--- title: Supporting the Next Generation into Property description: Discover strategies for next-generation lending, helping families support adult children entering the property market while maintaining financial stability and fostering long-term wealth planning. image: https://www.altusfinancial.com.au/hubfs/Supporting%20the%20Next%20Generation-1.png --- [![Logo](https://www.altusfinancial.com.au/hubfs/Logo.svg "Logo")](https://www.altusfinancial.com.au/) - [![](https://www.altusfinancial.com.au/hubfs/1.%202017%20Assets/Dark_Phone.svg)](tel:+61289083444) [![Talk with us](https://no-cache.hubspot.com/cta/default/512115/6a87cb2e-17ae-43a1-93c7-da9582e08c36.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/6a87cb2e-17ae-43a1-93c7-da9582e08c36) ##### Accounting & Business Services ##### Wealth Services ##### Lending Sources ##### [Need Real-life Advice?](https://www.altusfinancial.com.au/request-a-consultation) [![Talk with us](https://no-cache.hubspot.com/cta/default/512115/6a87cb2e-17ae-43a1-93c7-da9582e08c36.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/6a87cb2e-17ae-43a1-93c7-da9582e08c36) [![page-1 (5)](https://www.altusfinancial.com.au/hubfs/page-1%20(5).svg "page-1 (5)")](https://www.altusfinancial.com.au) - ![](https://www.altusfinancial.com.au/hubfs/Assets%20Jan%202019/Images/group-14%20(1).svg)![](https://www.altusfinancial.com.au/hubfs/Assets%20Jan%202019/Images/group-17%20(1).svg) - ##### MENU - [![](https://www.altusfinancial.com.au/hubfs/Assets%20Jan%202019/Images/phone-call%20(6).svg)![](https://www.altusfinancial.com.au/hubfs/Assets%20Jan%202019/Images/phone-call-2.svg)](tel:1300832962) - ##### MENU [![Talk With Us](https://no-cache.hubspot.com/cta/default/512115/11099956-4246-4311-83f2-64fc6560f370.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/11099956-4246-4311-83f2-64fc6560f370) - [![](https://www.altusfinancial.com.au/hubfs/Assets%20Jan%202019/Images/phone-call-2%20(1).svg)](tel:+61%202%208908%203444) - ![](https://www.altusfinancial.com.au/hubfs/close.svg) CLOSE - [Instagram](https://www.instagram.com/altus_financial/) - [LinkedIn](https://www.linkedin.com/company/2339369/admin/) - [Facebook](https://www.facebook.com/AltusFinancial/) - [Business (242)](https://www.altusfinancial.com.au/blog/topic/business) - [Strategy (150)](https://www.altusfinancial.com.au/blog/topic/strategy) - [Wealth (143)](https://www.altusfinancial.com.au/blog/topic/wealth) - [Super (56)](https://www.altusfinancial.com.au/blog/topic/super) - [CFO (48)](https://www.altusfinancial.com.au/blog/topic/cfo) - [Growth (38)](https://www.altusfinancial.com.au/blog/topic/growth) - [Business Succession (25)](https://www.altusfinancial.com.au/blog/topic/business-succession) [![Helpful Resources](https://no-cache.hubspot.com/cta/default/512115/11b7293b-309b-4f1b-af85-27ec1dd19a35.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/11b7293b-309b-4f1b-af85-27ec1dd19a35) Request a Consultation - Close![](https://www.altusfinancial.com.au/hubfs/Assets%20Jan%202019/Images/close%20(3).svg) ## Request a Consultation - [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth) - [Family Office](https://www.altusfinancial.com.au/blog/topic/family-office) - [Families Who Thrive](https://www.altusfinancial.com.au/blog/topic/families-who-thrive) # [The Great Wealth Transfer](https://www.altusfinancial.com.au/blog/the-great-wealth-transfer) Why the next decade will refine how families think about wealth Across Australia, we are entering one of the most significant financial shifts in modern history. Over the next two decades, an estimated trillions of dollars in wealth will transfer from one gene..... ###### Altus Team #### Latest Posts [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Family Office](https://www.altusfinancial.com.au/blog/topic/family-office), [Families Who Thrive](https://www.altusfinancial.com.au/blog/topic/families-who-thrive) ##### [The Great Wealth Transfer](https://www.altusfinancial.com.au/blog/the-great-wealth-transfer) [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Super](https://www.altusfinancial.com.au/blog/topic/super), [Tax](https://www.altusfinancial.com.au/blog/topic/tax) ##### [Division 296 tax: what high-balance super members need to do now](https://www.altusfinancial.com.au/blog/division-296-tax-what-high-balance-super-members-need-to-do-now) [Business](https://www.altusfinancial.com.au/blog/topic/business), [FBT](https://www.altusfinancial.com.au/blog/topic/fbt), [Accounting](https://www.altusfinancial.com.au/blog/topic/accounting) ##### [Common FBT Questions and Answers](https://www.altusfinancial.com.au/blog/common-fbt-questions-and-answers) [Super](https://www.altusfinancial.com.au/blog/topic/super), [Business](https://www.altusfinancial.com.au/blog/topic/business) ##### [Pay Day Super Is Coming: What SMEs Should Be Doing Now](https://www.altusfinancial.com.au/blog/pay-day-super-is-coming-what-smes-should-be-doing-now) [Lending](https://www.altusfinancial.com.au/blog/topic/lending), [Families Who Thrive](https://www.altusfinancial.com.au/blog/topic/families-who-thrive) ##### [Supporting the Next Generation into Property](https://www.altusfinancial.com.au/blog/supporting-the-next-generation-into-property) [Lending](https://www.altusfinancial.com.au/blog/topic/lending), [Families Who Thrive](https://www.altusfinancial.com.au/blog/topic/families-who-thrive) - 9 min read ## [Supporting the Next Generation into Property](https://www.altusfinancial.com.au/blog/supporting-the-next-generation-into-property) ###### Julie Azzi - SHARE: - [**](http://www.linkedin.com/shareArticle?mini=true&url=https://www.altusfinancial.com.au/blog/supporting-the-next-generation-into-property) - [**](https://www.twitter.com/share?url=https%3A%2F%2Fwww.altusfinancial.com.au%2Fblog%2Fsupporting-the-next-generation-into-property) - [**](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.altusfinancial.com.au%2Fblog%2Fsupporting-the-next-generation-into-property) For many families, the biggest lending conversations we’re having right now aren’t about refinancing or rate movements, they’re about the next generation.  