{"id":9779,"date":"2016-11-06T01:00:34","date_gmt":"2016-11-05T14:00:34","guid":{"rendered":"http:\/\/realestatetalk.com.au\/?p=9779"},"modified":"2016-11-06T01:00:34","modified_gmt":"2016-11-05T14:00:34","slug":"the-great-aussie-dream-is-being-redefined-mark-mccrindle","status":"publish","type":"post","link":"https:\/\/channels.realty.com.au\/realtytalk\/the-great-aussie-dream-is-being-redefined-mark-mccrindle\/","title":{"rendered":"The great Aussie dream is being redefined – Mark McCrindle"},"content":{"rendered":"

 
\nOwning your own four bedroom house on a decent block of land with a big backyard and outdoor swimming pool used to be the quintessential ‘Great Australian Dream’. But with rising property prices and increased living costs, that dream is being redefined. Social researcher Mark McCrindle<\/strong> expands on this topic.<\/p>\n

<\/h4>\n

Transcript:<\/strong><\/h4>\n

Kevin:<\/b>\u00a0 It looks like the great Australian dream of owning your own home, on a big block of land, having a nice backyard, the outdoor swimming pool, whatever it is you wanted may just be starting to fade. Rising property prices and increased living costs, that dream needs to be redefined. To help us understand the profile of the typical Australian property owner or property buyer now, Mark McCrindle joins me. Mark, of course, is a social researcher, commentator, and principal of McCrindle.
\nMark, thanks for your time.
\nMark:<\/b>\u00a0 Thanks, Kevin. Great to be with you.
\nKevin:<\/b>\u00a0 How are we defining Australians now, or young Australian, I guess, Mark?
\nMark:<\/b>\u00a0 Well, there are a fair few challenges facing that next generation personally. And it\u2019s a great thing. They\u2019re more educated. They\u2019re staying at university longer. They completing more education. The only downside of that is that it does mean they\u2019re not starting their financial life until later than their parents did, and they\u2019re starting their financial life with a study debt to pay off, which their parents didn\u2019t have.
\nKevin:<\/b>\u00a0 Yes, that\u2019s true.
\nMark:<\/b>\u00a0 So in a sense, they\u2019re further behind the economic eight-ball, if you like, than their parents were at the same age.
\nThen, of course, it comes to buying the home, and we all know the property prices and the challenge there. People say property prices are up but wages are up, too, and that\u2019s true, but not at the same rate. If you look at average wages compared to house prices, that ratio continues to rise.
\nNow, nationally the average house price is ten times average full-time annual earnings, whereas four decades ago, it was about five times average earnings. So that\u2019s the challenge facing young people today.
\nKevin:<\/b>\u00a0 What is the average earning in Australia?
\nMark:<\/b>\u00a0 If you look at what they call the average, it\u2019s $78,000 per annum. That\u2019s the average adult full-time earnings. The only problem with that is it\u2019s a bit overstated, because that\u2019s average. They take everyone\u2019s earnings, divide it up by all workers. The midpoint is quite a bit below that, because if you have a lot of big income earners and you average it out, it\u2019s going to bump it up a bit higher than it is.
\nThe median \u2013 the middle point in the earnings \u2013 is more like the $58,000 mark. It\u2019s a bit under the $78,000, but that\u2019s roughly where it plays out. I guess, you\u2019d almost say around the $60,000 mark if someone\u2019s working full time; that\u2019s the midpoint.
\nKevin:<\/b>\u00a0 What about retirement age? Is that likely to extend out a bit, Mark, do you think?
\nMark:<\/b>\u00a0 Certainly, that\u2019s the policy. For a male it\u2019s been 65 ever since the Commonwealth Age Pension Act was passed more than a century ago, but we now have legislation that is going to push it to 67. I think that that\u2019s just a start. I think it\u2019ll continue to push back. That\u2019s access to the pension. It won\u2019t kick in for a little while before we get to 67.
\nBut, I think, the reality is that people recognize they\u2019re not only living longer, with longer in retirement to fund, but they\u2019re younger longer. They\u2019re a bit more active later in life. I think people won\u2019t want to retire in those early to mid-60s, will certainly downshift from a full-time role, but we\u2019re already seeing it, that they\u2019ll work a little bit later, keep a foot in the work life, if you like, until probably well through their 60s.
\nKevin:<\/b>\u00a0 A couple of things, I guess, whether or not we trade off those backyards for balconies and look at living in apartments closer to the city, or we, in fact, really harness the energy of the Internet and move to some of the more regional areas where property is affordable. But quite apart from affordability, Mark, what else are Aussies looking for in their houses?
\nMark:<\/b>\u00a0 Well, Australians are very attached to, still, that dream of owning their own place. It\u2019s quite strong. It\u2019s quite different to what you see in Europe where people are happy to be lifelong renters and there\u2019s more of a culture of that. In Australia, people want some ownership, even this next generation coming through.
\nAnd, yes, it\u2019s harder and it can\u2019t happen on one income now; it requires two. Often mom and dad have to help those young adult children get started. But nonetheless, they want a starter place and own it.
\nAs you said, it might not be that block of land and a house. Increasingly, it is going to be that unit, it is going to be the apartment. That\u2019s in our largest cities. The majority of all new housing approvals are in the unit and apartment category compared to the detached home category.
