{"id":16758,"date":"2025-08-28T16:11:02","date_gmt":"2025-08-28T04:41:02","guid":{"rendered":"http:\/\/quantiphy.com.au\/oldbackup\/?p=16758"},"modified":"2025-08-28T16:11:02","modified_gmt":"2025-08-28T04:41:02","slug":"5-deposit-scheme-expands-early-will-it-increase-house-prices","status":"publish","type":"post","link":"https:\/\/quantiphy.com.au\/oldbackup\/5-deposit-scheme-expands-early-will-it-increase-house-prices\/","title":{"rendered":"5% deposit scheme expands early \u2013 will it increase house prices?"},"content":{"rendered":"<p>The popular Home Guarantee Scheme that lets first home buyers get into the market with just a 5% deposit has been expanded sooner than expected. But an unexpected twist means first home buyers may want to bring forward their buying plans.<\/p>\n<p>The\u00a0<a href=\"https:\/\/www.housingaustralia.gov.au\/home-guarantee-scheme\" target=\"_blank\" rel=\"noopener noreferrer\">Home Guarantee Scheme<\/a>\u00a0(HGS) allows first home buyers to buy with just a 5% deposit \u2013 and not pay lenders mortgage insurance.<\/p>\n<p>At present, the HGS is only available to first time buyers who meet various conditions around personal income and the price they pay for their home. There are also annual limits on the number of buyers who can access the scheme.<\/p>\n<p>The HGS was due to be expanded in 2026 to allow all first home buyers to buy a home with as little as a 5% deposit.<\/p>\n<p>This week saw these changes brought forward to 1 October 2025.<\/p>\n<p>It\u2019s great news for first home buyers who may not previously have been eligible for the HGS. However, as we\u2019ll see, it could also be the cue to bring forward your buying plans.<\/p>\n<h3>How the 5% deposit scheme works<\/h3>\n<p>As\u00a0<a href=\"https:\/\/www.cotality.com\/au\/insights\/articles\/values-rise-across-every-capital-as-growth-cycle-warms-up\" target=\"_blank\" rel=\"noopener noreferrer\">home prices rise<\/a>, it\u2019s no mean feat pulling together the funds needed for a 20% deposit.<\/p>\n<p>So it\u2019s no surprise the HGS has proven very popular.<\/p>\n<p>Since launching in 2020, the scheme has\u00a0<a href=\"https:\/\/www.housingaustralia.gov.au\/media\/50000-new-home-guarantee-scheme-places-available-support-and-accelerate-home-ownership\" target=\"_blank\" rel=\"noopener noreferrer\">helped more than 230,000 first home buyers<\/a>\u00a0enjoy the rewards of home ownership with a deposit as low as 5%.<\/p>\n<p>While the HGS doesn\u2019t involve a cash payment to first home buyers, it can help you save in other ways.<\/p>\n<p>As the federal government guarantees part of your home loan, this waives the need for lenders mortgage insurance \u2013 a saving that can be worth\u00a0<a href=\"https:\/\/www.pm.gov.au\/media\/albanese-government-delivers-5-deposits-all-first-home-buyers-sooner\" target=\"_blank\" rel=\"noopener noreferrer\">tens of thousands of dollars<\/a>.<\/p>\n<h3>How the 5% deposit scheme is changing<\/h3>\n<p>From 1 October, all first home buyers will have access to apply for the HGS.<\/p>\n<p>The current\u00a0<a href=\"https:\/\/www.pm.gov.au\/media\/albanese-government-delivers-5-deposits-all-first-home-buyers-sooner\" target=\"_blank\" rel=\"noopener noreferrer\">caps on the number of places, and income limits, will be scrapped<\/a>.<\/p>\n<p>The scheme\u2019s\u00a0<a href=\"https:\/\/www.housingaustralia.gov.au\/media\/unlimited-places-higher-property-price-caps-first-home-buyers-1-october-2025\" target=\"_blank\" rel=\"noopener noreferrer\">property price limits will also be set higher<\/a>, providing access to a greater variety of homes.<\/p>\n<p>In addition, the Regional First Home Buyer Guarantee will be replaced by the First Home Guarantee.<\/p>\n<p>Minister for Housing Clare O\u2019Neil says these changes are all about getting more people into their first home sooner.