Helping Your Kids Into The Property Market Without Selling

With real estate prices at record highs, you might be part of a growing number of parents wanting to help their adult children buy their first home. 

Australian house prices have soared by over 50 per cent since 2019, pushing up a 20 per cent deposit requirement by $65,000 on average, according to loan comparison marketplace Mozo.

Mid-life parents face the challenge of providing financial support now, without selling assets like their family home, or disrupting their retirement investments.

So, how can financially astute folks strategically transfer wealth before their children receive an inheritance to give them a helping hand, while holding onto prized assets? 
Midkey’s revolutionary no monthly payments loan is one option, because it allows you to access home equity without selling, and it can create advantages for your home-hunting kids.

The intergenerational wealth transfer is reshaping Australia’s housing market. Discover the benefits of a well-timed Midkey loan here.

Why selling may not be the best option

For some Aussie families, ‘the bank of mum and dad’ can be the only financial option when first homebuyers are looking to make a purchase.

There is no denying parents are a powerful force in the property market, but that does not necessarily mean a financial gifting event is a stress-free one.

Many mums and dads eager to support their children believe that selling their home or another investment is the only way to free up capital if they are asset-rich, but cash-poor.

The downside of selling a property to release funds for your kids can mean:

• Disrupting existing lifestyle
• Letting go of future capital growth
• Giving up potential rental income
• Sacrificing your current lifestyle
• Minimising the security of ownership at a time when you value it most

Some of the upsides to holding onto your property are that you can: 

• Preserve your financial base
• Maintain the emotional connection to your home filled with memories
• Ensure your assets continue working for you and your family’s long-term future

What is intergenerational wealth transfer?

Intergenerational wealth transfer refers to the passing down of assets, investments, or financial support from one generation to the next. 

And over the next 20 years, up to $5.4 trillion is expected to be handed down from Baby Boomers to younger generations, according to JB Were’s The Bequest Report.  

It is touted as the largest intergenerational wealth transfer event in the nation’s history.

Traditionally, this wealth transfer has occurred through inheritance, but for mid-life Australian parents, leaving your kids with an inheritance is hopefully still decades away! 

This is driving many families to accelerate their wealth transfer and help their children earlier in life, often in the form of significant financial gifts for first homebuyers, or to help them upgrade to better homes that suit their growing needs.

Mozo research also revealed that in 2025, 75 per cent of parents it surveyed plan to offer money to children with no expectation of getting it back, and the average value of these gifts has grown to $74,040.

For younger Australians, this type of support is crucial for bridging the gap between the rising cost of housing and the savings they have managed to build. 

For parents who gift the full benefits of a Midkey loan, this offers an opportunity to provide tangible assistance while retaining full control of their hard-earned assets.

A smarter way to unlock equity without selling

Midkey offers a flexible alternative for asset-rich, cash-poor families who want to help their children into the property market without making major lifestyle or investment sacrifices.

Our no monthly payments home equity loan can be used as a second mortgage, giving you access to up to 30 per cent of the wealth you have built in your property, while protecting your cash flow. 

If you do not have a mortgage, you can borrow up to 35 per cent of your home’s value. 

Unlike traditional lenders, Midkey’s approach is asset-focused rather than income-based, making it more accessible to mid-life Australians whose earnings may be variable or who are planning for retirement.

How Midkey can help your children onto the property ladder

If you have older kids exploring home ownership or looking to upgrade, you might consider a Midkey loan for a variety of practical reasons. These can include: 

• Funding a deposit to accelerate their entry into the housing market
• Providing extra capital to make a move on a better property opportunity
• Covering costs like stamp duty, legal fees, or initial renovations to make a property move-in ready
• Bridging finance gaps when timing or cash flow issues arise
• Providing a family guarantee without needing to sell or restructure your existing investments

Whatever financial situation you find yourself in, by unlocking your home equity responsibly with Midkey, you can provide your children with a stronger start and keep your long-term wealth intact.

How Midkey’s no monthly payments loan model works

Midkey’s Australian-based Loan Specialists keep the process simple and transparent. 

Below is a breakdown of the borrowing process when you unlock home equity through our innovative loan solution: 

• Determine if you qualify – Check your eligibility and use our online Loan Calculator to see how much equity you could access
• Speak with our specialists – Our local team provides top-rating personalised guidance and they will explain all fees upfront
• Receive your loan offer – Based on your home’s value and available equity
• Access funds when you need them – Support your children without taking on debt with monthly repayment pressures

Unlike other lenders, with a Midkey loan there are no monthly payments to worry about and you decide when it makes sense for you to repay the funds.

Over the course of the loan, simple interest accumulates. When the loan is settled, a Deferral Fee is applied, which is an agreed proportion of your home’s increase in value during the loan term.

If your property does not increase in value, no Deferral Fee is payable, helping to limit your financial exposure.

Unlocking a living legacy: Elizabeth’s story

Elizabeth, a 60-year-old part-time carer from Brisbane, dreamed of helping her two daughters purchase more than a one-bedroom apartment to ensure they could keep living together.

Despite owning her home outright and an investment property, traditional loans offered little flexibility for Elizabeth due to their high interest and monthly repayment requirements, which meant she needed to increase her working hours to cover these.

Then she found Midkey – a discovery that transformed her options. 

“It has allowed us to live comfortably, while giving our daughter this wonderful gift and a big step-up in her homeownership journey. By helping her buy a better home, we have kept the girls together and have added value to the family’s property portfolio.” 

Read Elizabeth’s full story here. 

Start the conversation today

Your home is one of your most valuable financial tools. 

With the right approach, it can help your children achieve the dream of homeownership without requiring you to sell or change your lifestyle.

Help your kids act now and create a living legacy in their home ownership journey with our first-of-its-kind borrowing solution.