https://img.youtube.com/vi/OnnYaz6XGLE/maxresdefault.jpg
720
1280
Senator Malcolm Roberts
https://www.malcolmrobertsqld.com.au/wp-content/uploads/2020/04/One-Nation-Logo1-300x150.png
Senator Malcolm Roberts2023-10-25 08:21:552023-11-03 14:20:50Cheaper Electricity Bills Anyone?SPEECHES
Malcolm’s latest Speeches to Parliament
SOCIAL MEDIA
Latest posts from Malcolm’s Facebook and Twitter
I wanted to get some straight answers about the government’s 5% deposit scheme, because to me, it looks like risky lending at the taxpayers' expense.
APRA have previously said that loans with a 95% value ratio are high-risk. I asked how they reconcile that with a government scheme that encourages this exact behaviour. They admitted that high-ratio lending is "more risky" and they are watching it closely.
I’m worried about what happens if property prices drop by 10 or 20%. If people fall into negative equity, the taxpayer is underwriting a huge chunk of those losses. APRA ducked out of giving a specific answer on the scheme itself, however insisted their "stress tests" for the overall banking system are even more severe than the scenarios raised.
I asked: was the Treasurer warned about the scheme’s risks? They told me they gave some advice to Treasury early on about mortgage insurers, but nothing specifically to the Treasurer. They will provide me with a copy of that advice on notice.
I questioned APRA as to whether this scheme follows their own sound risk management standards. They replied that they don’t "opine" on government policy, however confirmed that they’ll expect banks to hold the same amount of capital against these loans as any other high-risk product.
Finally, I asked if they would publish stress test results specifically for this 5% scheme. They stated that their stress tests are "much broader than any one government policy" and that they are "not aware of a stress test" planned for this specific scheme.
APRA knows these loans are risky and are tiptoeing around the topic.
... See MoreSee Less
- Likes: 126
- Shares: 7
- Comments: 17
Push for details as much as possible. I think you will find it’s more risky then there are being honest about .
So risky. Great government that puts new home owners under this pressure 😡
2% for single women, the same it's been for indigenous loans for a long time. How is that working out? What happens when the single woman isn't single after a couple of months?
Surely these 5% deposit loans are also paying a higher interest rate to factor in too
The subprime financial crisis 2.0 in the making?
So true , Labor closed the previous LNP government's policy allowing access to your own superannuation to fund a 10 or 20 percent deposit which makes low risk financial scence for first home buyers , yet they encourage 5 percent deposit which is much higher risk 🤔
Labor push up the rents and then blame everybody who held down a job
Well done, Senator Malcolm Roberts we need more like you like Pauline Hanson my Bernardi. We need these people to ask the hard questions. Liam Bartlett is a great reporter I only mentioned him off the top of my head because I find nearly all of the Fox News team exceptional. Any others just really good. I suppose we need real questions asked and real answers given answers cannot be given in some form of retribution has to be taken against these people that withhold public information.
ON a helping young home buyers again - NOT
It am banks have a 3% buffer on top of the loan interest rate at the time to allow for changes in rates. Does the government do the same ?
Well said one nation 💯 I be voting for one nation before we lose our country like UK
Come catch Malcom! By design everything is by design! These people are going to get caught out! The government will bail them out with a catch! They get equity and spare room access! It’s been written for years, it will happen and most likely a spare bedroom tax on the rich! Just like digital ID, currency and ai surveillance and it will prob happen before 2028.
So glad to have someone like you in Government. Thankyou!!!
Push this issue, senator Malcolm Roberts.
Shut the fuck up you old, entitled cunts.
It’s all a big scam, can’t trust the labor criminals
Good on you Malcolm..more integrity than all labor greens etc put together..we need rid of putrid commo assholes.
The UN finally admitting they have fabricated scary climate stories to get nations to act.
The insurance industry used the concocted scare stories to jack up your insurance insurance premiums.
UN climate fraud has two aims:
1. Wealth transfer from we, the people to major globalist corporations & to UN,
and,
2. Control of every aspect of people’s lives through UN Agenda 21 “Sustainable Development Goals“ - another BS UN global anti-Human program.
... See MoreSee Less
Well done Malcolm fir speaking out about this corrupt UN
Just like you use concocted scare stories to jack up support.
The walls are starting to crumble.
Then create a Federal insurance scheme.
Posting conspiracy memes is hardy siting a reputable source, but Gramps here, never lets facts get in the way of a good delusion.
