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How its up-to-30% government share costs out against a 5% deposit loan on a $750,000 unit.","https://images.unsplash.com/photo-1756541790216-2b23c9113e43?q=80&auto=format","2026-09-19","Anderson Aguiar","https://i.imgur.com/btHZbrU.jpeg",[98,99,100,101,102,103],"first-home-buyer","help-to-buy","shared-equity","policy","2026-market","affordability","First Home Buyers","13 min read",{"type":107,"children":108,"toc":1320},"root",[109,117,122,129,134,266,271,276,436,441,447,452,457,578,592,597,603,616,843,848,861,867,872,885,898,904,909,914,980,986,991,1124,1129,1135,1142,1147,1153,1158,1164,1169,1175,1180,1186,1199,1212,1217,1221,1227],{"type":110,"tag":111,"props":112,"children":113},"element","p",{},[114],{"type":115,"value":116},"text","Help to Buy opened for applications on 5 December 2025. In its first seven months, Housing Australia says the scheme received more than 7,200 applications, of which 4,800 had found a home to live in or already settled, with the rest still looking. The same update, published on 1 July 2026, puts the median deposit at about $30,000, with 86% of participants first home buyers and almost seven in ten applying on their own. Tasmania joined on 9 June 2026, so the scheme now runs in every state and territory, with a fresh 10,000 places released for 2026-27.",{"type":110,"tag":111,"props":118,"children":119},{},[120],{"type":115,"value":121},"The arithmetic is what draws people in. On an existing Sydney unit bought at the $1,300,000 cap, the minimum deposit is $26,000 and the Commonwealth can put in up to $390,000, leaving a home loan of $884,000. That loan is more than a single applicant on the $103,000 income cap could service, and a stretch even for a couple at $165,000, so the price caps and the income caps rarely meet in one purchase. This guide sets out how the scheme works in 2026, what the government's share really costs when values rise and fall, how it compares with the First Home Guarantee and a plain loan with lenders mortgage insurance, and where the traps are.",{"type":110,"tag":123,"props":124,"children":126},"h2",{"id":125},"how-help-to-buy-works-in-2026",[127],{"type":115,"value":128},"How Help to Buy works in 2026",{"type":110,"tag":111,"props":130,"children":131},{},[132],{"type":115,"value":133},"Help to Buy is a Commonwealth shared equity scheme run by Housing Australia. The government pays part of the purchase price and takes a matching share of the home. Your name is on the title, you live in it, and you pay no rent and no interest on the government's slice. When you sell, or buy the share back, the government receives its percentage of the value at that time.",{"type":110,"tag":135,"props":136,"children":137},"table",{},[138,157],{"type":110,"tag":139,"props":140,"children":141},"thead",{},[142],{"type":110,"tag":143,"props":144,"children":145},"tr",{},[146,152],{"type":110,"tag":147,"props":148,"children":149},"th",{},[150],{"type":115,"value":151},"Parameter",{"type":110,"tag":147,"props":153,"children":154},{},[155],{"type":115,"value":156},"2026 rule",{"type":110,"tag":158,"props":159,"children":160},"tbody",{},[161,175,188,201,214,227,240,253],{"type":110,"tag":143,"props":162,"children":163},{},[164,170],{"type":110,"tag":165,"props":166,"children":167},"td",{},[168],{"type":115,"value":169},"Minimum deposit",{"type":110,"tag":165,"props":171,"children":172},{},[173],{"type":115,"value":174},"2% of the purchase price",{"type":110,"tag":143,"props":176,"children":177},{},[178,183],{"type":110,"tag":165,"props":179,"children":180},{},[181],{"type":115,"value":182},"Government share",{"type":110,"tag":165,"props":184,"children":185},{},[186],{"type":115,"value":187},"Between 5% and 30% of an existing home, between 5% and 40% of a new