『43 - Market Update: 5% Deposit Scheme Changes and How to Get Spring Ready』のカバーアート

43 - Market Update: 5% Deposit Scheme Changes and How to Get Spring Ready

43 - Market Update: 5% Deposit Scheme Changes and How to Get Spring Ready

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There's a lot of noise in the market right now. The federal budget changes are locked in, the media coverage has turned negative, and first home buyer loan applications have actually dropped rather than risen. If you're planning to buy your first home, it's hard to know what any of that means for you.In this episode, Jack Elliott and Chris Bates give a market update on where things really stand post-budget, and why a nervous market can work in a first home buyer's favour. They also run through the three changes that came into effect on 1 July under the First Home 5% Deposit Scheme: higher property price caps in some areas, easier refinancing rules, and a new cap on how much you can retain in savings after settlement. Jack shares a client situation from last week showing how the retained savings change plays out in practice, and why the answer depends on both the scheme rules and the lender you choose.Then there's what you can actually control. Spring listings are coming, and the buyers with a plan in place can act straight away while the ones starting from scratch are weeks behind before they've even inspected a property.In this episode:🔑 What's really happening in the market now the budget changes are locked in🔑 The new price caps and which regional areas can now access the higher $1.5 million cap🔑 What changed with refinancing under the scheme and why the switch is now easier🔑 The new cap on retained savings, and why each lender sets its own limit underneath it🔑 The five step roadmap to get yourself spring ready before listings pick upTimestamps00:00 - Where the Market Really Sits Post Budget05:44 - What Investors Are Doing and What It Means for You07:29 - Is It Actually a Good Time to Buy?09:57 - What Changed on 1 July: The New Price Caps12:43 - Refinancing Under the 5% Deposit Scheme13:45 - Retained Savings: The New Cap and a Client Example17:10 - Why Lender Choice Matters More Than the Cheapest Rate18:39 - The Five Step Roadmap to Get Spring Ready24:51 - Why is it Important to Get Spring Ready?26:45 - Final Thoughts and Wrap UpReady to start your own first home journey? Book a Get to Know You Chat with Jack, mortgage broker and National First Home Buyer Specialist.Free ResourcesGoals & Visions WorkbookMentioned EpisodesEpisode 1: Unlocking Your Goals and VisionEpisode 6: Unlocking Asset QualityEpisode 10: Unlocking the 5% Deposit SchemeEpisode 37: Unlocking the 2026 Federal BudgetEpisode 39: Unlocking the Real Risk of Buying with a 5% Deposit and How to Protect YourselfEpisode 41: Unlocking Buyers Agents: What First Home Buyers Need to KnowEpisode 42: How to Choose a Quality First Home: A Buyers Agent's ChecklistWant to keep the conversation going?👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱 Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au
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