Productivity Commission, for example – that the credit market would evolve to meet their needs.
The evidence that the commission has heard in many respects represents a case of market – and regulatory – failure.
Since the global financial crisis, farm land has become an attractive investment for wealthy families and institutional investors, and for governments worried about food security.
As this pushes up land values, banks can be more aggressive towards failing farms. Foreclosures free up land for deep-pocketed investors.
It would be a mistake, then, to conclude that the stories coming out of the commission are an isolated issue relating to the one bank’s heavy-handed mopping up after the failure of a specialised rural lender – as was the case with ANZ and Landmark.
On the contrary, there are many stories of different banks imposing financial risk frameworks on farmers that are ill-equipped to accommodate the vagaries of farming production and pricing.
When farmers jest about being owned by the banks, they aren’t joking.
We should ask why the government took so long to acknowledge the problems of rural finance and the effects on farming communities.
After the commission concludes, it is likely that banks and regulators will tighten the risk parameters on farm lending and make it harder for smaller family farmers to access finance.
Vulnerable farms will not be able to borrow as much money as in the past. This might be prudent from a financial risk perspective.
However, if city bankers don’t understand farming and don’t make allowances for the volatile and uncertain economies of farming, there’s still no guarantee that tighter rules will translate into better decisions and more positive outcomes.
<img src="https://counter.theconversation.com/content/99086/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1">Rather, tighter rules are likely to have uneven consequences, further disadvantaging smaller family farms relative to deep-pocketed agribusinesses. So, in effect, restricting credit is likely to accelerate the transfer of farmland from family farms to more corporate entities including transnational corporations.
Sally Weller, Reader, Australian Catholic University
Neil Argent, Professor of Rural Geography, University of New England
This article was originally published on <a href="http://theconversation.com" target="_blank">The Conversation</a>. Read the <a href="https://theconversation.com/royal-commission-shows-bank-lenders-dont-get-farming-and-rural-economies-pay-the-price-99086" target="_blank">original article</a>.
</body></html>

j.ballantyne1990-6AQqhLzZaK

Royal commission shows bank lenders don't 'get' farming, and rural economies pay the price

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GUEST OBSERVATION
What if Australia were to stop farming? At approximately 3% of gross domestic product, the removal of agriculture from the economy would be a significant hit. It would affect our balance of payments — 60% of agricultural produce is exported and it contributes 13% of Australia’s export revenue.
Towns that are slowly dying would collapse, jobs would go. But really the scandal of this thought goes beyond economics and into the very soul of the nation. The crucial insight to emerge from such a thought-experiment is that agriculture in Australia is a religion — it is as much a religion as it is an industry.
The powerful ideological connection between Australia and agriculture is being increasingly and diversely scrutinised and comes to the fore in Charles Massy’s iconoclastic epic, Call of the Reed Warbler: A New Agriculture, A New Earth (2017), which throws into question 200 years of assumptions about what it means to graze animals in Australia.
Massy’s joins a spate of recent books that seek to recast the basic assumptions on which Australian agriculture was built. They include Don Watson’s The Bush (2016), Bruce Pascoe’s Dark Emu, Black Seeds: Agriculture or Accident? (2014) (which has recently been turned into dance by Bangarra) and Bill Gammage’s The Biggest Estate on Earth: How Aborigines Made Australia (2012). If agriculture is a religion in Australia, these writers are its heresiarchs.
It is a truism that Australia, overwhelmingly urban for most of its modern history, draws its identity disproportionately from “the land”. Those Qantas television advertisements with choirs of angelic children strewn elegantly in front of Uluru or the Twelve Apostles trade on the basic fact that Australians identify and want to be identified with the continent itself.
In this sense, Australia (the continent, the land, the soil, the bush) is imagined as a metaphysical substance which gives unity, meaning and destiny to what might otherwise seem like a collection of recently federated settler colonies, formed to extract resources for the benefit of a once powerful European nation state. The practice of agriculture is central to the belief that Australians as a people are expressive of Australia, the metaphysical ideal. Without this connection between agriculture and Australianness, we couldn’t make sense of such fashion icons as Akubra, Blundstone, Driza-Bone and R.M. Williams.
Serious questions
Serious questions about the way that Australia sustains people through the plants and animals that are husbanded on its ancient soils are not, of course, confined to the past several years. The revision might be traced to Tim Flannery’s The Future Eaters (1994), or even earlier to such seminal works of environmental history as Eric Rolls’ A Million Wild Acres (1981), W.K. Hancock’s Discovering Monaro (1972), and Barbara York Main’s Between Wodjil and Tor (1967) and Twice Trodden Ground (1971).
