🎓 How Your Home Could Help Fund Your Child’s Education
Location, location, location—or should we say: education, education, education.
New research shows homes in the catchment areas of sought-after public schools can command six-figure price premiums. Here’s why your home could be more than just a roof over your head—it could be a strategic investment in your child’s future.
🔗 Quick Navigation
• Catchment Zones and Property Value
• 3 Ways Your Home Can Help Fund Education
• Assessing Your Borrowing Power
• Disclaimer
🏫 Catchment Zones and Property Value
A new analysis by Cotality—formerly CoreLogic—shows homes located inside high-performing public school catchment zones in Sydney and Melbourne can attract premiums of over $100,000 compared to similar homes outside the zone.
Why? Because families are weighing the cost of private school fees—often $20,000–$35,000 per year—against the upfront cost of buying in a desirable zone.
Better still, while school fees tend to rise over time, mortgage repayments often decrease in real terms due to inflation and potential rate cuts. In fact, the RBA is expected to lower the cash rate to 3.35% by December 2025.
👉 Read our blog on rate cuts in 2025
💡 3 Ways Your Home Can Help Fund Education
1. Use an Offset Account
An offset account is linked to your home loan and reduces the interest charged by offsetting your loan balance.
Example:
• Mortgage: $600,000
• Offset balance: $50,000
• Interest charged on: $550,000
This setup helps you grow savings for school fees while reducing loan interest.
👉 Learn more about offset accounts
2. Tap Into Home Equity
With 44.8% of Australian suburbs now at record-high values, you may have more equity than you realise.
You could:
• Request a loan top-up
• Refinance to access better rates and features
• Use equity to fund school fees or tuition
👉 Explore our refinancing guide
3. Invest in a Rental Property
An investment property could help cover education costs through:
• Rental income
• Tax savings via negative gearing
• Long-term capital growth
Alternatively, consider rentvesting—buying a property outside the school zone while renting within it.
👉 Learn more about investment loans
📊 Assessing Your Borrowing Power
Paying for education is a big commitment—so is buying a home. That’s why it’s crucial to understand your borrowing capacity before house hunting.
We’ll help you:
• Calculate your borrowing power
• Explore loan options tailored to your goals
• Find properties in school zones that fit your budget
👉 Get in touch today to start the conversation
⚠️ Disclaimer
This article is general in nature and doesn’t constitute financial or tax advice. Always consider your personal circumstances and seek professional guidance before making decisions.
Let me know if you’d like this adapted for a suburb-specific page or turned into a downloadable guide for families. I can also prep a matching email or carousel for socials.
Written by Craig McDonald 07/08/2025