home",{"type":110,"tag":143,"props":189,"children":190},{},[191,196],{"type":110,"tag":165,"props":192,"children":193},{},[194],{"type":115,"value":195},"Income cap (taxable, prior-year tax return)",{"type":110,"tag":165,"props":197,"children":198},{},[199],{"type":115,"value":200},"$103,000 single, $165,000 for couples and single parents, indexed each 1 July",{"type":110,"tag":143,"props":202,"children":203},{},[204,209],{"type":110,"tag":165,"props":205,"children":206},{},[207],{"type":115,"value":208},"Places",{"type":110,"tag":165,"props":210,"children":211},{},[212],{"type":115,"value":213},"10,000 a year; Housing Australia expects the scheme to support up to 40,000 households over the next three years",{"type":110,"tag":143,"props":215,"children":216},{},[217,222],{"type":110,"tag":165,"props":218,"children":219},{},[220],{"type":115,"value":221},"Rent or interest on the share",{"type":110,"tag":165,"props":223,"children":224},{},[225],{"type":115,"value":226},"None",{"type":110,"tag":143,"props":228,"children":229},{},[230,235],{"type":110,"tag":165,"props":231,"children":232},{},[233],{"type":115,"value":234},"Participating lenders",{"type":110,"tag":165,"props":236,"children":237},{},[238],{"type":115,"value":239},"Bank Australia, Commonwealth Bank, and Teachers Mutual Bank Limited's four brands (Teachers Mutual Bank, Health Professionals Bank, Firefighters Mutual Bank and UniBank), which joined on 27 July 2026; the bank says the scheme reaches its accredited broker network from 6 October 2026",{"type":110,"tag":143,"props":241,"children":242},{},[243,248],{"type":110,"tag":165,"props":244,"children":245},{},[246],{"type":115,"value":247},"Buy-back",{"type":110,"tag":165,"props":249,"children":250},{},[251],{"type":115,"value":252},"Any time, in steps of at least 5% of the home's current value",{"type":110,"tag":143,"props":254,"children":255},{},[256,261],{"type":110,"tag":165,"props":257,"children":258},{},[259],{"type":115,"value":260},"Who it is for",{"type":110,"tag":165,"props":262,"children":263},{},[264],{"type":115,"value":265},"Australian citizens aged 18 or over who own no other property and will live in the home",{"type":110,"tag":111,"props":267,"children":268},{},[269],{"type":115,"value":270},"Two details in the fine print matter more than the headline percentages. First, the 30% and 40% are ceilings, not defaults. The Customer Guide says you contribute the maximum you can afford under your lender's assessment, and the government contributes \"as much as is necessary\" up to its cap and to keep you clear of lenders mortgage insurance. If your bank will lend you 80% and you have 5%, the Commonwealth's share is 15%, not 30%. Second, the income caps were lifted from $100,000 and $160,000 to $103,000 and $165,000 on 1 July 2026 under the scheme's annual wage indexation, and they will move again next July.",{"type":110,"tag":111,"props":272,"children":273},{},[274],{"type":115,"value":275},"Price caps depend on the postcode, with a higher tier for capitals and named regional centres.",{"type":110,"tag":135,"props":277,"children":278},{},[279,300],{"type":110,"tag":139,"props":280,"children":281},{},[282],{"type":110,"tag":143,"props":283,"children":284},{},[285,290,295],{"type":110,"tag":147,"props":286,"children":287},{},[288],{"type":115,"value":289},"State or territory",{"type":110,"tag":147,"props":291,"children":292},{},[293],{"type":115,"value":294},"Capital city and regional centres",{"type":110,"tag":147,"props":296,"children":297},{},[298],{"type":115,"value":299},"Rest of