Young adults aged 25–34 are increasingly prioritising property investment—especially rental properties—over homeownership, driven by rising mortgage costs, high deposits, and a growing focus on wealth-building. Many are using earnings, capital, or inheritance to enter the market earlier, aiming for long-term financial security and passive income.

Data from Paragon Bank highlights a notable drop in the average age of buy-to-let landlords, with a sharp rise in investors under 30. In 2023, 31% of new BTL mortgages were taken out by those in their 30s, and over 66,000 landlords were under 30.

Another emerging trend is the rise in young people purchasing second properties for rental income, particularly in high-demand areas like Scotland, Northern Ireland, The Midlands, and South-East London. With rental yields strong and housing affordability still a challenge, this trend is expected to continue as younger generations adopt a strategic, investment-focused approach to property.