What each of these writers did was to make the Australian environment, or some part of it, an actor rather than a stage. The environment for these writers was not some broadly passive, albeit resistant, thing out there that needed to be overcome, battled, tamed, brought into submission — it was a dynamic system of interrelated parts, where every action had cascading consequences and complex repercussions.
At the centre of, or just beneath, all of these books is the attempt to try and locate some kind of basic environmental baseline. There seems to be no dispute about the fact that the agricultural colonisation of Australia by Europeans has had far reaching consequences for the organisation of the continent’s biota.
In almost every possible way the land has undergone serious and widespread interventions. The introduction of new predators, notably cats and foxes, caused (and continues to cause) mass extinctions of species. The introduction of hooved animals, in addition to their utterly different patterns of grazing, also hardened the soil and changed the extent to which rain is absorbed or runs off the surface of the land, often carrying soil into rivers which now run faster but also then silt up and slow down.
The removal of perennial, deep rooted vegetation for annual crops causes groundwater to rise and dissolves salt crystalised in the soil, resulting in soil salinity. Fire regimes have changed radically. Rabbits and other rodents out-compete native herbivores, while European carp have transformed the major river systems of the south east. The list goes on, and it is surprisingly familiar to all of us.
But as these things continue to run rampant, and as major questions begin to be asked about the sustainability of agriculture, we seem to be thrown backwards into the origins of these problems. And as we trace them back we come against the tantalising question of what it was all like before this. Before what? Before the arrival of Europeans. What did Australia look like in 1788, in fact? This is the question that each of these writers seems to be either answering, or at the least reacting against.
What it was like before
In this respect, Bruce Pascoe’s Dark Emu, which builds in important ways on Gammage’s earlier book, provides the most concerted attempt to answer the question about the quality of the country — in particular, the interface between human and nature — in the pre-colonial epoch. Because of the oral quality of Aboriginal societies, many of these questions have traditionally been considered to fall beyond the province of history proper, and into the study of pre-history (archaeology) and anthropology.
Indeed, there is something of a demarcation dispute around this crucial hinge between Aboriginal and European colonial lifeways. One of the strengths of Pascoe’s book is its ability to bridge archaeology, anthropology, archival history, Indigenous oral tradition and other more esoteric but highly revealing disciplines such as ethnobotany and paleoecology.
The key contention in Pascoe’s book is that the whole distinction between the farming colonist and the hunter-gatherer indigene is based on a radical, and frankly self-serving, misunderstanding of the way that the Indigenous peoples of Australia lived in their countries. Pascoe assembles a persuasive case that Indigenous Australians farmed their land, lived in villages, built houses, harvested cereals, built complex aquaculture systems — possibly the earliest stone structures in human history — and led the kind of sedentary agricultural lives that were meant only to have arrived with Europeans in 1788.
Pascoe is an Indigenous historian and is clearly motivated by a desire to redress the serial denigration of Indigenous people. His cards are on the table, but this does not mean that he is not a rigorous and exacting judge of the historical record.
Massy, for his part, was born and bred on a sheep and cattle farm on the Monaro plain — a farm he has now run for over 40 years. By his own confession, he spent the majority of his farming life assiduously contributing to the problems he is now just as assiduously diagnosing in The Call of the Reed Warbler. The book is in many respect a conversion narrative, documenting the moment when the scales fell from his eyes and he saw truly the world as it was — not a land made efficient and productive by the application of agricultural science, but a land emptied of its relationships and webs of life by a kind of collective psychosis. Farming wasn’t sustaining the land, it was ruining it. It was an extractive industry that had gobbled up thousands of years of sustenance in a few generations of sustained plunder.
Don Watson’s book The Bush is the most literary of these recent contributions, and it moves effortlessly and elegiacally between science, history, reminiscence and anecdote. He has a writing style that is epigrammatic and sonorous, reminiscent of the way that, in an American context, Wallace Stegner treated the tumultuous history of the American Great Plains.
Against the bluff empiricism that underpins Gammage and Pascoe, and the ardour of the convert that galvanises Massy, Watson offers something more elliptical and rhapsodic. He moves from his native Gippsland to Australia at large through a sort of sly mimicry of the discourse of the Australian bush. The bush is both the object of Watson’s study and his linguistic mode, since he draws his wry sensibility directly from Joseph Furphy or Henry Lawson. The distinctive admixture of acerbic humour, dark melancholy and a poignant apprehension of the absurdity of life that was the hallmark of the Bulletin school of writers.
