Welcome to the first week of estimates, where the government’s spending will be put under a microscope and Penny Wong’s eyebrows get a work out – except now they are on the other side of the table.

There is no Senate sitting this week (or next) as the senators take up their chance to prod the government and departments about all sorts of things, which means no legislation will be passed for the next fortnight.

That leaves room for the house to get through some of its own business – namely the voice to parliament referendum legislation debate which will begin in earnest this week and will dominate the proceedings.

Because it is a debate over the voice referendum, there is no set time – anyone who wants a say gets one, and there are A LOT of MPs lining up to have their say. So expect those speeches to take up most of the week.

Anthony Albanese arrived back in Canberra late last night after his G7/Quad visit to Japan and he will be straight back into domestic issues – the referendum legislation is important to him, plus there is the one-year anniversary of his government to acknowledge and then there is the housing bill to get across the line.

So far, there has been no budge on the housing bill, with the Greens laying out their demands for more and the government not overly enthused with picking any of them up. But given the state of the housing market and that people are sleeping on mattresses in sheds, cars and tents – working parents and their kids, pensioners, young people, singles, you name it – this is not an issue where the government has a lot of political capital. People just want it fixed.

Independent MP Zoe Daniel will also introduce her private members’ bill later today to end gambling ads on broadcast TV and streaming – and she expects support from both sides of the chamber, given both leaders have spoken about the need to do something about gambling.

© Provided by The Guardian Independent member for Goldstein, Zoe Daniel. Photograph: Mick Tsikas/AAP

And the financial services minister, Stephen Jones, will officially announce the plans to regulate the buy now, pay later sector – that’s things like Afterpay and Zip. He is giving a speech to the Responsible Lending and Borrowing Conference where he will announce the BNPL services will be treated as a credit product – which means providers will need to have a credit licence and minimum standards of conduct.

It’s been a long time coming – BNPL schemes have seen a lot of people run into credit trouble – given there is not a lot you need to sign up beyond an email address – but Jones says they should be treated the same as credit cards.

So it’s a big week and a pretty big day. You have Paul Karp, Josh Butler and Daniel Hurst in Canberra, with Mike Bowers keeping us all up to date. You have me, Amy Remeikis with you for most of the day.

It is at least a three-coffee morning.

Ready?