Shellabears Blog
Downsizing in Perth’s Western Suburbs | Sell Quietly & With Confidence
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“I Just Want to Go Quietly”
While governments continue to tinker with housing policy and fuel the demand side of the equation, one critical group of homeowners is being overlooked – established property owners who want to downsize.
I see it every day across the Western Suburbs and at the price points I work within, but this challenge exists nationwide. Mature homeowners want to free up equity, release larger family homes back into the market, and transition into a lifestyle that better suits their next chapter.
Yet the question I hear most often is simple – and telling:
“How do I do this without being penalised, or worse, selling and getting stuck on the sidelines?”
Downsizing isn’t just a property decision. It’s a financial, emotional, and logistical one. And without the right advice, it can feel overwhelming.
Before making any decisions, it’s important to understand the realities of the Pro’s and Con’s
CONS
Financial limitations – Accessing finance later in life can be difficult. Many homeowners are asset-rich but cash-poor, and refinancing or bridging solutions aren’t always straightforward once income reduces. Although options exist and bridging finance is not the beast it once was.
Limited suitable housing – Many downsizers quickly discover that well-designed, age-appropriate homes are in short supply. Single-level living, step-free access, space for carers or visiting family, wider hallways, accessible bathrooms, low maintenance and strong security — these features are often hard to find.
Location ties – Community matters. Most homeowners want to stay close to family, friends, and familiar services, which further limits suitable options.
Stamp Duty – Around 5% of the purchase price — can feel like a sting at the very end of a working life and is a major barrier that stops people from moving at all.
Lack of incentives – While first-home buyers enjoy generous support, there are very few incentives for people freeing up larger homes and moving into properties that better suit their later years.
WHY MANY SELLERS STILL CHOOSE TO DOWNSIZE / PROS
Despite the hurdles, downsizing can offer powerful benefits when done properly.
Freeing up capital
- Boost superannuation via downsizer contributions (conditions apply)
- Help children or family into the market
- Fund travel, lifestyle upgrades, or peace of mind
Reducing stress and financial pressure
- Lower maintenance and holding costs
- Reduce or eliminate a mortgage
- Smaller properties generally mean lower rates (though strata fees should be considered)
A home that suits your lifestyle now
- Closer to shops, healthcare, and amenities
- Ground floor master bedroom or single level living
- Easier living with less upkeep
- Proximity to lifestyle choices — beach, country, walking, fishing, or family
Before You Sell, Ask Yourself the Right Questions
If you’re starting to think about saying goodbye to the family home, clarity is everything.
Ask yourself:
- What is my end goal — cash release, super contributions, lifestyle, helping family, relocation?
- How will this impact my pension, benefits, or long-term financial position?
- What does “success” actually look like for me in this move?
This isn’t your first rodeo — but it is one worth getting right. Speaking with your accountant or financial adviser early is essential.
A Smarter Process for Downsizing Without Risk
From a property perspective, the process matters just as much as the decision.
- Get clarity on your desired outcome and be realistic with assumptions
- Obtain a professional, realistic appraisal so you understand your true starting position
- Prepare your home for sale early, even if you’re not ready to list yet
- Have marketing ready to go, so you can act quickly and competitively if needed
- Discuss financing options that allow flexibility between buying and selling
- Research suitable properties so you know what’s available and what’s realistic
- Have a clear plan to avoid being caught out of the market, especially in rising conditions
Understanding the costs is also key:
- Selling costs: approximately 2% in agent fees, plus $3,000–$5,000 marketing and settlement costs
- Buying costs: stamp duty (around 5%), plus settlement fees
- Moving costs: packing, transport, and unpacking
You Don’t Have to Navigate This Alone
Downsizing should feel empowering — not stressful. With the right planning and advice, it is possible to move quietly, confidently, and on your terms.
If you’re considering selling, even if it’s just a conversation at this stage, I’m always happy to talk through your options, help you understand the numbers, and map out a strategy that protects you from unnecessary risk. A short conversation before you sell can make all the difference.
About the Author, Andy Nye
For many homeowners in the western suburbs, downsizing isn’t about urgency — it’s about control, discretion, and getting the outcome right.
I work closely with long-term property owners across Swanbourne and neighbouring coastal suburbs, helping them navigate complex selling decisions with clarity and confidence. These are not transactional sales. They are considered moves involving significant assets, family outcomes, tax implications, and lifestyle change.
My role is to help you understand what your property is truly worth in today’s market, how to time a sale strategically, and how to transition without unnecessary pressure, exposure, or risk. In many cases, that means planning well before a home ever reaches the open market — and sometimes achieving outcomes quietly, without fanfare.
If you’re considering a move — even if it’s still some way off — an early, confidential conversation can make all the difference. My advice is practical, market-driven, and tailored to your personal objectives, whether that’s releasing capital, simplifying life, or securing your next home in this tightly held part of Perth.
When you’re ready to explore your options, I’m available directly on 0450 763 331 for a confidential discussion.