state",{"type":110,"tag":158,"props":301,"children":302},{},[303,320,337,354,371,388,404,420],{"type":110,"tag":143,"props":304,"children":305},{},[306,310,315],{"type":110,"tag":165,"props":307,"children":308},{},[309],{"type":115,"value":8},{"type":110,"tag":165,"props":311,"children":312},{},[313],{"type":115,"value":314},"$1,300,000",{"type":110,"tag":165,"props":316,"children":317},{},[318],{"type":115,"value":319},"$800,000",{"type":110,"tag":143,"props":321,"children":322},{},[323,327,332],{"type":110,"tag":165,"props":324,"children":325},{},[326],{"type":115,"value":17},{"type":110,"tag":165,"props":328,"children":329},{},[330],{"type":115,"value":331},"$950,000",{"type":110,"tag":165,"props":333,"children":334},{},[335],{"type":115,"value":336},"$650,000",{"type":110,"tag":143,"props":338,"children":339},{},[340,344,349],{"type":110,"tag":165,"props":341,"children":342},{},[343],{"type":115,"value":26},{"type":110,"tag":165,"props":345,"children":346},{},[347],{"type":115,"value":348},"$1,000,000",{"type":110,"tag":165,"props":350,"children":351},{},[352],{"type":115,"value":353},"$700,000",{"type":110,"tag":143,"props":355,"children":356},{},[357,361,366],{"type":110,"tag":165,"props":358,"children":359},{},[360],{"type":115,"value":45},{"type":110,"tag":165,"props":362,"children":363},{},[364],{"type":115,"value":365},"$850,000",{"type":110,"tag":165,"props":367,"children":368},{},[369],{"type":115,"value":370},"$600,000",{"type":110,"tag":143,"props":372,"children":373},{},[374,378,383],{"type":110,"tag":165,"props":375,"children":376},{},[377],{"type":115,"value":59},{"type":110,"tag":165,"props":379,"children":380},{},[381],{"type":115,"value":382},"$900,000",{"type":110,"tag":165,"props":384,"children":385},{},[386],{"type":115,"value":387},"$500,000",{"type":110,"tag":143,"props":389,"children":390},{},[391,395,399],{"type":110,"tag":165,"props":392,"children":393},{},[394],{"type":115,"value":79},{"type":110,"tag":165,"props":396,"children":397},{},[398],{"type":115,"value":353},{"type":110,"tag":165,"props":400,"children":401},{},[402],{"type":115,"value":403},"$550,000",{"type":110,"tag":143,"props":405,"children":406},{},[407,411,415],{"type":110,"tag":165,"props":408,"children":409},{},[410],{"type":115,"value":71},{"type":110,"tag":165,"props":412,"children":413},{},[414],{"type":115,"value":348},{"type":110,"tag":165,"props":416,"children":417},{},[418],{"type":115,"value":419},"n/a",{"type":110,"tag":143,"props":421,"children":422},{},[423,428,432],{"type":110,"tag":165,"props":424,"children":425},{},[426],{"type":115,"value":427},"Northern Territory",{"type":110,"tag":165,"props":429,"children":430},{},[431],{"type":115,"value":370},{"type":110,"tag":165,"props":433,"children":434},{},[435],{"type":115,"value":370},{"type":110,"tag":111,"props":437,"children":438},{},[439],{"type":115,"value":440},"The regional centres on the capital-city tier are Newcastle and Lake Macquarie, Illawarra, Central Coast, Mid-North Coast, Coffs Harbour-Grafton and Richmond-Tweed in NSW, Geelong in Victoria, and the Gold Coast and Sunshine Coast in Queensland. Housing Australia cannot approve a purchase above the cap, and a suburb with two postcodes can sit in two tiers, so check the postcode tool before you fall for a property.",{"type":110,"tag":123,"props":442,"children":444},{"id":443},"what-the-governments-share-really-costs",[445],{"type":115,"value":446},"What the government's share really costs",{"type":110,"tag":111,"props":448,"children":449},{},[450],{"type":115,"value":451},"Take a $750,000 existing unit, close to Cotality's combined-capital unit median of $748,268 in August 2026. Assume the Commonwealth takes its full 30% ($225,000), you put in the 2% minimum ($15,000) and borrow $510,000 at 6% over 30 years. 