澳大利亚首次购房者的年龄正在大幅推后。140岁以上的首次购房者比例从2005年的5.5%跃升至2025年的18.7%，而20岁以下购房者的比例则从四分之一跌至不足0.5%。1与此同时，贷款机构正在推出创新融资工具来应对这一变化，包括5%的首付计划和40年期抵押贷款，使购房者能够借入更大额度。1
这一趋势带来的后果日益显现。1在1996至2013年间，55至64岁仍在偿还抵押贷款的澳大利亚人比例从20%攀升至45%。1更极端的案例中，52岁的达米安·霍尔在50岁时获批了一笔30年贷款，其抵押贷款还款期限被延至80岁。1政府在2024年10月推出的5%首付计划进一步加剧了这一态势，澳大利亚央行预测该政策将推高房价，截至2025年3月，首次购房者新贷款额增幅约为11%。12025年1月的调查显示，58%的受访者计划在退休前拥有住房，1但大量澳大利亚人或将带着抵押债务进入退休，对养老金系统和住房公平性造成压力。
The age at which Australians purchase their first home has shifted significantly, with those aged 40 and over now representing 18.7% of first-time buyers in 2025, up from just 5.5% in 2005.1 By contrast, buyers aged 20 and under have declined from approximately one quarter of the market to below 0.5% over the same period.1 This demographic shift reflects broader affordability challenges and changing patterns in the property market.
To facilitate purchases by older buyers, lenders have introduced extended financing arrangements, with some now offering 40-year mortgage terms.1 The government's introduction of a 5% deposit scheme in October 2024 has further enabled first-time buyers to access larger loans, with new mortgage lending to first-time buyers increasing by approximately 11% by March 2025.1 One 52-year-old buyer, Damian Hall, exemplifies this trend—he secured a 30-year loan at age 50, with his mortgage repayments now extending to age 80.1
The implications for retirement security are substantial. Between 1996 and 2013, the proportion of Australians aged 55 to 64 still repaying mortgages rose from 20% to 45%.1 A January 2025 survey found that 58% of respondents intended to own their home before retirement,1 yet the extension of mortgage terms into later life raises questions about financial vulnerability during retirement years and the broader sustainability of the aged care and superannuation systems as more Australians enter retirement with outstanding housing debt.
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