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Australia’s First Home Buyer Guarantee Scheme has been significantly upgraded! Originally scheduled to begin in January 2026, it will now be brought forward to October 1, 2025, making it even easier to buy a home in Brisbane! 🏡
The Australian government’s First Home Guarantee Scheme will implement new preferential terms early, starting October 1, 2025. This policy covers both new and existing properties, helping you achieve your homeownership dream faster! 😍
✅ Eligibility: Australian citizens and permanent residents aged 18 and over
✅ No income restrictions: ⭐ No means test required
✅ Unlimited places: No quota required, all eligible first-time homebuyers can apply
✅ Only a 5% down payment required: No need to pay LMI (Lender’s Mortgage Insurance), saving tens of thousands of dollars! 💰 ✅ Higher Property Price Cap: Brisbane and major Queensland regions raise the cap to AUD 1 million
📈New policies will spark a Brisbane property buying boom, with strong government support ensuring continued strong demand for both existing and new properties🔥
Amidst the evolving Australian real estate market, the upgrade to the First Home Guarantee Scheme is undoubtedly the most anticipated policy change this year. Originally scheduled to launch in January 2026, the scheme will now be brought forward to October 1, 2025, driven by the government’s swift response to surging demand in the Brisbane region. With easing inflation and economic recovery, many first-time homebuyers are urgently seeking more flexible options, and existing properties, as a key component of the existing market, are becoming a key area of focus for this policy. As a specialist provider of Brisbane residential properties, Changmei Australia Property is here to analyze the far-reaching implications of this policy, highlighting the golden opportunity for resale in existing properties. If you purchased an existing property in Brisbane earlier, now is the perfect time to resell it through us. Let’s explore this new opportunity together. Looking back at the policy’s evolution, the First Home Guarantee Scheme was designed to provide substantial support to first-time homebuyers and lower barriers to home ownership. The original launch date of January 2026 was based on conservative projections of economic stability, but the Australian real estate market has recovered faster than expected. According to the Australian Bureau of Statistics, Brisbane’s existing property transactions have increased by 20% over the past two years, reflecting demand for affordable, move-in ready properties. The government therefore decided to bring forward the implementation date to inject timely dynamism into the market and benefit more people. Moving the deadline to October 1, 2025, not only means first-time homebuyers can benefit more quickly but also put existing properties at the forefront of the market. The policy clearly states that it applies to both new and existing properties, a key upgrade, as the existing market accounts for over 60% of all transactions in Brisbane. For many homeowners, this presents an ideal opportunity to resell, especially in an environment of steadily rising prices.
The new policy’s specific preferential terms further enhance its appeal. Eligible applicants need only be Australian citizens or permanent residents aged 18 or above, with no income test required, eliminating financial barriers. Unlimited quotas ensure that every eligible individual can apply, while requiring only a 5% deposit and waiving loan insurance (LMI) significantly reduce the cost of purchasing a home. For example, an existing Brisbane strata unit worth AUD 800,000 might have previously incurred AUD 10,000 in LMI, a sum that can now be used for other investments or living expenses. Furthermore, the property price cap has been raised to AUD 1 million, encompassing many of Brisbane’s most sought-after areas, such as inner-city riverfront strata units or garden houses. This is particularly beneficial for existing properties, as these properties are often affordable and well-located, attracting a large number of first-time homebuyers.
However, the real highlight of this policy is the new momentum it creates for resales of existing properties. If you purchased an existing Brisbane property earlier in the year, now is the time to consider reselling. The early implementation of the policy will stimulate demand, as first-time buyers will be able to enter the market with a lower barrier to entry, which will in turn drive up transaction prices for existing properties. Imagine you own a pre-owned garden house in a Brisbane suburb that you purchased for AUD $480,000 years ago. Now, thanks to the market recovery, its value may have increased to AUD $860,000. The First Home Guarantee Scheme makes it easier for buyers to close the deal, and you can realize a substantial profit. According to our data, the average annual return on pre-owned properties in Brisbane is 5-8%, and this policy will further amplify this potential.
This policy upgrade not only provides government support for the economy but also represents a golden opportunity for pre-owned Brisbane property owners to resell. Starting October 1, 2025, the market will enter a new wave of activity, benefiting both new and existing properties. If you own a Brisbane property purchased years ago, don’t miss this opportunity. Changmei Australian Property Betty can help you resell smoothly and maximize the value of your asset. Whether it’s a strata unit or a spacious garden house, our team is ready to tailor a solution for you. Contact us on WhatsApp to start a new chapter in your Australian immigration and property investment journey!
