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Listen "#28 The TRUTH About the Government’s UPDATED 5% Deposit Scheme"
Episode Synopsis
From October 2025, the Australian Government’s Home Guarantee Scheme is being completely overhauled — and it could change the game for first home buyers. No income caps, no place limits, higher price caps, and access with just a 5% deposit. Sounds too good to be true?
In this episode, Dion sits down with mortgage broker David Pelligra to break down what these changes really mean. They cover:
Why the removal of income caps is such a big deal
How higher price caps could affect markets like Melbourne and Sydney
Whether buyers should be worried about a flood of competition
The risks of buying with a 5% deposit (and what lenders don’t tell you)
The biggest mistakes buyers are making right now with the scheme
If you’re a first home buyer, or even thinking about jumping back into the market, this is the guide you need before October.
In this episode, Dion sits down with mortgage broker David Pelligra to break down what these changes really mean. They cover:
Why the removal of income caps is such a big deal
How higher price caps could affect markets like Melbourne and Sydney
Whether buyers should be worried about a flood of competition
The risks of buying with a 5% deposit (and what lenders don’t tell you)
The biggest mistakes buyers are making right now with the scheme
If you’re a first home buyer, or even thinking about jumping back into the market, this is the guide you need before October.
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