In this episode of Money Grows on Trees, Lloyd James Ross breaks down Australia’s new 5% home deposit scheme, and why it might not be the win it seems. He explains how lower deposits can actually mean higher long-term debt, more financial risk, and less flexibility if the market shifts. Lloyd dives into the bigger picture too—how government incentives, immigration, and the property boom are shaping (and straining) the Aussie housing market. Whether you’re thinking of buying or just curious about what’s really going on behind the headlines, this episode will make you rethink what “getting ahead” truly means.

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Timestamps

[00:00:00] Introduction

[00:00:42] The illusion of “helping buyers” and what you’re really buying

[00:01:10] Breaking down Australia’s new 5% deposit policy

[00:02:20] How demand-side incentives push property prices higher

[00:03:00] Why smaller deposits mean bigger long-term debt

[00:04:10] The lessons from America’s 2008 housing crash

[00:05:20] How Australia’s economy is overly tied to property

[00:06:25] The financial risks if rates rise or the market dips

[00:08:15] The truth about the “free lunch” of a 5% deposit