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Expanded First Home Guarantee Scheme Poised to Elevate Property Prices

Assessing the Impact of New First-Time Buyer Incentives on the Housing Market

Expanded First Home Guarantee Scheme Poised to Elevate Property Prices?w=400

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

As of October 1, 2025, the Australian government's expanded First Home Guarantee Scheme has come into effect, introducing significant changes designed to make homeownership more accessible for first-time buyers.
Key modifications include the removal of income caps, increased property price limits, and the elimination of restrictions on the number of guarantees available.

These enhancements are anticipated to stimulate demand among first-time buyers, potentially leading to upward pressure on property prices. In September, national dwelling values climbed by 0.8%, marking the eighth consecutive monthly increase, according to property research firm Cotality. Experts suggest that the influx of buyers utilizing the scheme's benefits could further accelerate this trend.

For individuals considering entering the property market, it's essential to weigh the advantages of the expanded scheme against the possibility of rising prices. Prospective buyers should conduct thorough research, assess their financial readiness, and consider seeking professional advice to navigate the evolving landscape effectively.

Published:Monday, 24th Nov 2025
Source: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

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Mortgage:
A loan in which the borrower (the mortgagor) offers a property and land as security to the lender (the mortgagee) until the loan is repaid. Repayments of the loan are usually made on a monthly basis over a long period of time, typically 25 years.