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If your unit is worth 5% less, you buy the Commonwealth out for $11,250 less than it paid, because the scheme's own documents say the share \"grows or shrinks\" with the home's value. A bank loan does not shrink, which is why shared equity is a softer landing than a 95% loan if the ",{"type":110,"tag":584,"props":585,"children":587},"a",{"href":586},"/blog/negative-equity-2026-five-percent-deposit-buyers-australia",[588],{"type":115,"value":589},"2026 downturn deepens",{"type":115,"value":591},".",{"type":110,"tag":111,"props":593,"children":594},{},[595],{"type":115,"value":596},"The trade is simplest to see as a rate. The government's share costs you the property's growth rate on that money, and saves you the mortgage rate on it. Over the same five years, borrowing $202,500 less than a First Home Guarantee buyer saves about $58,780 in interest. If the unit grew 5% a year instead, the government's share would be worth $287,163 at exit, $62,163 more than it paid, and the two figures roughly cancel. Below 5% a year the government is a cheap partner; above it, an expensive one. With Sydney and Melbourne more than 5% below their peaks and the national index down five months straight to August 2026, growth is not what buyers are giving up right now. Over a 30-year hold, nobody can promise which way it goes.",{"type":110,"tag":123,"props":598,"children":600},{"id":599},"help-to-buy-vs-the-first-home-guarantee-vs-going-solo",[601],{"type":115,"value":602},"Help to Buy vs the First Home Guarantee vs going solo",{"type":110,"tag":111,"props":604,"children":605},{},[606,608,614],{"type":115,"value":607},"The ",{"type":110,"tag":584,"props":609,"children":611},{"href":610},"/blog/first-home-guarantee-2026-5-percent-deposit-scheme-explained",[612],{"type":115,"value":613},"First Home Guarantee",{"type":115,"value":615}," is the other Commonwealth path, and since 1 October 2025 it has had no income test and no cap on places. You put in 5%, Housing Australia guarantees up to 15% to the lender, and you skip LMI but carry the full loan. The third path is a plain loan with LMI. On the same $750,000 unit, at the same 6%:",{"type":110,"tag":135,"props":617,"children":618},{},[619,642],{"type":110,"tag":139,"props":620,"children":621},{},[622],{"type":110,"tag":143,"props":623,"children":624},{},[625,628,633,637],{"type":110,"tag":147,"props":626,"children":627},{},[],{"type":110,"tag":147,"props":629,"children":630},{},[631],{"type":115,"value":632},"Help to Buy",{"type":110,"tag":147,"props":634,"children":635},{},[636],{"type":115,"value":613},{"type":110,"tag":147,"props":638,"children":639},{},[640],{"type":115,"value":641},"Solo, 5% deposit plus LMI",{"type":110,"tag":158,"props":643,"children":644},{},[645,667,688,710,733,756,778,799,821],{"type":110,"tag":143,"props":646,"children":647},{},[648,653,658,663],{"type":110,"tag":165,"props":649,"children":650},{},[651],{"type":115,"value":652},"Deposit",{"type":110,"tag":165,"props":654,"children":655},{},[656],{"type":115,"value":657},"$15,000",{"type":110,"tag":165,"props":659,"children":660},{},[661],{"type":115,"value":662},"$37,500",{"type":110,"tag":165,"props":664,"children":665},{},[666],{"type":115,"value":662},{"type":110,"tag":143,"props":668,"children":669},{},[670,675,679,683],{"type":110,"tag":165,"props":671,"children":672},{},[673],{"type":115,"value":674},"LMI premium",{"type":110,"tag":165,"props":676,"children":677},{},[678],{"type":115,"value":226},{"type":110,"tag":165,"props":680,"children":681},{},[682],{"type":115,"value":226},{"type":110,"tag":165,"props":684,"children":685},{},[686],{"type":115,"value":687},"About $30,797, added to the loan",{"type":110,"tag":143,"props":689,"children":690},{},[691,696,701,705],{"type":110,"tag":165,"props":692,"children":693},{},[694],{"type":115,"value":695},"Home loan",{"type":110,"tag":165,"props":697,"children":698},{},[699],{"type":115,"value":700},"$510,000",{"type":110,"tag":165,"props":702,"children":703},{},[704],{"type":115,"value":562},{"type":110,"tag":165,"props":706,"children":707},{},[708],{"type":115,"value":709},"$743,297",{"type":110,"tag":143,"props":711,"children":712},{},[713,718,723,728],{"type":110,"tag":165,"props":714,"children":715},{},[716],{"type":115,"value":717},"Monthly