Australian Property Podcast Labor lights rocket under property, the 5% deposit scheme explained
11 snips
Aug 30, 2025 The hosts dive into the launch of a 5% home deposit scheme, aimed to boost first-time buyers by 2025. They discuss the growing mismatch between housing stock and demand, alongside insights on immigration trends affecting the market. AI's potential impact on the workplace and the record-high volume of auctions are highlighted, along with concerns about empty properties in the NDIS. The discussion wraps up with listener questions, touching on vital investment strategies in the ever-evolving property landscape.
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Start Mortgage Prep Now For 5% Deposit Scheme
- Do prepare early with your mortgage broker if you plan to use the 5% deposit scheme from October 1, 2025.
- Act now because documentation and lender assessment take time and early applicants capture the biggest benefits.
Policy Could Pull Demand Forward And Lift Prices
- The expanded 5% deposit guarantee will likely pull forward significant buyer demand and lift prices, especially in capped markets like Sydney.
- Increased price caps plus no LMI create a strong incentive that can amplify price momentum quickly.
Guarantee Acts As A Market Security Blanket
- The 5% guarantee functions as a market 'security blanket' that underpins prices and shifts sentiment for investors and owners.
- That sentiment shift can increase leverage, encourage debt recycling, and push capital into other states later on.