Senator Pauline Hanson
One Nation Senator for Queensland

MEDIA RELEASE

ONE NATION TO GIVE RENTERS AND MORTGAGE HOLDERS A
3% SUPER PAY BOOST

7 September 2026

One Nation will give Australians paying rent or a mortgage the choice to take one quarter of their future compulsory super contributions as a tax-advantaged 3% pay boost for up to three years.

 

One Nation leader Senator Pauline Hanson said Australians were being smashed by Labor’s cost-of-living crisis and needed help now.

“People are working hard and still struggling to get ahead.

“Interest rates keep rising. Rents keep climbing. Groceries, power bills, petrol and insurance are taking more and more out of the family budget.

“Inflation is hurting Australian families and Labor’s economic incompetence is making life harder.

“One Nation wants to give people some breathing room.

“If you are paying rent or a mortgage on your home, One Nation will allow you to choose to receive one quarter of your future compulsory super contributions in your take-home pay for up to three years.

“Super is currently 12 per cent of your wages. Your employer will still pay the full 12 per cent.

“But if you take the boost, one quarter of this contribution will be paid directly to you by your super fund.

“And you won’t be slugged with your normal income-tax rate on it either.

“Unlike Labor, One Nation won’t use this as another excuse to tax you more. Your money will keep the same low tax treatment it would have received in super.

“You get more of your own money in your pocket when you need it.

“For a full-time worker earning about $90,500, that means around $2,300 a year after tax, or $44 a week, extra in their pocket.

“For a working couple earning $168,000 between them, it is about $4,300 a year after tax, or $82 a week, back in the family budget.

“That’s a real boost to help you pay the rent or the mortgage, leaving more room for groceries, power bills and the costs of raising a family.

“Your existing super won’t be touched. Not one dollar.

“This only applies to future contributions. If you take the boost, at least 9 per cent will continue going towards your retirement and the choice is limited to three years.

“Your employer does nothing differently. They keep paying the full 12 per cent into your super fund exactly as they do today.

“You make the choice directly with your super fund and they will administer the payment.

“If you want the full 12 per cent to stay in super, nothing changes.

“But if you are doing it tough now, paying a mortgage or rent, you should have the choice to use some of your own money to help stay afloat.”

One Nation MP and Treasury Spokesperson Barnaby Joyce said the policy recognised the reality facing working Australians.

“There’s no point telling a family they’ll be better off in retirement if they can’t afford the mortgage or their rent payment today.

“A good retirement starts with keeping a roof over your head.

“Labor calls your money in super a ‘national asset’. Jim Chalmers wants to treat it like it is his, when it most definitely is yours.”

ENDS

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HOW ONE NATION’S 3% SUPER PAY BOOST WORKS

What the super pay boost is

If you are paying rent or a mortgage on the home you live in, you can choose to receive one quarter of your future compulsory super contributions as tax advantaged take-home pay for up to three years.

Your existing super cannot be touched.

Who can choose it?

The choice will be available to Australians paying compulsory super who are paying:

• rent on the home they live in; or
• a mortgage on the home they live in.

It will not apply to investment properties.

You will establish eligibility directly with your super fund using simple evidence such as a lease, rental statement or mortgage statement.

A husband, wife or partner who genuinely contributes to the household’s rent or mortgage will also be eligible, even if their name is not on the lease or mortgage.

What happens to your super?

Your employer keeps paying the full 12 per cent compulsory super contribution exactly as they do today.

If you choose to participate:

• 9% stays in super for your retirement.
• 3% is paid directly to you by your super fund.

The policy only applies to future contributions. None of the super you have already saved can be withdrawn.

If you do nothing, the full 12 per cent continues going into super.

You keep the lower super tax treatment

The 3 per cent boost you choose to receive will keep the concessional tax treatment it would have received if it had stayed in super.

For most Australians, that means it will be taxed at 15 per cent rather than their higher personal income-tax rate.

You will not then be taxed again on the payment as ordinary salary.

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What the boost could mean for you

Example	Income	3% of wages	After concessional 15% tax
Median full-time worker	$90,500	$2,715 a year	About $2,300 a year or $44 a week
Family	$168,000 combined	$5,040 a year	About $4,300 a year or $82 a week
Individual	$120,000	$3,600 a year	About $3,060 a year or $59 a week
Family	$240,000 combined	$7,200 a year	About $6,120 a year or $118 a week

No extra work for your employer

Your employer does nothing differently. They keep paying the full 12 per cent into your super fund exactly as they do today.

No payroll changes. No applications to your employer. No new reporting requirements. No additional employment cost.

Your employer does not even need to know you have made the choice.

Your super fund administers the payments

Superannuation funds will be responsible for administering the policy.

You make the choice directly with your super fund, not your employer.

If you make the choice, your super fund will:

• confirm that you are paying rent or a mortgage on your home;
• receive the normal 12 per cent employer contribution;
• keep at least 9 per cent in super;
• apply the appropriate concessional tax treatment;
• pay the amount you have chosen to receive directly into your nominated bank account; and
• keep track of your three-year entitlement.

When your election ends, the full 12 per cent will automatically remain in super again.

Super funds already receive, tax, report and administer members’ contributions. This keeps the process with the institution already holding the money and keeps employers out of it.

Maximum three years

The choice is available for a maximum of 36 months in total.

You can stop earlier and return to having the full 12 per cent retained in super at any time.

Changing jobs or changing super funds does not restart the clock.

What does not change?

• The default remains 12% into super.
• There is no additional burden on employers.
• Your existing super balance remains untouched.
• If you choose the super pay boost, at least 9% of your wages still goes into super.
• Participation is your choice.