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Low rates of female investors can cause housing insecurity
female investors

Did you know that only about one in four property investors are females?

To tell the truth you probably didn’t know – and nor did I – because the telling statistic has only come to light following the 2022 PIPA Annual Investor Sentiment Survey.

For the first time in its eight-year history, survey respondents were asked their gender and only about 27 per cent identified as female.

Now, while I knew that there was a difference between the numbers of male and female investors, it was still quite shocking to see how far behind women potentially are when it comes to property investment.

Alas, this research is ultimately yet another financial headwind that women continue to face. 

Throughout their working lives, women have to navigate the gender pay gap, much lower superannuation balances, and poorer financial outcomes post-divorce – all of which will mean they will have inferior financial outcomes throughout their lives and in retirement. Plus, the fact that women only represent a smidge over a quarter of all property investors is another factor that shows women are just not on the same financial footing as men in this country.

Not only can property ownership make a huge difference to a women’s financial well-being, but it also means they will literally have somewhere to go after a separation or divorce if needed.

Female homelessness rising

This is so important because, according to a recent report, the number of homeless women aged over 55 is expected to double in less than a decade.

The report, which used data from the Australian Institute of Health and Welfare, forecasts that without significant new policies, more than 15,000 older women will become homeless by 2031.

It also found the most recent census data may not have truly reflected the extent of homelessness among older women given they are more likely to be in emergency shelters, couch surfing, or sleeping in cars.

Unfortunately, older single women continue to heavily reply on social housing, which has been dwindling over the past three decades to represent just three per cent of total housing stock.

Plus, older women represent nearly 20 per cent of tenants in public housing, 16 per cent of community housing, with about 45 per cent of older women who rent in the private market spending more than 30 per cent of their income on rent. 

Buying opportunities exist

With rental markets continuing to be significantly undersupplied – and with rents rising by more than 20 per cent over the past year in most locations – housing insecurity is a real threat to women of all ages, but especially those aged over 55.

One way to help reduce the numbers of homeless older women is to prevent it happening in the first place, by increasing the number of female investors in this country.

In fact, ample opportunities currently exist for women to buy a home or investment property to shore up their financial futures.

Market conditions are highly supportive at present given softer property prices and lower buyer demand.

I believe that prospective property owners are also in the box seat from a lending perspective at the moment, too.

The next six months will deliver ideal market conditions for any woman who wants to improve their financial situation via strategic property ownership – and for any woman who doesn’t want to worry about still having a roof over her head in the twilight years of her life.


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