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It was based on one of the key findings of the David Murray-led financial systems inquiry in 2014, which found that leverage should be banned in superannuation funds to mitigate the risk of financial instability. The Government rejected "This has been growing exponentially," Mr Bowen said. "There was $2.5 billion in borrowing in 2012 it's now $24 billion today. "And this is the only recommendation in the Murray Report which the Government has explicitly rejected and really that is just negligent." Investor tax proposal The Opposition is also backing a uniform tax across major cities to deter investors from leaving properties empty, as has been introduced in Victoria. Mr Bowen said that would continue to be a state-based tax. "We want the states to continue to receive the revenue and we think ideally, if the states are willing, it would be something best done uniformly across the country, for consistency's sake," he said. "So we'd be happy to facilitate a COAG process for that." Mr Bowen said people were entitled to leave houses vacant but this would be a price signal that that did not help housing affordability. Foreign investor penalties Another component in the plan would be anchor Opthalmologist mortgage an increase to fees and penalties for foreign investors. "The total of foreign investment in Australian real estate is still comparatively small, but it's growing at a rapid rate," Mr Bowen said. "So together again with surcharges and stamp duty that most states have put on, this could play a role in sending the property market a signal." Labor has confirmed it is on a unity ticket with the Government when it comes to setting up a bond aggregator to encourage investment in affordable housing. "We're just confirming that if they don't do it, a Labor government will do it," Mr Bowen said.