​The "Great Affordability Migration": Why Interstate Buyers are Choosing Victoria

ALTONA, Australia - EntSun -- ROCKBANK, VIC – The Australian property landscape is witnessing a significant shift in 2026 as interstate homebuyers and investors from Sydney, Brisbane, and Perth pivot toward Victoria to capitalize on a rare "affordability window." With Melbourne house prices forecast by KPMG to lead the nation with 6.6% growth this year, savvy market entrants are utilizing Victorian-specific incentives to secure entry points that have become extinct in other capital cities.
​As of January 2026, the Victorian First Home Buyer Grant and significant stamp duty reductions—which offer full exemptions for properties up to $600,000 and concessions up to $750,000—have become the primary drivers for a new wave of "border-crossing" buyers.
​The Rise of the "Border-Crossing" Investor
​While investors in New South Wales and Queensland face steep entry costs and tightening yields, Victoria's growth corridors are offering a dual-benefit: government-backed savings for those relocating, and high-yield opportunities for those buying on a budget.

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​"We are seeing a massive influx of enquiries from interstate residents who have been priced out of their local markets," says Aroob, Founder and Managing Director of Funding Nest. "They are discovering that for the price of a small apartment in Sydney, they can secure a brand-new family home in a Victorian growth hub. When you layer the $10,000 First Home Owner Grant on top of zero stamp duty, the immediate equity position is unparalleled."
​2026's Affordable Hotspots: Where the Smart Money is Moving- Both interstate families and budget-conscious investors are gravitating toward:
​The Western Corridor: Tarneit, Rockbank, Manor Lakes, and Wyndham Vale continue to dominate as the most accessible entry points for those utilizing the 5% deposit scheme.
​Regional Powerhouses: Ballarat, Lara, and Armstrong Creek are attracting interest for their lifestyle appeal and robust rental yields, often exceeding 4.5%.
​A Strategic Window for 2026
​For those looking to maximize the Victorian Government's current concessions, the first half of the year represents a critical period for acquisition.

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​Successfully navigating these grants while managing an interstate purchase requires a localized, high-touch approach to finance. "It's about more than just a loan; it's about timing the market and the paperwork perfectly to ensure every cent of government support is captured," adds Aroob.
​About Funding Nest
​Funding Nest is a leading Victorian mortgage brokerage specializing in helping Australians navigate the complexities of first-home ownership and strategic property investment. Founded by Managing Director Aroob, the firm provides expert guidance on Victorian grants, stamp duty concessions, and interstate buying strategies, ensuring clients build their property nests on a foundation of financial clarity.
​
​Media Contact:
Aroob
Founder & Managing Director, Funding Nest
Phone: 0452 266 551
Email: aroob@fundingnest.com.au
Website: https://www.fundingnest.com.au