How Gen Z is buying property differently and smarter.

Getting into the property market has never been easy, but Gen Z is proving that with the right mindset and strategy, it’s still possible. Instead of waiting for the “perfect” home, many young Aussies are taking a smarter, more flexible approach and it’s paying off.

Let’s break down what’s really happening and why Gen Z is going “old school”.

The rise of the “Stepping Stone” strategy

For many Gen Z buyers, the first home isn’t the forever home, it’s a stepping stone. This means buying a property they can afford now, even if it’s not their dream home, and using it to build equity and move up the ladder later.

This approach helps them:

• Get into the market sooner
• Build wealth through capital growth
• Avoid being priced out in the future

Recent reports show that younger buyers are increasingly adopting this mindset, seeing their first purchase as a launchpad rather than a final destination.

Investment first, home later

Another growing trend is buying an investment property first while continuing to rent in a preferred location. This strategy, known as rentvesting, allows buyers to:

• Live in a location that suits their lifestyle
• Start building wealth through property
• Take advantage of rental income and tax benefits

Rentvesting is gaining popularity among Gen Z as a way to balance lifestyle and financial goals, especially in markets where buying a home to live in is out of reach.

Why this matters for you

Whether you’re a first-time buyer or looking to re-enter the market, there’s a lot to learn from Gen Z’s approach. They’re not waiting for perfect conditions they’re making the most of what they have and thinking long-term.

At FinancePath, we believe in helping everyday Australians find the right strategy for their situation. Whether that’s buying your first home, investing through your super, or exploring rentvesting, we’re here to guide you every step of the way.

Ready to take your first step?

You don’t need to have it all figured out. You just need a plan and the right support.

Let’s chat about your options and how you can get into the market with confidence.