[Buying a property in Australia] Brisbane, Australia: The new 5% down payment policy has led to a sharp increase in demand for residential properties

[Buying a property in Australia] Brisbane, Australia: The new 5% down payment policy has led to a sharp increase in demand for residential properties

Prime Minister Anthony Albanese has pledged to expand a scheme that will allow first-home buyers to purchase Australian homes with a 5 per cent deposit. The new policy will revitalize the real estate market, especially for those with Australian citizenship. This policy allows you to easily buy your ideal home by paying only a 5% down payment. This will inspire more people to rush into the market, driving up demand and thus pushing up property values. As your professional Australian property consultant, Betty from Cheong Mei Australian Property will explain to you step by step why now is the time to invest in the Brisbane property market. Let us analyze the opportunities behind this.

Firstly, the policy makes it easier to buy a house, especially for Australians who only need a 5% down payment. From January 2026, first-time homebuyers will be able to pay just 5 per cent for a down payment, with the government guaranteeing the rest, eliminating the need for expensive mortgage insurance. This is great news for people with Australian citizenship! For example, to buy a property worth AUD$850,000 in Brisbane, you only need to prepare a down payment of about AUD$42,500 to enter the market quickly. Betty would like to emphasize that this policy is designed specifically for Australian citizens: as long as you are an Australian citizen, have never owned a property, and plan to live there yourself, you can enjoy this benefit. In the past, people might have had to save 10-20% for a down payment and spend several years preparing; now, with Australian citizenship, only 5% is required, which can greatly shorten the waiting period. In addition, from 2026-27, each taxpayer will be able to automatically deduct A$1,000 from their tax to reduce the financial burden and allow more young families to participate easily. As a popular city in recent years, Brisbane’s population continues to grow. Many buyers were previously deterred by the high down payment threshold; now, this policy will attract more people to the market, especially in prime areas affected by the 2032 Olympics, such as the Brisbane River, South and North. As a representative of Chang Mei Australia Properties, I see that this will stimulate local developers to speed up their projects, giving you more options to get on board.

Secondly, when demand rises, Brisbane property values will naturally rise, which is a great opportunity for investors. Judging from historical data, the more active the market, the higher the price. The government predicts that the policy will allow first-time buyers to purchase homes faster and increase transaction volume. In Brisbane, property prices have started to rise and the average value could increase by more than 15% in the next five years, especially in new development areas such as Logan or Ipswich. If you have Australian citizenship, you can easily buy a property with just a 5% down payment. The policy has lowered the threshold, allowing more people to enter the market, and the rental market will become more prosperous. The Albanese government’s scheme is practical, with no income cap or quota restrictions, making Brisbane an investment hotspot. For investors, this means the dual benefits of house appreciation and stable rents. Betty recommends that everyone pay attention to areas with convenient transportation, where property values are expected to increase by more than 5% each year.

If you are interested in Australian property investment or immigration, Betty is happy to help you! Please contact Cheong Mei Australia Property immediately. We can provide professional consultation and help you choose the most suitable property. Don’t miss out on the 2026 policy, entering the market early can bring more returns to your investment portfolio. Welcome to WhatsApp or email me to explore your dream home together!

【澳洲買樓】買樓比租樓真的更慳錢嗎? 2025 年布里斯本升學與移民的最佳策略

According to the latest data from Domain, an authoritative real estate platform in Australia, it is expected that by 2025, the price growth of stratified units in major Australian cities will exceed that of detached houses. Nicola Powell, head of economics and research at Domain, pointed out that this trend will bring new trends to the real estate market, especially for new buyers who are interested in buying a home, because the prices of stratified units (Apartments) and garden villas (Townhouses) are still relatively attractive to buyers.

Powell noted: “Historically, former houses have generally outperformed strata units in terms of capital growth. However, nothing is absolute and by 2025, we expect strata units in Brisbane, Australia, to outperform houses, which is a rare occurrence.” According to Domain’s year-end summary report, house prices in Brisbane are expected to rise by 5% to 7%, while strata unit prices will rise by 7% to 9%. This makes Brisbane one of the only major cities where strata unit values will grow faster than houses, while strata unit and house values in other cities will grow at similar rates.

Powell analysis points out that this trend will make strata units more attractive for shopping, especially for young buyers to enter the market more convenient. For first-time homebuyers, this will provide opportunities for capital growth and help open their investment path in the real estate market. In contrast, as the price of detached houses continues to rise, the pressure on first-time homebuyers to buy detached houses is gradually increasing. Therefore, it is expected that the growth trend of strata unit values will encourage more people to consider strata units as the first choice for entering the real estate market.

In the past, the Australian real estate market preferred detached houses, reflecting the desire for traditional detached houses and land. However, with the economic pressure and changes in population structure, stratified units have gradually become the mainstream choice. In addition, some buyers have also begun to choose townhouses to replace independent houses with land. If you want to know more about the real estate market in Brisbane, Australia, please contact Betty, Changmei Australia Property, to get the latest market information!