\nBut, we still want to own, which is a great thing, because we know historically that home ownership has been the bedrock of building an asset, building net worth in Australia and continues to this day to be the case.
\nBut we\u2019re seeing changes, as well. We\u2019re seeing people get a home a little later in life. We\u2019re seeing, as you said, people move to the regions, and the growth of the regional areas is quite phenomenal. In Queensland, Toowoomba and the growth there, and, obviously, the cities right up the coast continue to grow.
\nWe have the growth of not just the coastal cities around Australia but the inland regional areas \u2013 the Ballarats and Bendigos, the Albury-Wodongas, the Wagga Waggas, and the like. So that\u2019s been a bit of a trend \u2013 the resurgence of regional Australia. Again, as you said, not only because of affordability, but the access to the Internet, [5:03 inaudible]<\/b>, people can work or run a business from wherever they are.
\nKevin:<\/b>\u00a0 I\u2019m talking to Mark McCrindle.
\nMark, you made the point there about lifetime renters. There\u2019s nothing wrong with that, and in fact, I think there\u2019ll be a lot of investors who\u2019ll be saying, \u201cWell, that\u2019s great. We like to see people become renters because we need someone to be able to rent our properties.\u201d
\nMark:\u00a0 <\/b>That\u2019s right. To get a bit more stability in renting is important for not only the renter; it\u2019s great for the landlord and, of course, it\u2019s great for the community as well. In Australia, the average renter \u2013 we know this from the census data\u2013 stays 1.8 years per home. That is a lot of churn, particularly if people are renting for a long period of time. That means they\u2019re moving to a lot of homes, which means you don\u2019t get a sense of belonging and connection. You keep moving to new shops and new community organizations.
\nIt\u2019s hard to build community when you\u2019re staying less than two years on average, and a lot of people \u2013 to make that the average \u2013 are staying a lot less than that. So, yes, if we can develop a culture where it\u2019s a little bit more set up for people to stay longer and they\u2019re encouraged by their landlords to do so, that\u2019s going to be better for all concerned.
\nBut the reason that it is so low is that people don\u2019t so much care because they\u2019re staying in the rental period of life until they save up for the deposit for the mortgage for the home ownership. So we still have that strong channel in Australia from renting until people can then move into owning.
\nKevin:<\/b>\u00a0 Final point, I guess, is wealth distribution. We\u2019re saying that the current generation probably not as wealthy, in fairness, but they are going to inherit a fair bit of wealth, aren\u2019t they?
\nMark:<\/b>\u00a0 They are. If we look at the parents of today\u2019s young adults \u2013 so the parents of the mid-20-somethings \u2013 they are the younger baby boomers, in their 50s through into their 60s, and they have the highest net worth in Australia. A 55-to-64-year-old household has a net wealth of $1.2 million. It\u2019s the highest that it\u2019s ever been.
\nAnd that\u2019s the average net wealth. You have a lot of households, obviously, above that; some, of course, below that. But $1.2 million, now most of that or certainly much of that is tied up in the family home, a lot more in superannuation. So that\u2019s where it is.
\nBut nonetheless, that\u2019s a pretty good foundation for retirement, and it does allow a little bit of money there, some potential liquidity if they downsize to help their children out, as well. That\u2019s what we\u2019re starting to see.
\nAnd if they can do well \u2013 and keep in mind, the mid-50s to the mid-60s are still earning, they\u2019re still wealth accumulating \u2013 if they can build that nest egg a bit further, within a few decades, a fair bit of that \u2013 if not most of it \u2013 will be passed on to the next generation, and it will represent the biggest inter-generational wealth transfer Australia has ever seen. Probably about $3 trillion will be transferred in wealth between the generations over the next three decades.
\nKevin:<\/b>\u00a0 We out of time, Mark. But, thank you so much. Check Mark out on his website. There\u2019s a huge amount of information there. Great information for you to read. The Web address is mccrindle.com.au.
\nMark, thanks for your time.
\nMark:<\/b>\u00a0 Thanks again, Kevin.<\/p>\n","protected":false},"excerpt":{"rendered":"

  Owning your own four bedroom house on a decent block of land with a big backyard and outdoor swimming pool used to be the quintessential ‘Great Australian Dream’. But with rising property prices and increased living costs, that dream is being redefined. Social researcher…<\/p>\n","protected":false},"author":176692471,"featured_media":9794,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[32,10,11,13,36,17,25,27],"tags":[101],"class_list":["post-9779","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-property-topic","category-kevin-turner-sponsored-channels","category-kevin-update","category-latest-story","category-property-investment-topic","category-property-investment","category-sponsored-channels","category-trends-topic","tag-podcast"],"yoast_head":"\nThe great Aussie dream is being redefined - Mark McCrindle - Realty Talk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/channels.realty.com.au\/realtytalk\/the-great-aussie-dream-is-being-redefined-mark-mccrindle\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The great Aussie dream is being redefined - Mark McCrindle - Realty Talk\" \/>\n<meta property=\"og:description\" content=\"  Owning your own four bedroom house on a decent block of land with a big backyard and outdoor swimming pool used to be the quintessential ‘Great Australian Dream’. 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