In closing, Ms Lloyd-Hurwitz says she has tried to "imagine a world in which we have done all the things we need to do" for a healthy housing market.
"That would be an Australia in which adequate housing can be accessed by households on all budgets," she says.
"Whether it's transition to appropriate housing that suits the different stages of life, renting would no longer be a stressful and insecure experience, generations of families would be able to find appropriate housing near each other, and lifelong community connections could be preserved.
"Our health budgets could be spent on preventing poor outcomes, rather than remedying the effects of housing insecurity.
"That would be an Australia in which our housing system would no longer fail many First Nations people.
"That would be an Australia where those of us who work in our stores, educate our children, serve our coffee, protect us, and look after us when we're sick could afford to live in the suburbs where they work, and our cities would be devoid of excessive commutes.
"That's an Australia that I would really like to see, and I'd really like to see it in my lifetime."