THE younger generation is realistic when it comes to saving for and purchasing their first property.
Mortgage Choice Victoria St owner/manager Graham Bowling said most Mackay first home buyers were investing in a unit or houses on smaller blocks, equivalent to the price of unit.
"There has been an increase in home owners looking at smaller properties that are affordable," Mr Bowling said.
Today's first home buyers seemed to take fewer risks than their older generation counterparts did when they purchased their first home, he said.
"About seven or eight years ago, they were fearless," he said.
"They would opt for big house with all the features.
"This generation seems to be more conservative; they save their money, they have a deposit, they don't have a lot of debt and they seem to be a lot more educated and sensible.
"They are the less risky generation.
"Generally they're single or a working couple who look for a small, two-bedroom unit or small home.
"No stamp duty and the First Home Buyers Grant certainly helps their cause a bit as well."
He said some first home buyers opted to buy a normal size house in the $400,000 to $500,000 price range, but were savvy.
"The core of it is the younger generation are considering what they can afford. They're doing up budgets... and they're being careful."