Years ago, getting a mortgage meant making a trip to your bank to convince the manager to lend you some money. But now, the expectations set by on-demand culture are seeping into banking, with companies like Habito and Trussle using tech to offer one-click mortgages.

Rising prices are making it increasingly difficult to get on the property ladder in Australia, with younger generations finding it the hardest. Proptech startups like BrickX are making it possible to own a piece of the Australian Dream through fractional investing.

Getting a mortgage can be an onerous process. But, as the stock market continues to bottom out and house prices continue to rise, more people are looking to invest in real estate. Start-ups like PeerStreet aim to make the market's gains available to smaller-scale investors.

From being saddled with student debt, to sky-high housing prices, the dream of owning a home has never seemed more distant to most Gen Yers. Claiming to be “the missing step,” Unmortgage is helping people put down roots with a scheme that partially finances their homes.