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Significant Rise in First-Home Buyer Guarantees Reflects Market Demand

Understanding the Implications of Increased First-Home Buyer Activity

Significant Rise in First-Home Buyer Guarantees Reflects Market Demand?w=400

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

Recent government data indicates a substantial 48% increase in first-home buyer guarantees, with 5,778 guarantees issued in October 2025 compared to the previous year.
This surge suggests a growing confidence among first-time buyers, despite ongoing affordability challenges.

Several factors contribute to this trend. The expansion of the 5% Deposit Scheme has made homeownership more accessible, allowing buyers to enter the market with a smaller initial deposit. Additionally, the average budget for first-home buyers has risen to $637,000 in 2025, up from $599,000 in 2024, reflecting an adaptation to the current market conditions.

However, saving for a deposit remains a significant hurdle. The increased demand has intensified competition, particularly in entry-level property segments, leading to higher prices and making it more challenging for first-time buyers to secure desired properties.

For prospective buyers, it's crucial to stay informed about available government schemes and to seek professional financial advice to navigate the complexities of the current housing market.

Published:Friday, 9th Jan 2026
Source: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

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The amount of (or that portion of) an asset actually owned. Equity is the difference between the market value and the current amount of money still owing on the loan. This is also referred to as the owner’s interest.