Housing over the Life Cycle for Migrants By

As individuals age they go through various phases in the labour market and the housing market. Younger Australians often begin their working life living at home with their parent(s) as part time workers in various service industries, some of them while they are studying at universities acquiring HECS debts, and then into more full time occupations. As they move into their late 20s and early 30s they begin buying properties on mortgages (some helped by their parents), as they approach their late forties and fifties they may begin to buy investment properties with a view to retirement incomes. Separation and divorce lead to an increased demand for housing, or perhaps different kinds of housing tenure. As they approach retirement they may move into part time work or some take early retirement and consider moving to lower priced housing away from city centres. As they get even older they may have to consider sheltered housing or move in with their children. The aim of this research is to compare life cycle changes in and housing tenure for migrants with non-migrants: for the purposes of this paper we shall focus on people of 5