Buying Property in Your 50s: Is It Too Late? With Kylie Walker

There’s a common belief that if you haven’t bought property by a certain age, the opportunity has somehow passed you by. But life doesn’t always follow a neat timeline, and sometimes rebuilding financially comes after significant personal and professional change. I’m joined by Kylie Walker, a business owner and former real estate agency owner who has recently purchased her own home in her 50s after navigating major changes in her life. Her journey is a thoughtful reminder that starting again can feel daunting, but it can also bring a renewed sense of independence, security and possibility. We talk openly about the financial realities behind buying later in life, from understanding what you can genuinely afford and breaking mortgage commitments into manageable numbers, to preparing your finances and recognising how everyday debt and spending can affect your borrowing position. Kylie also shares what it was like applying as a single, self-employed borrower and how having the right guidance helped her work through the uncertainty rather than becoming overwhelmed by the bigger picture. What stands out most is that property ownership can represent far more than the transaction itself. For Kylie, it became connected to confidence, independence and the feeling of having created security on her own terms. For those of us working across property management, mortgage and finance broking, it’s an important perspective to remember: behind every application, approval and property decision is a person navigating their own circumstances, fears and goals. Sometimes the greatest value we bring is helping people understand their options, make informed decisions and see a path forward they may not have realised was available. *“I thought this would be a lot further down the track than where I am now.”* - ***Kylie Walker*** We cover: - Buying a home later in life, including as a single person or on a single income - Overcoming fears about affordability, debt, age and financial uncertainty - Navigating the mortgage application and property-buying process - Budgeting by breaking mortgage costs into manageable weekly amounts - Building financial confidence, independence, security and a sense of homeownership - Rebuilding after major life changes and recognizing when the timing feels right - Exploring practical paths into the property market, such as different property choices and available support - Seeking professional guidance and support from a trusted team - Setting business and income goals to support long-term financial stability - Challenging the belief that it is too late to buy a home or invest in the future **Kylie Walker:** https://www.thatpropertymum.com.au/ https://www.instagram.com/thatpropertymum\_/ facebook.com/thatpropertymum linkedin.com/in/kylie-walker-843491102 Apple Podcasts Spotify **Connect With Tracy:** https://www.instagram.com/tracykearey https://www.mortgageadvicebureau.com.au/ https://www.linkedin.com/in/tracy-kearey/ https://www.facebook.com/TracyKeareyMAB/