Melanie Evans

The other side of the coin is things like technology, mobile, apps, side hustles, the gig economy.

the accessibility of shares, ETFs, all of those things have also given Australians more options when it comes to saving money, when it comes to searching for a good deal for saving their money, or indeed looking for other ways to build income and build wealth on their pathway.

We will always have, you know, a number of Australians who don't want to own property, who do want to rent, who want to have that freedom.

But fundamentally, the housing market has changed and therefore the pathway to home ownership has changed.