How Aussie -Huis owners change properties into wealth – realestate.com.au

Younger Australians increasingly consider their homes not only as a roof over their heads, but as a potential vehicle to increase their wealth.

New research has shown that the real estate side, strategic debts and real estate-based income schemes embraced the use of their home as a financial tool for improving.

The Great Southern Bank No Place Like Home Report showed that slightly less than two -thirds of Gen ZZ owners are considering using their houses as a source of income.

This included changing their home into a real estate investment, renting out a guest room or running a company from home.

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Source: Great Southern Bank & The Clever Stuff 2025

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Great Southern Bank Chief Customer Officer Rolf Stromsoe said that the data reflected a generation shift in the younger Australians viewed the homeowner.

Many no longer saw their places of residence as just a place to live, but as a way to get financially ahead, Mr Stromsoe said.

“There is a proactive mentality among younger Australians,” he said. “They think of entrepreneurs about how they can make their house work harder for them.

“Having a home is both a personal milestone and a launch platform to build up wealth or to build a side.”

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Great Southern Bank Chief Customer Officer Rolf Stromsoe

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Renee Brown is one of those who recently bought a house with a view to changing an investment property at a certain point on the track.

The Supply Chain specialist and single mother said she wanted to keep her Central Coast at home as an investment if she had an upgrade and saw a financial possession for retirement.

“If we move or upgrade, we would keep this mansion as an investment because we are at a great location,” said Mrs. Brown, adding that she wanted to use the property to support her pension trips.

“I see this house supporting my pension plans and offering financial safety and security to the future of my daughter,” she said.

Source: Great Southern Bank & The Clever Stuff 2025

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Great Southern Bank noted that changing perspectives around the role of real estate when building wealth were influenced by high costs of living: many home buyers of Gen Zagen saw an investment possession as the only feasible step towards their dream home.

Many younger Australians would have had to deal with struggles that would only buy.

Almost half (47 percent) of the homeowners of Gen Z needed financial help from family or friends to buy their property, the bank reported.

This was money that they often had to repay: 44 percent of the respondents said they were planning to repay their parents as quickly as possible, 30 percent were intended to repay the funds with interest and 27 percent intended to repay at a later date.

Five percent of respondents who have received financial help said they cannot pay the money back.

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Source: Great Southern Bank & The Clever Stuff 2025

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The report noted that parents were usually willing to make large sacrifices to help their children get a leg on the real estate market.

Almost one in four parents surveyed said they would be happy that their children live at home forever. This figure rose to 40 percent among baby boomers.

Mr Stromoe said that this was a natural evolution in how families helped each other.

“It is no surprise that many Australians need a helping hand to get to the real estate market – but what is striking is how dedicated they are to pay back that support,” he said.

“That is reassuring news for parents who want to help their children buy a house, but not feel sure about making a financial gift … In many cases it is not a hand – out – it’s a handshake.”

How homeowners are planning to repay their parents

Source: Great Southern Bank & The Clever Stuff 2025

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Mrs. Brown said she had access to the Federal Home guarantee frame to buy her house with a smaller down payment, earlier.

Mrs. Brown started with $ 50,000 debts that she paid and saved a 10 percent deposit with the help of her broker. She also reduced costs for a year by living with family, raising her income and making lifestyle sacrifices, such as not eating out, canceled gym memberships, local holidays and free activities.

“Living with family for a year was a crucial part of my savings process,” she said.

“Such as changing work to increase my salary. My daughter and I also consciously adapted our lifestyle for the long -term profit to have our own house.”

Renee Brown with daughter Ariana and their dog Daisy.

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Mrs. Brown inspected a maximum of 15 properties each weekend and made bids on multiple-ending finding a safe, pet-friendly house that had checked all her must-haves.

Mrs. Brown offered some insight for others who navigate through the market.

“I think it is important for everyone who wants to buy a house, especially if they are not in the best or ideal financial position, to know that you can play the long game and eventually win,” she said. “It can take a few years, unlike a few months, but it is possible.”

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