In this episode of The Smart Property Investment Show, Phil Tarrant and Liam Garman explore how housing policies are set to shape the property market in the wake of the federal election, which saw Prime Minister Anthony Albanese’s Labor government re-elected. The duo unpack Labor’s central first home buyer policy, which allows buyers to enter the market with a 5 per cent deposit scheme, with the government covering the remaining 15 per cent to avoid lenders mortgage insurance. They also examine Labor’s pledge to build 100,000 homes under the Future Housing Fund, aimed at easing supply pressures. Despite these measures, a projected shortfall of 500,000 homes by 2029 raises concerns about long-term affordability. For investors, the continuation of negative gearing and capital gains tax discounts offers some stability. However, easier access to credit could increase competition, driving prices higher and favouring current owners. The duo also highlight construction challenges, including labour shortages and rising costs, which may delay new supply. Additionally, they discuss the proposed superannuation tax changes on unrealised gains above $3 million, which could reshape investment strategies.