Oli Property unlocks co-buying to help more get on the property investment ladder

• More Australians are turning to property co-buying as a way to increase borrowing power and accelerate their property investment journey.

• Oli Property (a division of Oliver Hume Home Solutions) is helping investors explore co-buying with partners, family, friends, or chosen co-owners.

• Co-buying provides flexibility, financial protection, and the ability to access better properties while building wealth together for investment.

Oli Property (a division of Oliver Hume Home Solutions) has launched a dedicated co-buying pathway to help Australians pool their resources to get their foot on the property investment ladder.

With house prices continuing to outpace wages, higher interest rates restricting borrowing power, and the rising cost of living squeezing household budgets, many homeowners are finding the dream of a comfortable retirement further out of reach.

Co-buying is emerging as a practical solution, giving everyday Australians an alternative route as property investors to help build wealth for their retirement.

Oliver Hume Home Solutions CEO Adam Duster said the concept was simple, but powerful.

“That’s why more people are teaming up with a partner, friends, siblings, parents or other chosen co-buyers to make property investment possible,” Mr Duster said.

“By pooling savings for a shared deposit and combining borrowing capacity, buyers gain access to a wider range of properties, often in better locations or with more features, than they could afford alone. Importantly, each person owns a legally recognised share, and their interests are protected. Once purchased, mortgage costs are shared amongst the co-borrowers making the cost of owning the property more affordable. It can help you get on the property investment ladder quicker and is also a more cost-effective way to own.”

Oliver Hume Property Group CEO Julian Coppini said with the home market continuing to build momentum, it was important for buyers to consider all options to get their foot in the property investment door.

“We are beginning to see strong demand across the national property market, so if you are not able to achieve your goals alone, co-buying as an investor is well worth investigating.”

“Co-buying is about making the investment dream possible sooner, while still protecting each person’s independence and future wealth.”

Oli Property is supported by Co-operty, Australia's leading platform for legally structured co-ownership, enabling co-buyers to put the appropriate legal protections in place, protecting all parties’ interests.

How Co-Buying Works

When you co-buy a property, each person owns a defined share, either equally or in proportion to their contribution. Unlike informal arrangements, co-buying is a formal legal structure that is recorded on the property title and supported by a written agreement.

This gives buyers flexibility to design an arrangement that works for their circumstances and lifestyle:

• Investment only – Purchase an investment property, rent it out, and split the income and costs between co-buyers.

• Rent vesting – Rent where you want to live, and purchase an investment property where you can afford.

• Parents Investing in their kids future – Parents can invest in their children’s first home – helping their kids get into the market sooner whilst creating capital growth for their own retirement.

• Flexible arrangements – One or more co-buyers live in the property, while others rent out their share to generate income.

Whatever the structure, the key is to get everything in writing. A co-ownership agreement ensures clarity and peace of mind, outlining rights, responsibilities, and how decisions will be made. This helps protect relationships as well as financial interests.

The Benefits of Co-Buying

Co-buying offers a range of benefits that make it increasingly attractive to today’s buyers:

• Buy Sooner – Combining deposits and incomes means entering the market faster, avoiding years of saving while property prices continue to climb.

• Own More, for Less – Pooling resources may allow buyers to purchase a higher-quality property in a better location, with more space or features.

• Shared Costs – Mortgage repayments, rates, utilities, maintenance and renovations can be divided among co-buyers, reducing the individual financial burden.

• Retain Legal Independence – A tailored co-ownership agreement clearly defines each person’s share, obligations, and exit strategies, giving buyers both independence and security.

• Build Wealth Together – As property values increase, each co-buyer builds equity in line with their ownership share, creating long-term financial benefits and pathways to future investments.

Mr Duster said that beyond affordability, co-buying had lifestyle advantages.

“It’s not just about cost-sharing. It’s about creating flexibility. Some people want to live with their friends and split the bills, while others want to build an investment portfolio with their parents, siblings or others. Co-buying adapts to those different goals,” he said.

Oli Property provides comprehensive support at every stage of the investment journey, from the initial consultation and property selection to finance support and property management.

The process is streamlined into three key steps:

1. A free discovery session to create a personalised investment plan.

2. Property selection using Oli’s rigorous 100-data-point checklist

3. Property purchase, knowing Oli Property supports every aspect of the acquisition and beyond.

Oli Property also educates clients on the importance of diversification and “time in the market,” helping them explore high-growth areas across interstate, regional, and metro markets.

These strategies offer advantages such as:

• Access to more affordable properties (often under $600,000).

• Capital growth potential in areas with planned or existing infrastructure.

• Reduced land tax strategies through multi-state ownership.

• Portfolio risk mitigation through geographic diversity.

The service also promotes residential property as the most accessible and reliable investment type for everyday Australians. Compared to commercial real estate, residential property is typically more affordable, easier to understand, and delivers stable long-term capital growth and lower vacancy risks.

Investors also benefit from access to approved mortgage brokers, property managers, and guidance on government-approved incentives, further strengthening cash flow and investment outcomes.

To begin your investment journey and take control of your financial future, visit www.oliproperty.com.au to schedule a free discovery session.

ENDS

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About Oli Property

Oli Property is an investment service proudly backed by Oliver Hume Property Group, one of Australia’s most respected property companies. Drawing on a 70-year legacy, Oli Property helps everyday Australians achieve a better life and retirement through intelligent property investment, robust research, and expert support.