repayment",{"type":110,"tag":165,"props":719,"children":720},{},[721],{"type":115,"value":722},"$3,058",{"type":110,"tag":165,"props":724,"children":725},{},[726],{"type":115,"value":727},"$4,272",{"type":110,"tag":165,"props":729,"children":730},{},[731],{"type":115,"value":732},"$4,456",{"type":110,"tag":143,"props":734,"children":735},{},[736,741,746,751],{"type":110,"tag":165,"props":737,"children":738},{},[739],{"type":115,"value":740},"Interest paid in 5 years",{"type":110,"tag":165,"props":742,"children":743},{},[744],{"type":115,"value":745},"$148,040",{"type":110,"tag":165,"props":747,"children":748},{},[749],{"type":115,"value":750},"$206,820",{"type":110,"tag":165,"props":752,"children":753},{},[754],{"type":115,"value":755},"$215,760",{"type":110,"tag":143,"props":757,"children":758},{},[759,764,769,774],{"type":110,"tag":165,"props":760,"children":761},{},[762],{"type":115,"value":763},"Government owns",{"type":110,"tag":165,"props":765,"children":766},{},[767],{"type":115,"value":768},"30%",{"type":110,"tag":165,"props":770,"children":771},{},[772],{"type":115,"value":773},"Nothing",{"type":110,"tag":165,"props":775,"children":776},{},[777],{"type":115,"value":773},{"type":110,"tag":143,"props":779,"children":780},{},[781,786,791,795],{"type":110,"tag":165,"props":782,"children":783},{},[784],{"type":115,"value":785},"Income cap",{"type":110,"tag":165,"props":787,"children":788},{},[789],{"type":115,"value":790},"$103,000 / $165,000",{"type":110,"tag":165,"props":792,"children":793},{},[794],{"type":115,"value":226},{"type":110,"tag":165,"props":796,"children":797},{},[798],{"type":115,"value":226},{"type":110,"tag":143,"props":800,"children":801},{},[802,807,811,816],{"type":110,"tag":165,"props":803,"children":804},{},[805],{"type":115,"value":806},"Your equity after 5 years, flat market",{"type":110,"tag":165,"props":808,"children":809},{},[810],{"type":115,"value":549},{"type":110,"tag":165,"props":812,"children":813},{},[814],{"type":115,"value":815},"$86,988",{"type":110,"tag":165,"props":817,"children":818},{},[819],{"type":115,"value":820},"$58,330",{"type":110,"tag":143,"props":822,"children":823},{},[824,829,833,838],{"type":110,"tag":165,"props":825,"children":826},{},[827],{"type":115,"value":828},"Your equity after 5 years, down 5%",{"type":110,"tag":165,"props":830,"children":831},{},[832],{"type":115,"value":577},{"type":110,"tag":165,"props":834,"children":835},{},[836],{"type":115,"value":837},"$49,488",{"type":110,"tag":165,"props":839,"children":840},{},[841],{"type":115,"value":842},"$20,830",{"type":110,"tag":111,"props":844,"children":845},{},[846],{"type":115,"value":847},"The LMI figure is money.com.au's estimate, updated 27 August 2026, from Westpac's calculator for a 95% loan on a $750,000 purchase. The line worth pausing on is the last one. In a market that falls 5%, the buyer who paid LMI and borrowed 95% ends up with less equity than the Help to Buy buyer, having paid about $1,400 a month more to get there. The Guarantee buyer has the most equity in every scenario, because every dollar of principal repaid is theirs, but pays $1,214 a month more than the Help to Buy buyer for it, which is $72,845 over five years.",{"type":110,"tag":111,"props":849,"children":850},{},[851,853,859],{"type":115,"value":852},"Price caps differ too. The Guarantee's Sydney cap is $1,500,000; Help to Buy's is $1,300,000. Both leave stamp duty with you, and state concessions apply whichever path you take, so the ",{"type":110,"tag":584,"props":854,"children":856},{"href":855},"/blog/stamp-duty-explained-australia-2026-state-by-state-first-home-buyer",[857],{"type":115,"value":858},"stamp duty rules in your state",{"type":115,"value":860}," still decide a large slice of your upfront cost.",{"type":110,"tag":123,"props":862,"children":864},{"id":863},"who-should-pick-which",[865],{"type":115,"value":866},"Who should pick