What if you could set your kids up for life—today?
While many parents save for their children’s future through traditional methods like high-interest savings accounts, trust funds, or education bonds, there’s one strategy that stands out: investing in property for them now.
Here’s how owning property today can create a life-changing financial foundation for your children’s future security and see them get a foot into the property market long before they’re thinking about their first home.
1. Property Values Increase Over the Long Term
Real estate is one of the most reliable long-term investments in Australia.
According to CoreLogic, national dwelling values have increased by 382% over the past 30 years, with an average annual compounding growth rate of 5.4% since 1992.
Even though property markets move through cycles of ups and downs, the long-term trend is undeniably upward.
For example:
- From 1992 to 2002, national property values grew by 77%.
- Between 2002 and 2012, they rose by 59%.
- Over the last decade (2012 to 2022), values increased by 72%.
The takeaway? Time in the market is more important than “timing the market.” Buying a property for your kids now allows the power of compounding growth to work in their favor.
2. Passive Income Can Fund Their Dreams
An investment property isn’t just about future value—it can generate passive income today.
By renting out the property, you can:
- Pay down the mortgage faster.
- Use rental income to support their education, hobbies, or future milestones.
- Set them up with a consistent income stream once they’re older.
Imagine your child turning 18 with a property that’s fully paid off or cash-flow positive. Instead of starting adulthood with debt, they’ll have an income-generating asset to fund their dreams.
3. Building Generational Wealth That Lasts
Investing in property now doesn’t just benefit your kids—it builds generational wealth that can support your family for decades.
Here’s how:
- Long-term appreciation: Over time, the property grows in value.
- Equity leverage: Your kids can use the equity to invest in other properties or ventures.
- A family legacy: Passing down property creates financial security for future generations.
For example, if you bought a property worth $500,000 today and it appreciated at the average rate of 5.4% annually, it could be worth over $2.4 million in 30 years.
Owning property now isn’t just about today—it’s about leaving a legacy of financial freedom for your family.
4. Protection Against Inflation
Inflation erodes the value of cash over time, but real estate is one of the few assets that outpaces inflation.
Here’s why:
- Property values generally rise alongside inflation.
- Rental income also increases with the cost of living.
In other words, real estate ensures your children’s wealth grows in real terms, protecting their financial security no matter what the economy looks like in the future.
“Owning property today gives your kids an inflation-proof head start.”
5. Early Property Ownership Creates Financial Confidence
Owning property is about more than financial growth—it’s about teaching your kids financial responsibility.
When you invest in a property for them, you give them a tangible asset to learn from:
- How mortgages and equity work.
- How to manage rental income and expenses.
- The value of long-term investing.
By the time they’re adults, they’ll have a clear understanding of how to leverage property for financial freedom—a skill that sets them apart for life.
6. Flexibility for Life’s Big Moments
Life is unpredictable, but owning property gives your family financial flexibility when it matters most.
For example:
- Your child needs funds for university? You can refinance the property.
- They want to start a business? They can leverage the equity.
- They’re ready to move out? They already have a home.
Property is a versatile asset that adapts to life’s milestones, providing your kids with options and security.
7. A Tangible Legacy They’ll Value Forever
Unlike stocks or savings accounts, real estate is tangible. Your kids can see it, touch it, and understand its value.
This creates a deeper emotional connection to the legacy you’re building:
- It’s not just numbers on a page—it’s a home.
- It’s something they can grow, rent, or live in.
- It’s a physical symbol of your love and forward-thinking.
By securing a property for them today, you’re not just giving them wealth—you’re giving them a foundation they can build on.
Don’t Wait to Give Your Kids a Financial Head Start
Owning a property for your kids isn’t about “spoiling” them—it’s about giving them financial security, confidence, and opportunities that will last a lifetime.
As CoreLogic’s data shows, property values trend upward over time. By buying today, you’re creating a legacy that benefits your children and future generations.
Ready to get started?
Investing in property for your kids today might just be the most life-changing decision you ever make.
If you’re serious about building a property portfolio for your family’s future, our boutique mortgage services can help you secure the right investment. Let’s plan your family’s financial legacy—starting today.