australians falling behind in mortgage repayme

http://www.abc.net.au/news/2013-12-17/mortgage-arrears-continue-despite-record-low-rates-fitch/5160454

What is the reason for this ?

Interest rate is down .
How is the unemployment rate going to effect the housing market?

Are we likely to see a rise or fall in house prices in the coming 2-3yrs ?

What can the government do to keep the investors happy and at same time make it possible for some to buy own home at a more affordable price ?
Neg Gearing, or, more handouts to first home buyers , increase the centre link allowance to match the increase in rent ?

Your guess is as good as mine,