Phrogging (pronounced “frogging”) is when someone is living in your home while you are there (creepy!).

As scary as it sounds, this really does happen, usually by people who are homeless, seeking refuge in attics, basements, or sheds.

Does phrogging really happen?

Unfortunately, phrogging does happen. Often it can occur if a tenant is evicted from a property and never leaves, or is homeless.

This makes it increasingly important for inspections and eviction processes to be conducted thoroughly and correctly.

The term phrogging comes from the word “frog” and refers to phroggers jumping from place to place.

In Australia, cases of phrogging are extremely rare, however there have been instances such as in January 2021 in Queensland when a mother discovered a man had been living in her ceiling for weeks.

In other countries, cases are more common, with many celebrities and wealthy people reporting instances of people living in their homes unknowingly.

Where can someone live without you knowing?

If you own a large home, there are rooms and places throughout the house that may not be touched for months.

Places like attics, basements or even unused garages can be safe refuge for those unable to find a home.

Additionally, built-up homes with unfinished or open areas under the home can also be attractive to phroggers.

It’s also possible to occur if you own an investment home or holiday home that is empty sometimes during the year.

This makes it all the more important to have adequate security in your home.

How to prevent phrogging?

It’s may be worth taking some simple precautions to make sure phrogging doesn’t happen in your home.

Security cameras, especially visible ones, are an effective measure to prevent unwanted phroggers.

You should also conduct checks of your property, including your garage, shed, and attic/basement.

If you ever lose/misplace your keys, it’s a good idea to change the locks.

If you are away for an extended period of time or have a holiday home sitting vacant, consider having a neighbour or relative check the property every now and then to make sure no doors/windows have been opened or unlocked.

As rare as phrogging is, you can never be too careful, and making sure you always check your property will give you the peace of mind that you have no unwanted guests.


Buying a home or looking to refinance? The table below features home loans with some of the lowest interest rates on the market for owner occupiers.

Update resultsUpdate
LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees LVR Lump Sum Repayment Additional Repayments Split Loan Option TagsFeaturesLinkCompare
6.04% p.a.
6.06% p.a.
Principal & Interest
Featured 4.6 Star Customer Ratings
  • No monthly or ongoing fees
  • Unlimited free redraw
  • No application fee
5.99% p.a.
5.90% p.a.
Principal & Interest
Featured Apply In Minutes
  • No application or ongoing fees. Annual rate discount
  • Unlimited redraws & additional repayments. LVR <80%
  • A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
6.09% p.a.
6.11% p.a.
Principal & Interest
Featured Unlimited Redraws
  • No annual fees - None!
  • Get fast pre-approval
  • Unlimited additional repayments free of charge
  • Redraw freely - Access your additional payments when you need them
  • Home loan specialists available today
Important Information and Comparison Rate Warning

Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of . View disclaimer.

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