Are you tired of watching property prices climb faster than your savings account?
From 1 October 2025, the government is removing the biggest roadblocks stopping first-time buyers from getting into the market.
This is your chance to finally step into your own home with as little as a 5% deposit and no lenders mortgage insurance (LMI).
🚨 What’s Changing (And Why It Matters to You)
Here’s what makes this expansion the most powerful reform we’ve seen in years:
✅ No More Income Caps - whether you’re single or a couple, your income won’t hold you back.
✅ No More Annual Limits - previously, only 50,000 buyers could access the scheme each year. From October, there’s no ceiling.
✅ Property Price Caps Lifted - you can now buy in major cities at realistic market values:
• Sydney: up to $1.5M
• Melbourne: up to $950K
• Brisbane & Canberra: up to $1M
• Adelaide: up to $900K
• Perth: up to $850K
• Regional areas: $400K - $800K
✅ Low Deposit Options Stay at just 5% down for first-time buyers, or as little as 2% for single parents.
💡 What This Means for You
Imagine this: instead of spending the next 5 to 10 years scraping together a 20% deposit, you could be living in your own home before Christmas.
Every month you wait means higher prices, tougher competition, and more rent out of your pocket.
With these new reforms, there are no excuses left.
⚠️ The Catch (and How We Help)
Yes, there are risks. Analysts warn this surge in demand could push prices higher in the short term. And loans with just a 5% deposit carry greater default risk if you’re not financially prepared.
That’s why you need a trusted broker to help structure your loan strategically, protect your cash flow, and keep your long-term wealth goals on track.
At Mortgage Achievers, we’ve been helping Australians step into their first homes for over 30 years. We know the schemes, the lenders, and the strategies to set you up for success.
🚀 Ready to Act?
This reform is your opportunity to stop renting, stop waiting, and start building wealth through property ownership.
👉 Book a free strategy session today with Mortgage Achievers and let’s get you home sooner.