More Than Just a Home: Making Your Property Work for You

A home is more than a place to live - it’s where life unfolds. For many Australians, it’s also one of the ways to build long-term security.

We know that right now, with rising living costs and changing property values, owning or managing a home can feel challenging. But even small steps can help your home work smarter for you, whether through thoughtful spending, long-term planning, or strategic upgrades.

Building Positive Financial Habits

Owning a home often comes with a big commitment, like a mortgage. While repayments can feel like a burden, they can also help instil financial discipline through encouraging mindful spending and consistent saving over time. Even small, steady steps toward financial security can make a big difference.

Flexible Approaches: Rent-vesting

Home ownership doesn’t have to mean settling in one spot. Many Australians are now exploring rent-vesting, where they buy a property in one area while renting in another. The aim here being to balance lifestyle choices with long-term financial goals. Westpac research shows that over half of first-home buyers are considering this flexible approach.

Making Thoughtful Investments

Some homeowners look at ways to make their equity work harder. Strategies like debt recycling, which allows investment in tax-deductible assets, can be an option for those in a position to explore it - but always with professional guidance.

Small Changes, Big Impact

Even modest renovations or improvements can enhance both comfort and value. Whether it’s refreshing a living space or planning for the future, small upgrades can make a home more enjoyable today and more valuable tomorrow.

Using Your Equity Wisely

Equity is the difference between what your home is worth and what you owe. For some, accessing a portion of that equity can provide opportunities for further investment or financial planning. Again, with professional advice to ensure it’s the right move for your situation.

Your home is your sanctuary. And for many Australians, it’s becoming something more - a platform for possibility. As the property partner for every generation, Buxton helps people turn informed choices today into security and opportunity tomorrow.

Please note: The information above is general in nature and does not take into account your personal circumstances. Always seek professional financial advice before making investment decisions.

Westpac references: https://www.westpac.com.au/about-westpac/media/media-releases/2025/13-february/