Navigating the Housing Maze

Australia’s housing market has long been a topic of discussion, with affordability and accessibility presenting challenges for many individuals and families, particularly for seniors living on fixed incomes such as the age pension.

For those struggling to find suitable housing, the journey can feel like navigating a complex maze. However, amidst the challenges, there are options and resources available for those in search of a place to call home.


1.   Government Assistance Programs:

Start by exploring government assistance programs designed to support individuals and families in securing affordable housing. The National Rental Affordability Scheme (NRAS) and various state-based initiatives provide financial incentives to property investors to offer rental properties at reduced rates.

2.   Community Housing Organisations:

Community housing organisations play a crucial role in providing affordable and stable housing options. These non-profit entities manage and offer rental properties to eligible individuals and families. Reach out to local community housing providers for information on available properties and eligibility criteria.

3.   Rent Assistance:

The Australian government offers Rent Assistance as part of its social security programs. This additional financial support can make a significant difference for those struggling to meet the costs of renting privately. Check your eligibility and apply through Centrelink or the Department of Veterans Affairs.

4.   Shared Housing and Co-Living:

While not for everyone, embracing the concept of shared housing or co-living arrangements can be a viable option for those seeking affordable living spaces. Platforms like connect individuals looking to share accommodation, making it more economically feasible for everyone involved.

5.   Rent-to-Own Programs:

Some organisations offer rent-to-own programs that allow tenants to transition from renting to homeownership gradually. This option provides individuals with the opportunity to build equity while enjoying the benefits of stable housing.

6.   Alternative Housing Models:

Consider alternative housing models such as tiny homes, container homes, or modular housing. These innovative approaches offer affordable and sustainable housing solutions, providing a unique alternative to traditional housing.

7.   Financial Counselling and Support:

Seek out financial counselling services to help manage and improve your financial situation. These services can provide guidance on budgeting, debt management, and savings strategies, ultimately supporting your quest for suitable housing.

8.   Rural and Regional Opportunities:

Explore housing opportunities in rural and regional areas where property prices may be more affordable than in major cities. Some government programs incentivise individuals to relocate to these areas, contributing to regional development.


Finding suitable housing in Australia may be challenging, but with a combination of government assistance programs, community initiatives, and alternative housing options, individuals and families can navigate the maze successfully. 

It’s essential to keep an open mind, explore a variety of options, stay informed about available resources, and seek support from community organisations to make the process more manageable. 

Together, these options provide hope and practical solutions for those facing housing struggles in Australia.


By Peter Kelly on 22 November 2023



Peter Kelly

PK believes people have the right to accurate, affordable and unbiased information that addresses all aspects of their preferred retirement lifestyle, thereby giving them the opportunity to make informed decisions that will empower them to live out their lives with dignity, certainty and security.


Mark Teale

Tealey’s ambition is to change how people think about their retirement, he wants people to dream, plan and realise retirement is not defined by a magical age prescribed by the legislation.


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The information contained in this article is of a generally nature and does not take into account your particular objectives, financial situation or needs. You should therefore consider the appropriateness of the advice for your situation before acting on it. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decisions regarding any products or strategies mentioned in this publication.

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