First Home Buyers Australia 2025: Big LMI Changes & New Deposit Rules
Release Date: 09/01/2025
Homeowners: This Is How You Buy Property With ZERO Deposit in Australia
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down one of the most powerful wealth-building strategies in Australian real estate: how everyday homeowners are using equity in their existing home to buy investment properties with zero cash deposit. Most Australians assume they need years of savings to buy an investment property — but many are already sitting on usable equity without realising it. In this episode, Brad and Aaron explain step-by-step how investors are extracting equity from their owner-occupied home, structuring loans correctly, and using that...
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Scrapping CGT Discounts Could Crash Australia's Rental Market — Here's Why
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie unpack the growing debate around scrapping capital gains tax (CGT) discounts in Australia — and whether this move would actually fix housing affordability or make the crisis even worse. With mounting pressure on the government to reform CGT, many argue that pushing investors out of the market will help first-home buyers. But is that really how the Australian property market works? In this episode, we break down: 👉Why removing CGT discounts may reduce rental supply, not prices 👉Who property investors really...
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Inflation Returns to Australia—Will the RBA Be Forced to Hike?
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down why inflation is rising again and what it could mean for Australia’s interest rates in 2026. With electricity prices, rent and housing costs keeping inflation elevated, the big question is: will the RBA hike in February 2026, or hold and reassess mid-year? We unpack the key drivers behind the latest inflation headlines, why rate rises don’t fix electricity prices, and what the Big Four banks are predicting (with opinions split). If you’re a homeowner, investor, or planning to buy, this episode focuses on...
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These are Australia’s BIGGEST Property Sales of 2025 (Up to $82.5M!)
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the Top 5 property sales of 2025 — including Sydney’s record $82.5M waterfront deal in Rose Bay, an $81M Barangaroo penthouse, and more jaw-dropping prestige sales across Vaucluse, Bellevue Hill, and Mosman. If you follow Sydney luxury real estate, waterfront homes, and high-end property investing, this episode is packed with insights on scarcity, record pricing, buyers’ agents, and how “manufacturing equity” through renovations applies from $50M homes all the way down to everyday investors. 🔍 Key...
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Newcastle & Lake Macquarie 2026: Which Suburbs Will Explode in Value?
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the Australia property market outlook for 2026, with a deep dive into Newcastle and Lake Macquarie. We analyse suburb-level data, long-term price trends, and the key infrastructure projects shaping growth over the next few years — including transport upgrades, hospital expansion, rezoning changes, and population growth drivers. Rather than broad national headlines, this episode focuses on where the real opportunities are forming and why some suburbs will outperform others as we move into 2026. 🔍 Key Topics...
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Buying a Home in Australia? This Is What Banks REALLY Look At
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down what banks really look at when approving a home loan in Australia — and why having a big deposit alone is no longer enough. If you’re planning to buy a home in 2025 or 2026, this episode is essential viewing. We explain how lenders assess your spending habits, credit score, borrowing power, and financial behaviour, and why so many buyers are shocked when their loan is rejected. In this episode, we cover: Why banks rely on the Household Expenditure Measure (HEM) How your spending habits impact borrowing...
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Australia Property Market 2026: Inflation High, Rates Stuck—Now What?
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down why the RBA has held interest rates, why inflation remains stubbornly high, and what this really means for Australia’s property market moving into 2025 and 2026. We unpack the key drivers behind the RBA’s decision, including rising electricity prices, cost-of-living pressures, and why rate hikes don’t always fix inflation. The discussion also dives into the latest APRA changes, including debt-to-income (DTI) limits, tighter trust lending rules, and how these policies could impact investors, first-home...
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Australia Property Market 2026 Predictions: Price Boom or Slowdown?
Talk Property To Me Podcast
In this episode of Talk Property To Me, Brad East and Aaron Downie break down Australia’s 2026 Property Market Forecast using the latest SQM Research Boom & Bust Report. We analyse population growth, supply shortages, dwelling completions, and city-by-city price predictions to explain what buyers and investors should expect in 2026. Australia is heading into another major year for real estate, with 390,000 new migrants, tight vacancy rates, and a national housing shortage continuing to shape prices. In this episode, we unpack why Perth, Brisbane, Darwin, Adelaide and the Sunshine Coast...
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Units vs Houses in 2026: The Investment Trend No One Is Talking About
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down one of the biggest debates in the Australia property market 2026: Are houses still outperforming units, or has the market completely shifted? With affordability tightening, inflation rising, and lifestyle preferences changing across Sydney, Melbourne, Brisbane and regional areas, many buyers and investors are rethinking where real long-term value actually is. In this episode, we analyse why units and townhouses are now outperforming houses in multiple LGAs, what’s driving this shift, and how buyers can...
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Building Approvals Surge, Supply Collapses! What’s Next for Australia?
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie unpack one of Australia’s biggest issues right now: building approvals are rising, but construction output is falling — all while the country faces the largest population boom on record. Australia approved more homes than ever in 2024–2025, yet fewer houses are actually being built. In this episode, we break down the real reasons behind the housing supply crunch — from labour shortages, skyrocketing material costs and developer feasibility, to the impact of surging investor lending and record migration. We...
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First Home Buyers Australia 2025: Big LMI Changes & New Deposit Rules
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the huge changes to Australia’s property market in 2025, including the new First Home Guarantee Scheme, updates to Lender’s Mortgage Insurance (LMI), and what these shifts mean for first home buyers, investors, and the housing market.
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🏡 In this show, we explain why the removal of income caps, unlimited scheme places, and a 2%–5% deposit pathway with no LMI could reshape the property market in Sydney, Melbourne, Brisbane, and across Australia. We also analyse the impact on housing affordability, property price growth predictions for 2025–2026, and what this means for both first home buyers and property investors.
🔍 Key Topics Covered:
✔️ First Home Guarantee Scheme changes – what’s new in 2025 🏠
✔️ Why Lender’s Mortgage Insurance (LMI) could be “dead money” 💸
✔️ Updated property price caps for Sydney, Melbourne, Brisbane & more 📊
✔️ How these reforms will impact housing affordability in Australia 🏡
✔️ Predictions for property price growth in 2026 📈
✔️ Opportunities for first home buyers and investors 🚀
📊 As the Australian Government removes restrictions and expands buyer incentives, the property market could see a surge of new entrants. We unpack expert forecasts predicting up to 10% growth in the sub-$1M property market, the pressure this places on supply, and whether 2025 is the right time to buy.