Let’s face it- getting into the property market has never been easy, but right now it feels like first home buyers are being hit from every angle: rising rents, high property prices, and fierce competition from seasoned investors and downsizers.
But there’s a growing strategy that’s helping first-time buyers get ahead without sacrificing their lifestyle: rentvesting.
So, what is rentvesting?
Rentvesting simply means buying where you can afford, and renting where you want to live.
Instead of compromising on location (or sitting on the sidelines entirely), many first home buyers are choosing to purchase an investment property in a more affordable area—often regional or interstate—and continue renting in their preferred suburb close to work, family or lifestyle.
And it’s gaining momentum for good reason.
The numbers tell the story
According to the latest data:
Over 8,200 first home buyer investment loans were written in 2024—12% more than the year before.
In the March 2025 quarter, FHB investor loans totalled nearly $955 million—a massive jump from $659 million in the same quarter of 2020.
A recent Westpac report found 54% of first home buyers are now considering rentvesting, with NSW leading the way (61%), followed by VIC (54%) and QLD (52%).
Why? Because it makes financial sense. In cities like Sydney or even parts of Melbourne, you could be paying $800–$900 a week in rent. But to buy the same property? Expect repayments closer to $1,700 a week. For many, that’s just not viable.
Why rentvesting works
✅ Affordability – You can buy in a growth corridor or regional area with a lower entry price.
✅ Cashflow – Rental income helps offset your mortgage, especially if you buy well.
✅ Lifestyle – You don’t have to give up living in the area you love (close to cafés, work, or the beach).
✅ Wealth creation – You start building equity in the market sooner, rather than waiting years to save a deposit for your dream home.
A shift in mindset
What I’m seeing more of in our office at Mynt Financial is a mindset shift. First home buyers today are incredibly savvy. With access to better data, property insights, and finance tools, they’re no longer guessing. They’re planning- and strategically.
Instead of seeing their first property as their “forever home,” they’re starting to view it as a launch pad for future wealth.
Is rentvesting right for you?
Rentvesting isn’t for everyone. It depends on your financial goals, income, risk profile, and long-term plans. But it’s definitely a strategy worth exploring—especially in today’s market.
With interest rates showing signs of easing and lending capacity potentially increasing, getting your foot in the market now (even in a different postcode) could be the smartest move you make.
Want to explore if rentvesting could work for you?
Book a free chat with me and the team at Mynt Financial. We’ll walk you through your options, borrowing power, and a personalised plan to get you on the property ladder sooner, not someday.
Josh Bartlett – Director of Mynt Financial
Disclaimer: The information provided in this article is general in nature and does not constitute financial advice. You should consider your individual circumstances and seek advice from a qualified mortgage broker, financial adviser, or tax professional before making any decisions.