Something is broken
What all of these books are saying, and why they are in fact getting traction now, is that something is broken. These books are not announcing that the environment is broken — they merely mention this in passing, regarding this as beyond any reasonable doubt. Instead, what these books are announcing is that agriculture is broken.
This, in the context of our self-image, is something that is much more terrifying and it will be savagely resisted. But each book is also hopeful in its way. None more than Charles Massy, whose book’s subtitle “A New Agriculture, A New Earth” is openly salvationist and The Call of the Reed Warbler is a detailed plan for the regeneration of degraded pastoral country that allows for both agricultural production and environmental recovery.
A few weeks ago, I was visiting the rock formation we whitefellas have called Wave Rock, in Western Australia’s southern wheatbelt. It is a stunningly beautiful granite outcrop and central to the lifeways of the Noongar people of this region.
What stands out now is the contrast between the cleared fields stretching to the horizon in every direction and this tiny oasis of bushland surrounding the rock. The paleo-river channels that shaped the landscape are now heavily waterlogged by a rising water-table and everywhere you see the signs of salinized soil—dead and dying shrubs and trees.
But as tourists we carefully avert our eyes and pose for photographs at the rock. This is in many ways a microcosm of the determined blindness that these recent books are trying to rectify.
Tony Hughes-D'Aeth, Associate Professor, English and Cultural Studies, University of Western Australia
This article was originally published on <a href="http://theconversation.com" target="_blank">The Conversation</a>. Read the <a href="https://theconversation.com/friday-essay-dark-emu-and-the-blindness-of-australian-agriculture-97444" target="_blank">original article</a>.
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Dark Emu and the blindness of Australian agriculture

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GUEST OBSERVATION
Amid the politics, it’s sometimes easy to forget that the Murray-Darling Basin Plan was originally designed primarily to restore the rivers’ environment. While questions have been raised over the plan’s governance, economics, and political commitment by the states, it is important to note that, more than five years after the plan’s adoption, the environmental benefits are slowly but surely being seen.
The Long-Term Intervention Monitoring Project began in 2014 to monitor and evaluate environmental outcomes from Commonwealth environmental water – the water being delivered into the Murray-Darling Basin by the plan.
We are leading independent teams of researchers and consultants in monitoring seven selected areas across the Murray-Darling Basin, and then scaling up those results to deduce the health of the basin as a whole.
<img src="https://images.theconversation.com/files/216603/original/file-20180427-175047-1mbewa4.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=237&amp;fit=clip" alt="">
The seven monitoring sites. Author provided
Three and a half years into an initial five-year program, we are generally seeing environmental changes of the types and magnitudes expected at this stage of the plan.
Plans, predictions and possibilities
It’s not widely known what environmental water can and cannot do, and how different environmental indicators will respond at different rates. The Basin Plan’s objectives focus on fish, bird and vegetation communities – and in all of these areas, the changes will take time.
Under the plan, we expect that it will take more than a decade from the start of flow delivery before large-scale changes become evident. Detecting these changes will require both time and high-quality data.
What’s more, Commonwealth environmental water is a relatively small proportion of what once flowed through these systems. The government currently holds entitlements to 1,836 billion litres, which is less than 6% of average system inflows (the rainfall that makes it into the river system).
This is not enough water to restore natural flow patterns. Along with other constraints, such as the pressure to keep water off floodplains, this means that managers need to be extremely selective about where, when and how water is delivered for environmental benefits.
What are we monitoring?
While we are monitoring fish, birds and vegetation to allow us to measure progress towards the Basin Plan’s objectives, we are also monitoring shorter-term responses. These responses provide data on environmental processes that will allow us to predict whether we can expect the Basin Plan ultimately to deliver on the promised long-term improvements.
A good example of this is golden perch, a threatened and iconic native fish species in the Murray-Darling Basin. Long-term changes in the adult population will only be seen if shorter-term processes, such as migration and spawning, occur. Environmental water should help these processes, and we are monitoring those outcomes.
Adult fish respond to high flows in spring, moving downstream to spawn. Eggs and larvae are washed further downstream, so to bring new fish into the local population, high flow events in autumn can be used to attract juvenile fish back into a river. Golden perch move over very large distances, and as adults they may end up living in a different river from where they were spawned.
If environmental water is used to achieve all these processes, then over years to decades, we will see an increase in adult golden perch numbers.
