First Home Buyer Grants just changed. Here’s what it means for you!

The Albanese Government has shaken up the property market by bringing forward the new First Home Buyer Guarantee, and this could be your best chance to get into the market before prices surge. For first-time buyers and property investors, these changes open doors that were previously out of reach.

In this episode, we reveal exactly how you can buy with just a 5% deposit, avoid Lenders Mortgage Insurance (LMI), and take advantage of the new state-by-state price caps. We also explain why waiting could cost you tens of thousands in missed growth.

Here’s what you’ll learn:

  • 🏡 State-by-state breakdown of new price caps (Sydney up to $1.5M!)

  • 💰 How to calculate your deposit, stamp duty, and buying costs in 2025

  • 📈 The price of waiting and why delaying could cost $100K+

  • 🚫 The biggest mistakes first home buyers make and how to avoid them

📘 If you’re a first-time buyer, grab your copy of The Happy Home Loan Handbook! 

👉 Book your pre-approval session and get in before the next property boom!

We talk about:

00:00What the 2025 First Home Buyer Guarantee Means
01:20Price Caps Jump: What You Can Buy in Each Market
04:08Do First Home Buyer Grants Push Up Prices?
05:22Why Government Incentives Ignite Demand
07:12Unlimited Scheme Places + No Income Caps
10:49State-by-State Price Caps
12:17How Lifestyle Buyers Can Take Advantage in 2025
18:43Deposit & Income Requirements with Real Examples
21:21What to Budget For Before Buying
23:35How the LMI Waiver Levels the Playing Field
25:01Why Some Banks Aren’t Ready for These Changes
29:20Step-by-Step Guide to Buying with Minimal Deposit
32:13How Brokers Assess Income for Pre-Approval
34:10Property vs Loan: What Really Matters Most
36:03Stop Obsessing Over Rates, Focus on the Right Property
39:08The Risk of Playing Too Safe with Your Budget
40:12How ‘Scary’ Debt Can Build Long-Term Wealth
43:07Why Property Prices Could Jump 10% in the Next Year
46:37Why You Can’t Save Fast Enough to Beat Price Growth
47:41Free First Home Buyer Book & Next Steps to Get Started

About Aaron:

Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years. 

With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron’s decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth. 

Connect with Aaron:

Visit the website: https://atelierwealth.com.au/

Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/

Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavid

Follow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/

Subscribe to Atelier Wealth’s YouTube Channel: https://www.youtube.com/@atelierwealth_au