💯
Of course it was a scam and one that a lot of countries are still going ahead with . It’s time to round up these globalist psychopaths and prosecute them for crimes against humanity . Just how far are the authorities going to let them get away with. ?
Politicians should retire at seventy
So will insurance premiums be reduced.....not on your Nellie!!
LandWater
Greg Varady-Szabo, Shane Mole
i have been saying this since climate change was called the hole in the ozone layer. i am just old enough to have a vague memory of the acid rain that melted everyone's face off. how has everyone not worked out the un is run by satan in human form
Like ON fabricating scary stories that they have some say in politics.
Most of us remember how far back this climate propaganda goes back. It started with the Ozone layer and I’m pretty sure that was back in the 90’s. Our ozone layer still looks pretty good to me! Then the icecaps were melting. Yes they are melting but not like how they make them out to be. Now climate change. They’re right, the climate changes 4 times per year in most countries. Australia, especially CQ through to central WA upwards, the climate changes twice per year. Now to the nitty gritty of changing climate. The Earth’s plates are on the move. Naturally as the plates move, the climate will change depending on where the plate stops moving. Australia is moving 7cm North per year. That may not sound like much, but this when countries can be torn apart and 7cm per year is considered a lot although we’ve been on this move for about 45 million years now. Where will we stop?? When we hit China maybe! 🤷🏼♀️ Australia has been drifting north at a rate of roughly 7cm per year for about 45 million years. This journey began when the continent broke away from Antarctica and started riding the Indo-Australian tectonic plate northward.This continuous drift makes Australia the fastest-moving continental landmass on Earth. Because the movement is so significant over time, it gradually causes coordinates used in mapping and GPS networks to fall out of sync with reality. For example, a discrepancy of more than \(1.5\) meters prompted the Australian government to officially shift national GPS coordinates to realign with global positioning systems. But they’ll come up with more BS propaganda to try and install fear in us all. Don’t buy their BS!! Btw, America has never been to the moon! The mountain in the background of the old black and white footage was found in Arizona.. the exact same mountain. Pssst.. the moon doesn’t have mountains, it has inverted craters!
Bullshit Stumpy. Trumps Hormuz fuck up has sparked the greatest global push for energy independence through renewables yet. Suck it up troglodytes. 🐐
Agenda 20/30 can someone repost the link for all to read?
Should we not be able to sue them for damages???
Now can we get away from these UN grubs
Draining everyone's pockets before depop
Perhaps you should learn to read Malcolm, the outlook has changed due to new renewable power generation having an effect instead of just fossil fuel power generation, maybe that's all a bit heavy for you though
Time the globalists are held to account. There needs to be a world wide Indi pendant Court to handle this. One that isn't controlled by the cabal
Do we need Prof Cox to tear your arguments apart again?
Stop spreading misinformation ya d*ckhead
Except your whole story is yet another giant conspiracy theory, you can’t help yourself.
Why did the Clean Energy Regulator appoint the Clean Energy Council, a private industry lobby group, as the product listing body for solar panels under the small scale renewable energy scheme? 👀 ... See MoreSee Less
Got to give him credit for actually answering the question… unlike others who” take it on notice “ but sounds like a word salad that says we are looking after our mates..
A circus made to go around, circle the wagon until the money cannot be traced.
another 1 being questions is taking it out on his pen..been a few lately doing this.
There needs to be an independent audit performed.
They have a fiduciary duty to the people - transparency being 1 of 11.
They write the rules so they can rort the system
Thank goodness you are here Malcolm Roberts!!
Senator Malcolm Roberts. RCP 8.5 is being dropped from climate modeling because it is no longer considered a plausible scenario for future greenhouse gas emissions. Developed more than two decades ago as part of the Representative Concentration Pathways (RCPs), RCP 8.5 represented an extreme high-emissions trajectory, assuming a world heavily reliant on coal with minimal climate policy intervention, projecting around 5°C of warming by 2100. Over time, however, empirical observations and energy trends have diverged from these assumptions—renewable energy, natural gas, and nuclear power have grown, while coal use is not expanding at the levels assumed. Research demonstrated that such a coal-dominated, high-emissions pathway was unrealistic from the outset. The scenario became embedded as the "business-as-usual" case in climate research, policy, and financial planning, despite being implausible. Its persistence led to a significant overemphasis on worst-case outcomes in both scientific publications and public discourse. The Coupled Model Intercomparison Project's seventh phase (CMIP7) officially eliminated RCP 8.5 (and its CMIP6 successor SSP5-8.5) from the standard set of climate scenarios, acknowledging that high-end emissions projections are now inconsistent with observed trends and modern energy transition dynamics. This change reflects a major correction in climate modeling to align scenario inputs with realistic socio-economic and energy developments, rather than policy-driven effects. In summary, RCP 8.5 is retired because it was never a likely future: its assumptions about energy use and emissions have been empirically invalidated, so continuing to use it risks misleading research, policy, and public understanding.