<img src="https://images.theconversation.com/files/216605/original/file-20180427-135538-17ka5au.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="">
Adult golden perch fitted with a tag to track its movements. Wayne Koster/Arthur Rylah Institute, Author provided
Quicker results
Not everything takes decades, however. We have already been able to detect some shorter-term benefits from the plan. Here are some examples from around the Basin:
<ul>
<li>
Lower Murray: environmental water has reduced salinity in the Coorong and increased salt export through the Murray mouth
</li>
<li>
Edward-Wakool: environmental water has provided refuges for aquatic fauna during low-oxygen “black water” events caused by floods in 2010 and 2016, reducing impacts on fish populations
</li>
<li>
Murrumbidgee: environmental water has been crucial in helping endangered populations of the vulnerable southern bell frog to recover
</li>
<li>
Gwydir: environmental water allowed the production of 1,000 tonnes of zooplankton over 90 days, in turn providing food for fish and higher predators
</li>
<li>
Warrego-Darling: environmental water has maintained flows in a system that would have otherwise dried to a series of isolated pools, maintaining food webs and stimulating fish breeding.
</li>
</ul>
Alternative outcomes
Besides reporting progress, our monitoring program also allows us to make predictions of what the system might have looked like with different environmental flows, or with no environmental flows at all.
In the Lachlan River in New South Wales, environmental water has been used to support a major bird breeding event by extending the period of flooding. Without this water, nests would have been abandoned, leaving thousands of fledglings to die.
<img src="https://images.theconversation.com/files/216607/original/file-20180427-175077-1rwhx2l.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="">
Straw necked Ibis chicks from the Lachlan River. Mal Carnegie/Lake Cowal Association, Author provided
We also share our results with environmental water managers to help improve the effectiveness and efficiency of environmental water delivery – a process called adaptive management. In the Goulburn River in Victoria, we have learned that the release of environmental water to help riverbank vegetation is more effective if delivered earlier in spring. Riverbank vegetation has now improved so much that metal pins being used to monitor erosion and sediment deposition can’t be found without a metal detector.
In it for the long haul
One criticism of the Basin Plan is that there is no evidence yet of basin-wide improvements. For some indicators this is to be expected because of the long time frames of response of the Basin Plan objectives. However, we have already reported on basin scale changes of other indicators, such as vegetation.
Also, the assessment of Commonwealth environmental water delivery shows that across the basin, we are creating the types of flow events expected to lead to beneficial environmental outcomes at broad scales.
<img src="https://images.theconversation.com/files/216606/original/file-20180427-137525-1mj0jlf.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="">
Environmental water release to improve water quality in the Edward-Wakool system. Photo: Commonwealth Environmental Water Office, Author provided
The politics of the Murray-Darling Basin Plan will probably always be fraught. But as the group charged with assessing environmental progress, we want the debate on its effectiveness to be underpinned by sound evidence from independent experts.
The Long-Term Intervention Monitoring Project, along with other research and monitoring, is providing that evidence.
So, while the Basin Plan’s objectives will take a long time to be realised, there are positive signs that it is slowly achieving its major goal of improving environments in the Murray-Darling Basin, underpinning more sustainable social, environmental and economic outcomes into the future.
Angus Webb, Senior Lecturer and quantitative ecologist, University of Melbourne
Darren Ryder, Professor of Aquatic Ecology and Restoration, University of New England
Fiona Dyer, Associate professor, University of Canberra; Michael Stewardson, Professor, University of Melbourne
Mike Grace, Associate Professor, Monash University
Nick Bond, Professor, La Trobe University
Paul Frazier, Adjunct Senior Lecturer, University of New England
Qifeng Ye, Principal Scientist, Inland Waters and Catchment Ecology Program
Rick Stoffels, Senior Scientist, CSIRO; Robyn J Watts, Professor of Ecology, Charles Sturt University
Samantha Capon, Research Fellow in Ecology, Griffith University
Skye Wassens, Associate Professor in Ecology, Charles Sturt University
<img src="https://counter.theconversation.com/content/93568/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1">This article was coauthored by Mark Southwell, Geomorphologist, Eco Logical Australia; and Shane Brooks, Director, LitePC Technologies.
This article was originally published on <a href="http://theconversation.com" target="_blank">The Conversation</a>. Read the <a href="https://theconversation.com/it-will-take-decades-but-the-murray-darling-basin-plan-is-delivering-environmental-improvements-93568" target="_blank">original article</a>.