Adult children are trying to enter a challenging property market, often with strong incomes but limited deposits. Parents want to help, but are understandably cautious about risk, fairness and long-term implications.  When done well, next-generation lending can be a powerful way to support children, strengthen family wealth and create long-term financial confidence.  When done poorly, it can create unintended pressure - financially and emotionally.  The difference comes down to **structure,**** ****strategy**** ****and timing**.   ## **Why Next-Generation Lending Is Such a Hot Topic Right Now** We’re seeing a perfect storm of factors driving these conversations:  - Property prices remaining elevated in many markets  - Cost-of-living pressures making it harder to save a 20% deposit - Increased use of government schemes, including 5% deposit options - Parents with equity but understandable concerns about risk - Families wanting to plan more intentionally across generations For many younger clients, **lending is their first meaningful financial decision **and often their first interaction with a professional adviser.  That first experience matters.    ## **The Most Common Ways Families Are Supporting the Next Generation** Every family is different, but the most common approaches we see include:  1. ** Parental Guarantees** Often used to help a child enter the market sooner, without needing a full deposit.  Key considerations:  - how much equity is actually required  - how and when the guarantee can be released - ensuring parents aren’t over-exposed  This is an area where structure really matters.  1. ** Using Government Schemes Strategically** Programs such as the 5% deposit scheme have created opportunities for first home buyers but they still require careful assessment.  It’s not just about eligibility. It’s about ensuring the loan structure works as incomes grow and circumstances change.  1. ** Family Support Through Gifting or Loans** Whether it’s gifted funds or a documented family loan, clarity upfront is critical.  We always encourage families to think through:  - expectations - documentation - fairness across siblings - long-term estate implications   ## **Where Families Can Get Caught Out**  The biggest risks we see don’t come from the intention to help, they come from **moving too quickly**.  Common pitfalls include:  - choosing the wrong lender for the structure - over-committing parental equity - not aligning lending with broader tax or estate plans - locking in arrangements that are difficult to unwind later - treating the loan as a transaction, not part of a longer journey These issues are rarely obvious at the outset, which is why early advice is so important.    ## **Why Lending Should Be Part of a Broader Conversation**  At Altus, we don’t view next-generation lending as a one-off event.  We see it as:  - the start of a long-term relationship - an opportunity to align family wealth planning - a way to support both generations with clarity and confidence When lending is considered alongside tax, wealth and business advice, families can make decisions that feel supportive - not stressful.  Often, the most valuable outcomes come simply from having the **right people in the room early**.    ## **A Recent Example**  We recently worked with a business-owning client who initially came to us under cash flow pressure. After restructuring their business lending and improving their position, the conversation naturally shifted to their family.  Their adult child was ready to buy a first home but unsure where to start. By structuring the lending carefully and using a government scheme appropriately, we were able to support the purchase while keeping the parents’ position secure.  What began as a business lending review became a multi-generational solution built on trust, clarity and good structure.    ## **Looking Ahead**  Next-generation lending will continue to be one of the most important area of advice in the years ahead.  Handled well, it:  - helps families move forward with confidence - strengthens relationships across generations - creates a natural pathway for ongoing advice Handled poorly, it can create unnecessary complexity.  If you or your family are starting to think about how best to support the next generation - the earlier the conversation begins, the better the outcome tends to be. ### **Could Your Business Benefit from an Outsourced CFO?** Set your business on the right path with this simple guide. 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Connect with the author of this post and they'll get back to you. [Send a message](mailto:julie.azzi@altusfinancial.com.au) ![close (1)](https://www.altusfinancial.com.au/hubfs/Altus_LP_Images/close%20(1).svg) #### Related Insights [Lending](https://www.altusfinancial.com.au/blog/topic/lending) - 7 min read ##### [The Basics of Borrowing: What You Need to Know](https://www.altusfinancial.com.au/blog/the-basics-of-borrowing-what-you-need-to-know) [Lending](https://www.altusfinancial.com.au/blog/topic/lending) - 6 min read ##### [How to Determine How Much Home You Can Afford](https://www.altusfinancial.com.au/blog/how-to-determine-how-much-home-you-can-afford) [Lending](https://www.altusfinancial.com.au/blog/topic/lending) - 3 min read ##### [Fixed Mortgage Rates: The Advantages for Homeowners](https://www.altusfinancial.com.au/blog/fixed-mortgage-rates-the-advantages-for-homeowners) [Lending](https://www.altusfinancial.com.au/blog/topic/lending) - 7 min read ##### [Commercial Loans: Broker or Bank?](https://www.altusfinancial.com.au/blog/commercial-loans-broker-or-bank) ## Financial insights you won’t delete. 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