The 5% Deposit Scheme in the spotlight – and could it help you get into the property market?

Trent and Simon break down the First Home Guarantee (5% Deposit Scheme), explaining how it works, what’s changed, and who it really benefits.

From higher price caps and unlimited places to the real-world risks around affordability and mortgage stress, this episode delivers practical, on-the-ground insights from property and lending experts .

Topics covered:

• What the 5% Deposit Scheme actually is (and why it’s not new) 

• Key changes in 2025/2026: removal of income caps, unlimited places, higher property price limits 

• How the government guarantee replaces LMI and impacts interest rates 

• Who’s eligible (including single parents and non-first-home buyers) 

• The reality of affordability, compromise, and why your first home doesn’t need to be your forever home 

• Risks to watch: mortgage stress, servicing limits, and rising prices under capped schemes 

• Considerations for self-employed buyers and non-PAYG income 

Connect with Trent & Simon:

Trent Cripps: https://www.linkedin.com/in/trent-cripps-9437488/

Simon Podger: https://www.linkedin.com/in/simon-podger-630a9734/

Get in touch:

Instagram: https://www.instagram.com/sevenfoldproperty/

LinkedIn: https://www.linkedin.com/company/sevenfoldproperty

YouTube: https://www.youtube.com/@SevenfoldPropertyGroup

Email: [email protected]

Learn more:

Sevenfold Property: https://www.sevenfoldproperty.com.au/

Your Future Strategy: https://yourfuturestrategy.com.au/

Disclaimer:

https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/