01/04/2026
Most first home buyers donβt know this has changed. π
Since October 2025, the Governmentβs 5% Deposit Scheme has:
β No income caps
β No waitlist β open to ALL eligible first home buyers
β No Lenders Mortgage Insurance (LMI)
β Sydney property price cap raised to $1.5M
β Single parents can buy with just a 2% deposit
Yes, rates are at 4.10% right now. But the deposit barrier β the thing that stops most people getting started β has never been lower.
If youβve been sitting on the sidelines waiting for the βright timeβ, this might be it.
π¬ DM me and Iβll walk you through whether you qualify and what you could borrow.