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The Murray Darling Basin Plan is starting to deliver environmental improvements

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GUEST OBSERVATION
Australia is a continent defined by extremes, and recent decades have seen some extraordinary climate events. But droughts, floods, heatwaves, and fires have battered Australia for millennia. Are recent extreme events really worse than those in the past?
In a <a href="https://www.clim-past.net/13/1751/2017/cp-13-1751-2017" target="_blank">recent paper</a>, we reconstructed 800 years of seasonal rainfall patterns across the Australian continent. Our new records show that parts of Northern Australia are wetter than ever before, and that major droughts of the late 20th and early 21st centuries in southern Australia are likely without precedent over the past 400 years.
This new knowledge gives us a clearer understanding of how droughts and flooding rains may be changing in the context of a rapidly warming world.
A history of drought
Australia has been shaped by floods, droughts, and blistering heat. How big and how intense these events were is poorly understood due to the limited historical and observational records.
Historical records provide rough estimates of the extent and intensity of droughts in parts of Australia since the late 1700s. For example, captains’ logbooks from ships anchored off of Sydney describe the Settlement Drought (1790-1793), which threatened the tenuous foothold of early European settlers in Australia. And farmers’ records describe the Goyder Line Drought (1861–1866) that occurred in areas north of the known arable lands of South Australia.
Observational weather records provide more detailed descriptions of climatic variability. However, systematic recording of weather in Australia only began in the late 19th century. Since then many parts of the continent have experienced prolonged wet periods and droughts. The most well known of these are the Federation drought (1895-1903), the World War II drought (1939-45), and the recent Millennium drought (1997-2009).
All three droughts were devastating to agriculture and the broader economy, but each was distinct in its spatial footprint, duration, and intensity. Importantly, these droughts also differed in seasonality.
<img src="https://images.theconversation.com/files/215802/original/file-20180422-75119-l7k2fy.png?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="">
Recent and historical droughts in Australia for the different natural resource management (NRM) regions. Provided by M.Freund
For example, the Millennium drought, which was most severe in southwestern and southeastern Australia, was caused by poor rainfall during the cool season. In contrast, the Federation drought, which affected almost the entire continent, was predominantly due to rainfall declines during the warm season.
Although the historical and observational records provide a wealth of information about the frequency of wet and dry extremes, they provide only part of the picture.
Looking back
To understand possible trends in rainfall and assess the likelihood of prolonged droughts, we need to understand the long-term climatic context. For this, we need records that are much longer than existing observational and historical records.
Our new study used an extensive network of tree rings, ice cores, corals, and sediment records from across Australia and the adjacent Indian and Pacific Oceans to extend rainfall records across all of the major regions of Australia by between 400 and 800 years. Importantly, we did this for two seasons, the cool (April–September) season and warm (October–March) season, over eight large natural resource management regions spanning the Australian continent. This allows us to place recent observations of rainfall variability into a much longer context across the entire continent for the first time.
We found that recent shifts in rainfall variability are either unprecedented or very rare over the reconstructed period. The two most striking patterns were in tropical northern Australia, which as been unusually wet over the past century, and southern Australia, which has been unusually dry.
Our reconstructions also highlight differences between recent extreme drought events and those in earlier centuries. For example, the Millennium Drought was larger in area and longer than any other drought in southern Australia over the last 400 years.
Our reconstruction also shows that the most intense droughts described in the historical records – the Settlement Drought (1790-93), Sturt’s Drought (1809–30), and the Goyder Line Drought (1861–66) – were limited to specific regions. The Settlement Drought appears to have affected only Australia’s eastern regions, whereas the Goyder Line Drought, which occurred north of the northernmost limit of arable lands in Southern Australia, primarily impacted central Australia and the far north.
These historical droughts varied widely in the area they covered, highlighting at a continental scale the spatial diversity of drought. This spatial variability has also recently been demonstrated for eastern Australia.
<img src="https://counter.theconversation.com/content/94292/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1">Our multi-century rainfall reconstruction complements the recent Climate Change in Australia report on future climate. By providing a clearer window into climates of the past online, we can better see how extremes of rainfall may affect Australia in the future.
Mandy Freund, PhD student, University of Melbourne
Ben Henley, Research Fellow in Climate and Water Resources, University of Melbourne
Kathryn Allen, Academic, Ecosystem and Forest Sciences, University of Melbourne
Patrick Baker, ARC Future Fellow and Professor of Silviculture and Forest Ecology, University of Melbourne
This article was originally published on <a href="http://theconversation.com" target="_blank">The Conversation</a>. Read the <a href="https://theconversation.com/recent-australian-droughts-may-be-the-worst-in-800-years-94292" target="_blank">original article</a>.
