Finding the right home starts with understanding the different types of houses available in the country. Whether you’re looking for a spacious family home, a low-maintenance unit or a stylish townhouse, Australia has a wide range of house styles to suit different needs and lifestyles. In New South Wales (NSW), the diversity of homes reflects both historical influences and modern living preferences.
Different Types of Houses in NSW
If you’re planning to buy, invest or simply explore your options, here’s a guide to some of the most common types of houses in NSW and how to choose the perfect home for you.
Detached Houses: Space and Privacy
A detached house is the classic dream for many Australians. They offer privacy, space and a backyard for outdoor living. Standalone homes also provide freedom for renovations and landscaping, which makes them ideal for families, pet owners and those who love having their own space.
Semi-Detached Homes: A Balance of Affordability and Space
For buyers seeking a balance between affordability and independence, semi-detached houses are a great choice. These homes share a common wall with a neighbouring property but maintain separate entrances, backyards and living spaces. Found in both urban and suburban areas, these homes offer a mix of space and convenience.
Elevated Weatherboard Cottages: A Classic Australian Design
While Queenslander-style homes exist in parts of northern NSW, they are less common than in Queensland. Instead, elevated weatherboard cottages are more prevalent in older coastal and regional areas. These feature large verandahs, high ceilings and timber construction for airflow and flood protection. Charming homes like this suit warm climates but may require ongoing maintenance due to their age and materials.
Federation-Style Homes: Timeless Character
Built around the time of the Australian Federation in 1901, these homes are known for their detailed brickwork, stained glass windows and decorative timberwork. Federation homes are highly desirable due to their historical significance and craftsmanship. Because they are older homes, however, renovations and upkeep may be somewhat costly.
Contemporary Homes: Sleek and Sustainable
Contemporary homes feature open-plan layouts, smart technology and energy-efficient designs. Some new builds in NSW may have sustainability features built in. These can include solar panels, rainwater harvesting and passive cooling. Popular in city-fringe areas and new developments, these homes can offer you a low-maintenance, modern lifestyle.
Townhouse: A Low-Maintenance Alternative
What is a townhouse? It’s a multi-level home that shares one or more walls with neighbouring properties but has its own private entrance and outdoor space. Townhouses are commonly found in city and suburban areas. These are usually in developments that feature shared amenities like gardens or pools. Townhouses combine apartment living and detached homeownership. This makes them ideal for young professionals, families and downsizers.
Apartments: High-Density, Urban Living
Apartments are a key part of Australia’s housing market. Sizes can range from compact studios to luxury penthouses, catering to different budgets and lifestyles. Convenience and security are what apartments offer. These are perfect for those who want to live close to work, entertainment and public transport. Note, however, that these come with strata fees and potential renovation restrictions.
Villa: A Single-Level, Easy-Care Option
What is a villa? It’s a single-level home found within a small complex. They offer homeowners private living space without the hassle of a larger house. Popular with retirees, small families and investors, villas are often found in suburban developments. Many come with a small courtyard or backyard, which provides a low-maintenance outdoor space.
Choosing the Right Home from the Many Types of Houses in NSW
When deciding on the perfect home, it’s important to consider the following:
Lifestyle: Do you prefer the space of a detached house or the convenience of a townhouse?
Budget: Can you afford the upfront costs and ongoing maintenance?
Location: Do you want to live in the city, suburbs or a regional area?
Long-Term Plans: Will your chosen home suit your needs in the future?
If you’re unsure which home is right for you, speaking to a mortgage broker or property expert can help you understand your options.
Find the Right Home Loan for Your Ideal Property with ZEP Finance
With so many types of houses in NSW, choosing the right one comes down to your needs, budget and lifestyle. Whether you love the character of an older federation house, the convenience of a townhouse or the space of a detached home, there’s a perfect property waiting for you.
Understanding different house styles and their benefits can help you make an informed decision. No matter where you decide to live, the key is securing a home loan that supports your present and future goals – and that’s where ZEP Finance can help! Contact us today so we can help you determine which financing option is the right one for you.
After studying business and finance at university, Zain initially expected to pursue a career in finance. However, his passion for property and the experience of buying his own home led him to mortgage broking. He began his mortgage brokering career in 2009 and founded ZEP Finance in 2010.
