New Investment Approach for Australian New Homebuyers

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

Recent statistics have highlighted a notable shift in the strategies Australian first-time homebuyers are using to infiltrate the challenging property market.

Analysis of 2023's purchasing trends indicates an emerging investor mentality among new buyers.

According to the latest insights from the Lendi home loan network, 20% of first-time property acquisitions were made with a clear investment intention, renting out newly bought homes instead of occupying them. This phenomenon, known as 'rentvesting,' exhibits the increasing financial savvy of new entrants to the housing market.

Mortgage experts confirm that a significant portion of these buyers are prioritising their current way of life, opting to reside with family or lease in preferred locales while investing in more affordable areas. This strategy has particularly taken hold in Queensland, which reported a sharp increase in first home buys at the commencement of this year, likely boosted by recent government incentives.

The prevalence of rentvesting was uneven across the states, with New South Wales leading at 30%, Queensland at 26%, and Victoria close behind at 20%. The trend was less common in Western Australia and South Australia, registering only 10 and 7 percent, respectively. Intriguingly, the start of 2024 saw Queensland sprint ahead as 45% of all property deals in January were first home purchases.

The noticeable upswing in Queensland comes on the heels of the state government's decision to increase First Home Buyer grants to $30,000. This drawcard may well have accelerated the 'rentvestment' strategy as a feasible option for many Young Australians.

Exploring further nuances, Lendi's research uncovered that some first home buyers are pooling resources, with at least six percent of acquisitions involving three or more loan applicants, aimed at mitigating financial stress.

Financial creativity did not stop at group purchasing; there's also been a doubling in guarantor loans, where the backing, typically from family members, provides the requisite security for loan approval. With the aid of a guarantor, deposits averaged considerably lower, at around $38,000, demonstrating an alternative pathway into homeownership.

This report paints an evolving picture of a generation of Australians determined to carve their heritage in real estate through more inventive avenues, reflecting a growing adaptability in response to a transforming market landscape.

Published:Monday, 25th Mar 2024
Source: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

Share this news item:

Finance News

Harley-Davidson Explores Sale of Financing Unit Stake

18 Dec 2025: Paige Estritori

Harley-Davidson, the iconic American motorcycle manufacturer, is reportedly in discussions to sell a stake in its financing unit, Harley-Davidson Financial Services (HDFS). This move could have significant implications for motorcycle financing options available to consumers. - read more

Peter Stevens Motorcycles Faces Financial Crisis

18 Dec 2025: Paige Estritori

Peter Stevens Motorcycles, a cornerstone of Australia's motorcycle retail industry since 1970, has entered voluntary administration, revealing debts exceeding $65.9 million. This development casts uncertainty over the future of the company's 400 employees and its extensive customer base. - read more

ASIC's Findings on Motor Vehicle Finance: A Call for Reform

10 Dec 2025: Paige Estritori

The Australian Securities and Investments Commission (ASIC) has recently conducted a comprehensive review of the motor vehicle finance sector, uncovering significant issues that have raised concerns about consumer protection and industry practices. - read more

KTM's €600 Million Lifeline: A New Chapter for the Austrian Motorcycle Giant

10 Dec 2025: Paige Estritori

In a significant development for the motorcycle industry, KTM AG has successfully secured €600 million in funding, enabling the company to fulfill its restructuring plan and stabilize its financial position. - read more

Click for more Finance News

Bike Loans Articles

The Pros and Cons of Secured vs Unsecured Motorcycle Loans

When it comes to hitting the open road on a new motorcycle in Australia, securing the right loan can significantly impact your financial journey. Motorcycle loans are an essential tool that can help you purchase your dream machine. However, understanding how to navigate these loans can make a world of difference in both your purchase process and your long-term financial health. - read more

The Ultimate Guide to Financing a Motorcycle in Australia

Financing a motorcycle in Australia can be a helpful option for individuals who want to own their own bike but may not have the immediate funds to do so. Motorcycle financing allows you to spread out the cost of the purchase over a period of time, making it more affordable and manageable. - read more

Pros and Cons of Buying a New Motorcycle vs a Used One in Australia

If you’re considering purchasing a motorcycle in Australia, one of the critical decisions you'll face is whether to buy a new or used one. This decision can significantly impact your finances, so making an informed choice is paramount. - read more

Motorcycle Financing 101: How to Save Smart and Borrow Wisely

Imagine the thrill of cruising down Australia's scenic coastlines or thundering through its vast outback with nothing but the open sky above and the roar of the engine beneath. This dream of bike ownership is an alluring prospect for many, promising a sense of freedom that is hard to find elsewhere. - read more

Start Here

Knowledgebase

Interest Rate Lock:
An agreement between a borrower and a lender that allows the borrower to lock in the interest rate on a mortgage for a specified time period.

This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.

IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.

New Investment Approach for Australian New Homebuyers

New Investment Approach for Australian New Homebuyers

Share this news item:

Find Your Bike Loan Here.