Many young people scrimp and save for their first house mortgage, but some young farmers are investing in cows instead.

They say while it can take 30 years to pay off a house, cows appreciate a lot quicker.

Young farmers Brodie and Kevin Game have found this approach has helped them find their feet in the dairy industry.

Without a farming background they both took a risk throwing in their full-time jobs in order to chase a dream in the dairy industry.

Starting with only five cows the couple is now milking 220 holsteins on their lease in the Bega Valley.

"We milked five cows to rear bull calves. That was just our way of saving a bit of money to buy cows," Brodie Game said.

"After six months we went from share-farming into the the full-blown lease on the farm and that was three years ago now."

Growing the capital needed to get a foothold in the industry is a challenge for many young farmers.

"I think for the finance side of it is a huge challenge. I think it baulks a lot of people," she said.

"Cows aren't a cheap asset but they are an asset that improves very quickly."

"You can spend $300,000 on a house and take 30 years to pay it off, whereas you can spend the same on cows and have it paid off in five years.

"The investment has essentially at least doubled itself in that time.

"The financial side of it was it a big task for us, but rearing those bull calves gave us a head start, " she said.

Ms Game said the goal now was to pay off cows.

"We've already taken a huge chunk out of that already but we still working at it.

"At this stage we're not 100 per cent sure whether buying a farm is the next step for us but we'll work that out along the way.

She said they were keen to help other young people involved in the industry.

"We've learned a lot, grown a lot and met a lot of people — it's an industry that you can achieve so much in."

Searching for the best dairy region in Australia

Kevin Game said that once they decided to become dairy farmers he was willing to move across the country in search of the best farming area.

"I asked our advisor at one point 'Where is the best dairy region in Australia' because we were prepared to go there and his reply was 'There isn't one, every region has it's challenges?," he said.

"Bega certainly has got that its challenges. We can get all our monthly rainfall in the one night" he laughed

He said it was matter of learning to work with that and being prepared for it.

"You know the rainfall is going to come, so you need to work out what you going to do for the period in between.

"I think the bottom line and especially in dairying is this — work hard, expect nothing and good things seem to happen, that's basically what we found."