If you’ve been watching the property market closely—like we have—you’ll know that the 2025 federal election wasn’t just about leadership. It brought with it some of the most significant changes to Australia’s housing policy in over a decade. And whether you’re a first-home buyer, an investor, or just someone curious about where things are headed, these updates matter.
Here’s our take, as someone in the trenches every day helping buyers navigate this changing landscape.
The Albanese government's re-election set the stage for a pretty ambitious housing reform plan. The focus? Affordability, accessibility, and supply. And if you’re in the market—or planning to be—these changes will absolutely influence when, where, and how you buy.
At Homez Buyers Advocacy, we’ve already started preparing clients for what’s coming. Let’s walk through the key updates.
This one’s big. Starting in January 2026, eligible first-home buyers will only need a 5% deposit—and they’ll avoid paying Lenders Mortgage Insurance (LMI) altogether.
This could open the door for thousands of buyers who’ve been sitting on the sidelines. But keep in mind: more buyers = more competition, especially in affordable suburbs.
The government has promised to deliver 100,000 new homes between 2027 and 2028. Great news, but let’s be realistic—land availability, infrastructure, and labour shortages may slow things down. I wouldn’t count on this fixing the supply crunch overnight.
A two-year ban on foreign buyers purchasing existing homes is being introduced. It’s designed to reduce competition and ease some of the pricing pressure, particularly in tightly held suburbs.
This might create a short-term window of opportunity for local buyers. If that’s you, now’s the time to get serious.
If you haven’t heard about this yet, the Help to Buy scheme lets eligible buyers co-purchase a property with the government—meaning you borrow less and need a smaller deposit.
This expansion is welcome news for buyers who can afford repayments but struggle with upfront costs.
More funding is being pushed into social and affordable housing, with a focus on areas under the most pressure. While this won’t impact every buyer directly, it’s a positive step in rebalancing the supply landscape.
To get new homes off the ground faster, the government is backing infrastructure funding and streamlined planning approvals at the state and local level. For growth corridors and regional centres, this could mean faster development—and more choice for buyers.
A quiet but important move: foreign investors will lose some capital gains tax exemptions, encouraging them to sell back to the local market. More listings = more opportunities.
Once the 5% deposit scheme goes live, expect demand to spike—especially in the sub-$750k bracket. If you’re thinking about buying, now might be the time to act before that wave hits.
Areas with fast-tracked infrastructure and more land to build on are likely to see the most action. That’s where we’re already helping clients secure great off-market deals.
With all this change, flying blind isn’t a good idea. Timing your purchase, choosing the right location, and negotiating smartly will all matter more than ever.
Here’s how we’re guiding our clients right now at Homez Buyers Advocacy:
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The market’s changing, no doubt about it. But if you’re prepared, this could be the perfect time to act.
Book your free 10-minute strategy session with Homez Buyers Advocacy, and let’s talk about your goals, your budget, and your path forward.
In our view, Labour’s 2025 housing reforms are the biggest shake-up we’ve seen in years. For buyers who know where to look and how to act, this is a chance to get ahead of the curve—not play catch-up later.
If you’re ready to make a confident move, let’s chat.
#PropertyMarket2025 #FirstHomeBuyerAustralia #BuyersAdvocate #HelpToBuyScheme #ForeignBuyerBan #HomezAdvocacy
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Disclaimer: Subject to revision as new policies are established.
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‍Information Credits: abc.net.au, news.com.au, theaustralian.com.au, futurerent.com.au, propertyupdate.com.au, realestate.com.au