Main photo: Lancelot that became a ghost town following the Federation Drought. <a href="https://www.flickr.com/photos/82134796@N03/9520085195/" target="_blank">denisben/flickr</a>, <a href="http://creativecommons.org/licenses/by-nd/4.0/" target="_blank">CC BY-ND</a>
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Recent Australian droughts may be the worst in 800 years

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GUEST OBSERVER
Most people with mental health issues in rural areas don’t seek treatment and access to mental health services is limited outside the major cities.
So rural professionals like hairdressers, bank managers, agriculture suppliers and vets have a crucial yet often overlooked role in looking after the mental health of their community.
These professionals have trusted work relationships where country people often pour out their emotions and open up to them about their problems. Training in some simple skills would allow them to approach these conversations with confidence, and contribute to improving the mental health of their communities.
Rural mental health
Rates of mental illness in rural communities are actually similar to those in metropolitan areas. However, rural people have higher rates of suicide and harmful alcohol use and about 70% of those with mental health problems do not seek treatment.
This is for a few reasons. First, there is a lack of mental health services in rural areas. In NSW for example, a quarter of people live outside major cities but 91% of psychiatrists have their main practice in a city. Second, people have difficulties accessing what specialist rural services there are due to cost (like lower rates of bulk-billing in rural areas) and distance.
And third, the stigma attached means many people may not seek help. This is especially the case in smaller communities where individuals are more visible and confidentiality may be less certain, and there is a culture of stoicism and self-reliance. All of this leads to people in rural areas being less likely to seek help – people from cities are almost twice as likely to have seen a psychologist in the last year (15%) compared with those from rural areas (8%).
Talking with ‘safe’ professionals
Rural people do often talk about their problems with “safe” professionals – professionals they already have trusted relationships with for other routine reasons. And these professionals – hairdressers, accountants, vets, teachers, agriculture suppliers – often listen to their problems.
Accountants and bank managers are good examples. A rural accounting firm once asked me to come in and train staff on how to deal with farmers who were attending meetings about finance or succession planning, and then letting it all out in a flood of tears about how stressed they were, and sometimes even their thoughts about suicide.
It can be easy to see how hairdressers too can be proxy counsellors, given the very close and trusting relationships they often have with their (especially female) clients. But their role in rural areas can be even more valuable. Some rural families may have only one car for the household, so they may only make it into town once a week. With such limited social contact, the time spent with hairdressers, grocers and early childhood nurses is very valuable in providing social support.
Supporting rural professionals
As mental health professionals we should be actively supporting these existing relationships between people who may be struggling and the “safe” professionals they already talk with. The Turnbull government’s reforms for mental health services announced in 2015 emphasised “our current ‘one-size-fits-all approach’ is not helping Australians […] as best it can”.
The reforms included moving towards a “stepped care model” where people receive varying levels of intervention and support depending on their level of need. For people struggling with emotional issues (but not a mental illness) or an actual (but unrecognised) mental illness, non-stigmatising community support where they are listened to and referred on as appropriate is exactly what they may need.
How can we support these professionals so they know what to do when someone opens up to them? There are a number of existing training programs, including the excellent Mental Health First Aid and Rural Adversity Mental Health Program.
And there is a precedent for providing such support – in the US state of Illinois hairdressers are being given training in domestic violence prevention because of the trusted relationship they have with their clients.
Some tips for supporting someone when they open up to you:
<ul>
<li>listen more than you talk</li>
<li>be non-judgemental</li>
<li>be aware of appropriate services to refer the person to</li>
<li>use open-ended questions (cannot be answered “yes” or “no”, such as “so tell me about …”)</li>
<li>encourage exercise, healthy eating, sleeping and socialising</li>
<li>be honest - be yourself</li>
<li>spend time with them</li>
<li>look after yourself.</li>
</ul>
Do not:
<ul>
<li>give advice (such as “when I am stressed, I have a glass of wine or two” or “go and have a nice flutter at the TAB, that always cheers me up”)</li>
<li>pressure them to “snap out of it”, “cheer up” or “get their act together”</li>
<li>avoid the topic</li>
<li>assume the problem will go away.</li>
</ul>
It’s important to encourage people and provide a sense of hope that “help is available”. Sometimes all they need is someone to listen.
Gene Hodgins is senior lecturer and Clinical Psychologist, Charles Sturt University and author for The Conversation. He can be contacted <a href="https://theconversation.com/profiles/gene-hodgins-322218" target="_blank">here</a>.
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