Young Australians relying on the “Bank of Mum and Dad” to break into the property market could be significantly better off than their peers in the long run, according to new modelling from Your Future Strategy.

The analysis found that a 30-year-old buyer who receives financial support from family to enter the market earlier could be more than $500,000 ahead within 20 years of home ownership.

Your Future Strategy founder and managing director Gareth Croy said the timing of entering the market is becoming one of the biggest drivers of financial inequality between younger Australians.

“I’ve seen too many younger people doing the right thing and saving for their deposit, but the market is just running at a rate where they can’t keep up,” Mr Croy said.

“They’re just constantly chasing it, because the pricing is moving at a rate faster than their savings capacity.”

The modelling highlights the growing gap between those who can access family support and those trying to save independently while property prices continue to rise.

Mr Croy said even buyers expecting to receive generational wealth later in life may still fall behind if they are unable to enter the market early enough.

For many Australians, property ownership remains one of the biggest contributors to long-term wealth creation, making timing increasingly important.

The conversation also raises broader questions around housing affordability and the long-term impact of intergenerational wealth on Australia’s property market.

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This article was published on realestate.com.au on May 8th 2026.

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