owner occupier

The Rise of Owner Occupier Buyers: Could You Be Missing Out?

Facebook Twitter LinkedIn Mail Us

The housing market is recovering —  and it’s no thanks to investors. Owner occupier buyers are driving the housing market today, according to the latest data. 

According to CoreLogic, property investors have historically always outweighed non-investors. But not anymore, their latest data shows. For the first time, non-investors are dominating the housing market and if the trajectory of housing prices continues, this might be the fastest recovery in history yet.


Quick Recovery

It is estimated that by April of this year, property prices will overtake its previous all-time high. Assuming the trajectory continues, what would normally take, on average, 11.7 months based on previous cycles, would only take 10 months from the time dwelling values bottomed out in June last year. 

To take this into perspective, note that most property recovery periods match the length of time it takes to go from peak to trough. If you look at the table below, you’ll see that the time it takes for the housing market to bottom out is typically long. For instance, last year it took 20 months to get from peak to trough. This year, however, the market recovery could be half of the length of the decline period. 

first home buyer

What’s equally amazing is that this growth is not being driven by property investors. This is good news as this means housing affordability will be relatively steady. Investors on the prowl for property investments generally drive house prices up, making it difficult for non-investors like owner occupier and first home buyers to get into the market.

Related:  10 Reasons Why Australia’s Property Market is Making a Big Comeback!

Owner Occupiers are Driving the Housing Market Growth

Recent housing finance growth data shows that owner occupiers are the biggest movers in this recovery.

In the previous upswing of 2012-2017, the portion of new housing finance to owner occupier buyers has averaged 59.4% based on the value of commitments. In the last 7 months, that figure has risen to 71.4%.

Check out the graph below:

housing market

Of course, investor participation may increase over time. The downturn in construction may result in increased housing shortage which will, in turn, drive house rents up and encourage investors to go back to the market.

Still, this trend has improved housing affordability and has allowed first home buyers and non-first home-owner occupier buyers to play a part in the market. 

The data also confirms that when investors depart and there is no one to compete with, first home buyers and owner occupiers have a fair chance of getting into the housing market.

This might be the best time to buy your first home or get that second home.


Ed Chan

Co-Founder / Non-Executive Chairman



If you can time your purchase right, you’ll surely get the best price.


Need a property tax accountant for property investment strategies and tax planningContact a Chan & Naylor accounting specialist here

Aside from property tax assistance, have a look at our other accounting and advisory services designed to help you achieve greater financial success.

If you like this post, “The Rise of Owner Occupier Buyers: Could You Be Missing Out?,” subscribe to our newsletter and stay in touch with us by liking our main Chan & Naylor Facebook page, as well as our LinkedinInstagram, and Twitter pages.

The Chan & Naylor Group has national offices in South West SydneySydneyPymble and Parramatta in New South Wales, Wheelers Hill, MelbourneMoonee Ponds and Hawthorn in Victoria, Brisbane and Capalaba in Queensland, and East Perth in Western Australia that can assist you with your accounting needsContact us here today.

Leave a Reply

Your email address will not be published. Required fields are marked *

Join our mailing list today!

Keep up to date with our latest news & updates!