<\/p>\n<div class=\"bt_bb_row\" data-structure=\"12\">\n<div class=\"bt_bb_column col-md-12 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"12\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_row_wrapper bt_bb_row_width_boxed_1200\">\n<div class=\"bt_bb_row\" data-structure=\"2-4-4-2\">\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_text\">\n<h6>Speak To An Expert<\/h6>\n<p>Schedule in a time to discuss your situation with a home loan specialist<\/p>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_button bto btop bt_bb_icon_position_left bt_bb_color_scheme_14 bt_bb_style_filled bt_bb_width_inline bt_bb_shape_inherit bt_bb_size_normal bt_bb_align_inherit\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_normal&quot;,&quot;xl&quot;:&quot;normal&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_inherit&quot;,&quot;xl&quot;:&quot;inherit&quot;}}\"><a class=\"bt_bb_link\" title=\"BOOK IN A CALL\" href=\"\/finance\/book-a-chat-with-tommy-biller\/\" target=\"_self\" rel=\"noopener noreferrer\"><span class=\"bt_bb_button_text\">BOOK IN A CALL<\/span><\/a><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<h3>Why consider bringing forward buying plans?<\/h3>\n<p>The early expansion of the HGS may provide a valid reason to bring forward your buying plans.<\/p>\n<p>The Insurance Council of Australia says the expansion of the scheme\u00a0<a href=\"https:\/\/insurancecouncil.com.au\/resource\/home-guarantee-expansion-will-inflate-prices-harm-those-it-aims-to-help\/\" target=\"_blank\" rel=\"noopener noreferrer\">could see house prices rise up to 10% in the first year alone<\/a>\u00a0in markets preferred by first home buyers.<\/p>\n<p>Nationally, it predicts prices could rise 3.5-6.6%.<\/p>\n<p>The logic here is that the expanded scheme may create more buyer demand in Australia\u2019s already undersupplied housing market, thereby pushing up prices.<\/p>\n<h3>Talk to us to find out if you\u2019re home loan ready<\/h3>\n<p>The reality is that no one can say for sure how home prices will rise in the future.<\/p>\n<p>What we can say, though, is that most people find it more rewarding to pay off their own home than they do their rent.<\/p>\n<p>Remember too, you can still apply for the HGS before 1 October, as long as you meet the income caps and current property price limits.<\/p>\n<p><a href=\"http:\/\/quantiphy.com.au\/oldbackup\/finance\/book-a-chat-with-tommy-biller\/\">Book in a call<\/a> today to see if you could buy with a 5% deposit. You could be home loan ready right now!<\/p>\n<p><strong>Disclaimer:<\/strong>\u00a0The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The popular Home Guarantee Scheme that lets first home buyers get into the market with just a 5% deposit has been expanded sooner than expected. But an unexpected twist means first home buyers may want to bring forward their buying plans. The\u00a0Home Guarantee Scheme\u00a0(HGS) allows first home buyers to buy with just a 5% deposit&#8230;<\/p>\n","protected":false},"author":4,"featured_media":16759,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,6],"tags":[],"class_list":["post-16758","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>5% deposit scheme expands early \u2013 will it increase house prices? - Quantiphy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/quantiphy.com.au\/oldbackup\/5-deposit-scheme-expands-early-will-it-increase-house-prices\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5% deposit scheme expands early \u2013 will it increase house prices? - Quantiphy\" \/>\n<meta property=\"og:description\" content=\"The popular Home Guarantee Scheme that lets first home buyers get into the market with just a 5% deposit has been expanded sooner than expected. 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