"Why did the school ask the maths teacher to mark the maths tests?" That's basically the question. The Clean Energy Regulator still runs the scheme. It didn't hand control to the Clean Energy Council. It appointed them to maintain the approved product lists because they've already been assessing solar panels, batteries and inverters for years and have the technical systems in place to do it. The Regulator still sets the rules and audits compliance. � Clean Energy Council +1 Malcolm's question only sounds suspicious if you leave out the part where the Clean Energy Council has literally been doing this type of product assessment work for years.
The moment they mention “under the law”or “is entirely legal” or in the “legal framework”, it quickly translates into; They’ve spent a ton of money with lawyers exploring the very edges of the grey areas of the legal framework and formed their “policies” in those dark corners, definitely not in the good faith of the law, but a poofteenth of a maybe it’s legal and they’ll use even more taxpayer dollars to tie it up in court forever if they get caught out (While that is happening they’re getting their own way)
Smells of brown paper bags full of cash. Jobs for the mates
Excellent work Senator Roberts
Sounds like jobs for the boys.
If the ah and ums were taken out of this ,it would of only taken 30 seconds
Keep up the good work!
Join the government it’s the only way to get super rich In a few months
What a handball
The whole thing is there’s nothing clean about renewable energy. In fact it’s worse than all the other energy sources that we had previously.!!!🙄
Yep and tariff only applies once a year now , redundant
Very fishy 🧡🧡🧡
Is a job for the boys
What the hell, what do these guys actually do
The system ensures redundancy as it requires manufacturers to pay to maintain a products “currency”. When manufacturers launch new models they don’t continue to pay currency for the old models so they become non compliant - Powerwall 2 case in point
Corruption even under the law does not mean it was not corruption
he Current Laws and Treaties Gates's Network Has Influenced The Future Made in Australia Act The Mechanism: This massive legislative package serves as Australia’s direct answer to the U.S. Inflation Reduction Act. Federal Energy Minister Chris Bowen has openly cited data and investment logic aligned with Breakthrough Energy Ventures (BEV) to justify these multi-billion-dollar subsidies. The Play: The law legally locks in billions in taxpayer funded "production tax incentives" for green hydrogen and critical minerals processing. Gates's portfolio is heavily stacked with companies that require exactly these kinds of domestic processing laws to survive commercialization (such as his investments in next-gen lithium refining tech). The International "Mission Innovation" Inter-Governmental Frameworks The Mechanism: At the legislative and treaty level, Australia legally bound itself to "Mission Innovation"—a global pact designed alongside Gates's Breakthrough Energy Coalition. The Play: This framework dictated how the Australian government restructured the legal mandates of ARENA (Australian Renewable Energy Agency) and the CEFC (Clean Energy Finance Corporation). Instead of deploying existing commercial tech like basic solar panels, Australian law was shifted to require these agencies to act as high-risk venture capital funds, effectively using public tax dollars to absorb the early financial risks for technologies Gates invests in. State-Level Sovereign Wealth Alignment (e.g., Breakthrough Victoria) The Mechanism: Individual Australian state laws established government-backed investment bodies designed to mimic Gates's venture model. The Play: In late 2024, Victoria's state-owned investment vehicle, Breakthrough Victoria, co-invested millions alongside Bill Gates's Breakthrough Energy Ventures into Type One Energy, an American company trying to commercialize stellarator-based nuclear fusion. State law was leveraged to channel public funds into highly speculative, long-term energy bets that directly benefit Gates’s co-investment syndicates. The Future Laws Gates’s Apparatus Is Actively Targeting Aviation Fuel Mandates (Aviation White Paper & Fuel Standards Legislation) The Target: Breakthrough Energy is pushing hard for Australia to mandate a Sustainable Aviation Fuel (SAF) mandate for all domestic flights. The Play: Gates is heavily invested in companies converting alcohol and waste into jet fuel. If his