Market update: How rising prices, tight supply, and new schemes create opportunities for investors

In this episode of The Smart Property Investment Show, co-hosts Liam Garman and Emilie Lauer explore the latest in the Australian property market, including the fast-tracked First Home Guarantee scheme, rate cuts, price trends, and key hotspots.

The duo begins by examining how government policies and economic shifts will reshape the first-home buyers’ market.

The First Home Guarantee scheme, launching on 1 October 2025, will enable buyers to enter the market with a 5 per cent deposit and no lender’s mortgage insurance, and with an increased price cap across different markets.

The co-hosts caution that while the scheme makes entering the property market easier, buyers face 95 per cent mortgages amid rising prices, heightened competition, and potential negative equity.

Additionally, capital cities have been recovering more strongly after interest rate cuts, while regions that have grown rapidly in recent years may stabilise.

Victoria is expected to lead national price growth, with areas like Frankston, Greater Geelong, and Yarra attracting renewed interest from buyers and investors.

With opportunities and risks intensifying, the co-hosts urge investors to ensure careful planning, financial literacy, and professional guidance to navigate the evolving market.

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