Affordability pressures are reshaping buyer behaviour in 2026. First-home buyers remain eager to enter the market, creating momentum, but many are compromising on location or property condition to do so. 22% of Australian respondents to a recent Canstar survey indicated that they plan to use family support (gifted funds) or other unconventional methods (e.g., shared deposits) to help them enter the housing market by 2026. Demand for off-the-plans and high-rise properties has declined significantly now due largely to delays in construction and questions regarding quality.
Key Buyer Trends for 2026
First-home demand: Eager FHBs are active, but often at the cost of compromises on features or location.
Quality vs price: Many buyers now shun off-the-plan or tower apartments because of delays and construction risk.
Family & shared support: It’s more common to tap parents, gift deposits or shared-equity schemes to meet down-payment needs.
Rentvesting & alternatives: With affordability tight, buyers are renting in better areas and buying affordable homes elsewhere.
Longer loans: 30-35 year mortgages are growing and affecting the number of buyers who pay per month versus how much they save up front.
Advice from a Buyer’s Agent
Act early, don’t wait. With interest-rate changes still possible, “waiting for the perfect time” can backfire. Secure financing approval now so you can move quickly on the right property.
Beware hidden risks. Very cheap new land or apartment deals often have a catch, dodgy contracts, delays or lower final yields. A good buyer’s agent will spot these issues and steer you to safer properties (quality houses or established developments) instead.
Strengthen your offer. Buyers today face fierce competition. Having pre-approved finance and clean conditions gives your bid more power. We help structure offers, so you stand out at auction or in bidding wars without overpaying.
Choose quality over just price. Compared to higher buildings, lower buildings will generally have a higher return on investment over time. Look in the areas around metropolitan centres that still offer strong infrastructure (Public transport, jobs and schools). You can find "Hidden Gems" through your real estate agent, and they will be able to help you get the most out of your property long term.
Get creative with financing. If family and friends cannot finance your home purchase, think of alternatives such as a shared-equity loan, co-buying with a spouse or significant other, rentvesting or other creative financing methods. We can also explain how to qualify for government support programs and determine which option may work best for your individual needs.
Buying a home in 2026 is about strategy, not luck. We at Key2Dreamz give you expert local knowledge and a clear plan across Sydney, Melbourne, and Brisbane that help clients find the right property safely and affordably.
Ready to take the next step? Call us at +61 439 260 917 or book a free consultation. Follow us on Instagram and LinkedIn for the latest tips and updates.