policy arms can successfully lobby the Australian government to pass a law requiring airlines to use a minimum percentage of SAF (similar to laws rolling out in Europe), it creates a legally captive, non-negotiable multi-billion dollar market for BEV's fuel-tech portfolio. The National Greenhouse and Energy Reporting (NGER) Act 2007 (Contrail Regulation) The Target: Breakthrough Energy has a dedicated, internal Contrails Team that develops proprietary AI software to predict and avoid high-climate-impact contrails (the cloud-like vapor trails left by planes, which trap atmospheric heat). The Play: The future goal here is to get aviation regulators like Airservices Australia and the federal government to amend the NGER Act or civil aviation regulations to legally count contrails toward an airline's carbon footprint. Once contrails are legally classified as a measurable pollutant, airlines will be legally forced to adopt the exact tracking and mitigation software Gates’s team has already patented. Overhauling Mining and Subsurface Rights for "White Hydrogen" The Target: State and federal mining laws (Petroleum and Geothermal Energy Acts). The Play: Breakthrough Energy is tracking investments into "White Hydrogen" (naturally occurring hydrogen trapped underground). Currently, Australian mining laws are incredibly messy regarding who owns naturally occurring gases that aren't traditional fossil fuels. Gates’s policy network is quietly supporting a push to rewrite subsurface property and extraction laws across Australian states to ensure that extraction rights for naturally occurring hydrogen are fast-tracked, highly profitable, and protected from traditional oil and gas blockades. Your a fucken weasel #AnthonyAlbanese
BREAKING: YouTube has suddenly banned me from uploading, posting or live streaming for two weeks
The reason given is dozens of videos, some more than 6 months old, that have only now been flagged as an issue.
This includes multiple videos calling for a COVID Royal Commission.
Thank you for meme, David
I co-signed the Digital ID Repeal Bill alongside Senators Antic, Babet, Canavan, Hanson and Rennick, which was introduced into the Senate earlier today.
This Bill aims to repeal the government's dystopian and ill-conceived Digital ID Bill.
What everyday Australians need is a… https://twitter.com/i/web/status/1805872597449818132
2 years ago I promised to hound down those responsible for the damage our COVID measures caused to Australians.
Today, in company with Senators Antic, Canavan, Rennick and O'Sullivan, a Bill was introduced to immediately commence a Senate Select Commission of Inquiry into our… https://twitter.com/i/web/status/1805533759519048180
Australia declared the most expensive country for housing in the English speaking world.
Ban foreigners buying houses and cut immigration now!
ALL NEWS
Malcolm’s press releases, speeches and other stories
https://img.youtube.com/vi/OnnYaz6XGLE/maxresdefault.jpg
720
1280
Senator Malcolm Roberts
https://www.malcolmrobertsqld.com.au/wp-content/uploads/2020/04/One-Nation-Logo1-300x150.png
Senator Malcolm Roberts2023-10-25 08:21:552023-11-03 14:20:50Cheaper Electricity Bills Anyone?
CCP Office in Sydney? Nothing to See Here!
October 2023, Senate Estimates
Evasive CASA Witness Faces Estimates Grilling
October 2023, Senate Estimates
Time to Cancel Snowy Hydro
October 2023, Senate Estimates
Home Affairs Collaborated with Social Media During COVID
October 2023, Senate Estimates
Distinguished Service Medals Might Be Illegal
NationalMEDIA RELEASES
Malcolm’s latest media announcements
Pages
Malcolm’s Fight
Casual Coal Wage TheftFebruary 21, 2024 - 2:09 pmOver $30,000 a year being stolen, and it’s been signed off by the union and the government. Find out about the largest wage theft from casuals in Australia.
My Other IssuesFebruary 16, 2021 - 12:08 pm
Murray Darling BasinMarch 23, 2020 - 3:05 am
Foreign OwnershipOctober 16, 2019 - 4:58 am
Property rightsOctober 16, 2019 - 4:39 am
United Nations #AUSEXITOctober 16, 2019 - 2:31 am
Categories
- April 2022
- Assets
- Budget 20-21
- Climate Change
- COVID
- Digital Identity Bill
- Energy
- Events
- February 2022
- Foreign Ownership
- Hybrid Bradfield
- Industrial Relations
- Infrastructure
- March 2021
- May/June 2021
- Media
- Media Release
- Murray Darling Basin
- National
- October 2021
- October 2023
- Podcasts
- Property Rights
- Queensland
- Senate Estimates
- Senate Inquiry Public Hearings
- Speeches
- Uncategorized
- United Nations
- Water


