How Investors Can Capitalise On The Latest Changes To The First Home Buyer Scheme
One of the best tools an investor can have is accurate thinking.
It’s the ability to see something changing, and figure out a way to make money from it.
Right now there are big changes coming to the first home buyer’s scheme.
And it’s about to open up huge opportunities for investors who know what’s coming, and how to play their cards.
First, here’s what’s changing on October 1st 2025.
- No place limits. If you’re a first home buyer with a 5% deposit, you can apply. It’s no longer limited to a set number of places.
- No income caps. The scheme is no longer limited to people on lower incomes. Anyone on any income can access this scheme, no matter how much you earn
- Higher property price caps. This scheme is still limited to houses under a set price. But that price has been increased in most locations.
And there won’t be any LMI (Lenders Mortgage Insurance) payable either, even with a 5% deposit.
How Investors Can Work This In Their Favour
What these changes mean is that certain areas and property types will experience more demand than usual.
But not all areas are going to work. I’ll explain why in a second.
And the right properties can be a huge opportunity for investors.
After all, when more buyers want something, the price goes up.
And this means higher than normal capital growth.
But like I say, you need to be careful.
You Won’t Make Money From Every FHB-Friendly Suburb
One of the big traps here is assuming that every first home buyer suburb will suddenly be a goldmine.
Some suburbs are likely to be overwhelmed with demand straight away.
That’s because they’re cheap and there are lots of houses going up.
However, most of these don’t have much else going for them. They’re not close to infrastructure like medical centres, established schools or parks.
Many are a traffic jam waiting to happen.
And a lot are miles from where the jobs are.
If you buy there you’ll pay too much. What’s going to happen is demand’s going to soar initially because prices are low.
But it’ll level out pretty quickly as soon as prices go up as buyers head for the next ‘cheap’ area.
On the other hand, there are going to be some exceptional opportunities.
These are going to be suburbs which offer exceptional value in the long term, and where demand is going to remain strong.
This is a much rarer beast, but they certainly exist.
Find these suburbs, and they’ll give you exceptional capital gains for years to come.
We identified a number of these in our latest Skyrocket 2025 Report. And if you don’t have a copy yet (or you’ve lost it), you can fix this up by clicking here and downloading a copy.
Done Right, This Could Be An Incredible Opportunity For You
From what I’m seeing, a lot of investors see the same opportunity.
However, most of them are going to mess it up.
They’ll rush out and buy where everyone else is buying, then when the tide goes out they’ll be left high and dry.
The way to do this is to invest in the right types of properties in the right suburbs.
And these suburbs are the ones which offer long term opportunities, not short term hype.
Curious About How To Make The Most Of It?
When you want to know the best places to invest, and how to do it, you’re invited to spend some time on a Google Meet with one of our Senior Property Wealth Planners.
They’ll help determine your ability to replace your income by investing in real estate.
They’ll map out an overview of what you should do, and when.
And show you which first-home-buyer friendly suburbs you should invest in.
They’ll also answer any questions you have.
There’s no cost for this either.
We do it in the hopeful expectation that if you decide to invest, you’ll ask us how we can help you.
No obligation, no pressure.
First things first.
Enter your details below, and we’ll contact you to book in a time.