Insights from: Gordon Yau, Director – My Finance Network (My Finance Network) If you’re renting right…
Teenagers on a Lease? Yep.. And Here’s Why It Actually Makes Sense

It’s not something you’ll hear from most agents, but at Flourish, we believe in being transparent — and sometimes that means doing things a little differently.
One of those “different” things?
We occasionally recommend adding a minor (yes, a 15-, 16-, or 17-year-old) to a tenancy agreement.
Before you panic — it’s completely legal. Under Queensland tenancy law, a minor can enter into a residential tenancy or rooming accommodation agreement. And that agreement is just as enforceable as if an adult had signed it.
So why would we ever do that? Because it can give young people a head start – not just in renting, but in life.
Adulting at 17 – Yes, It’s a Thing
We’ve met plenty of motivated teenagers — still under 18 — who are working full-time or completing apprenticeships, earning enough to cover rent and living costs. If they can demonstrate affordability, there’s no reason they shouldn’t be considered capable tenants.
These young renters are often moving away from home for work, study, or independence. What matters most is their stability, references, and consistent income – not their age.
And here’s where it gets interesting: being on a lease early can help beyond just renting.
A proven rental history – showing regular, on-time payments – is seen by many lenders as evidence of financial maturity. Some Australian banks and brokers (including a few right here in Brisbane) note that a strong rent record can help with future home loan applications. It shows commitment, budgeting skills, and reliability – the same qualities lenders look for in borrowers.
That said, every lender is different. Some weigh rental history more heavily than others, and it’s not a substitute for savings or income proof. But it’s definitely something young tenants can use to their advantage later on.
We once had a young couple – 16 and 17 years old – who moved to Brisbane for work and apprenticeship opportunities. They’d been knocked back over and over again purely because of their age. But they were working, saving, and trying their best to do things right.
When we met them, we saw potential – so we gave them a chance.
At first, we had to “hold their hand” through the process: how to log maintenance, prepare for inspections, and keep rent on schedule. But they learned quickly. They rented the same home for three years, treated it like their own, and the best part – they bought their first home not long after.
When Mum and Dad Are Still on the Lease
Now, not every 15- or 16-year-old is ready to rent solo and that’s completely fine.
In many families, parents remain the main leaseholders and take full financial responsibility. But adding a teen (especially 15+) to the lease can still be a smart move.
It helps them build a rental record early. If the tenancy runs smoothly, rent’s paid on time, the property is cared for, and the family has a positive track record, the teen gets a solid reference from the agency.
That can make all the difference later when they apply for a place with friends, a partner, or even on their own. It gives them a foot in the door and a proven history that makes future agents and landlords more confident approving them.
Why It Matters
Renting isn’t just about paying for a roof over your head, it’s about developing life skills: responsibility, financial discipline, communication, and respect for property.
Starting early, whether independently or alongside parents, can make a real difference. It teaches accountability, gives teens a sense of pride, and creates a track record that genuinely benefits them down the line – even when it comes to buying their first home.
At Flourish, we love seeing those stories – the ones where a little guidance turns into independence, growth, and success.