which",{"type":110,"tag":111,"props":868,"children":869},{},[870],{"type":115,"value":871},"Help to Buy suits a buyer whose problem is the monthly repayment, not just the deposit. If your income sits under the cap and a serviceability test would knock a 95% loan back, cutting the loan by nearly a third is what gets the application through. It also suits anyone who expects modest growth and wants less exposure if prices keep drifting. The cost is a government share of every dollar of growth, and living under its rules until you buy it out.",{"type":110,"tag":111,"props":873,"children":874},{},[875,877,883],{"type":115,"value":876},"The First Home Guarantee suits a buyer who can service the full loan and wants all the upside. With no income cap and uncapped places it is the default for higher earners, and there is no partner to buy out later. Read it alongside a hard look at your ",{"type":110,"tag":584,"props":878,"children":880},{"href":879},"/blog/borrowing-capacity-2026-rate-hikes-what-you-can-borrow",[881],{"type":115,"value":882},"borrowing capacity",{"type":115,"value":884},", because the three 2026 rate rises took tens of thousands off what a 95% borrower can get approved.",{"type":110,"tag":111,"props":886,"children":887},{},[888,890,896],{"type":115,"value":889},"Going solo with LMI makes sense mainly when the buyer or the property fits neither scheme: a price above the caps, a second home, a non-citizen. Buyers who cannot reach any of these on one income sometimes look at ",{"type":110,"tag":584,"props":891,"children":893},{"href":892},"/blog/co-buying-property-australia-2026-teaming-up-to-beat-affordability",[894],{"type":115,"value":895},"co-buying with family or friends",{"type":115,"value":897}," instead, which pools two deposits and two incomes without a government partner.",{"type":110,"tag":123,"props":899,"children":901},{"id":900},"eligibility-traps",[902],{"type":115,"value":903},"Eligibility traps",{"type":110,"tag":111,"props":905,"children":906},{},[907],{"type":115,"value":908},"Early coverage of the scheme, including this site's 2025 guide, predicted an annual income review. That is not what shipped. Housing Australia contacts you every year to check the home is insured, but reviews your taxable income at least once every five years, using your last two tax returns. If your income is over the indexed threshold for two financial years in a row, your lender assesses whether you can afford to repay at least 5% of the government's share, at current market value, within 90 days. If you cannot, you are reassessed in 12 months, and Housing Australia will not force a repayment that would push you into LMI. A pay rise does not evict you, but it does start a clock.",{"type":110,"tag":111,"props":910,"children":911},{},[912],{"type":115,"value":913},"The other rules that catch people:",{"type":110,"tag":915,"props":916,"children":917},"ol",{},[918,930,940,950,960,970],{"type":110,"tag":919,"props":920,"children":921},"li",{},[922,928],{"type":110,"tag":923,"props":924,"children":925},"strong",{},[926],{"type":115,"value":927},"You must live in it.",{"type":115,"value":929}," Renting the home out, running a business from it, or treating another property as your main residence all need written approval, with exemptions for Defence postings and some employment relocations. Rentvesting is off the table.",{"type":110,"tag":919,"props":931,"children":932},{},[933,938],{"type":110,"tag":923,"props":934,"children":935},{},[936],{"type":115,"value":937},"The share is priced on the day.",{"type":115,"value":939}," Every buy-back is at market value, in steps of at least 5%, and you pay for the valuation. Buying back a slice while values are down is cheaper than waiting for the recovery.",{"type":110,"tag":919,"props":941,"children":942},{},[943,948],{"type":110,"tag":923,"props":944,"children":945},{},[946],{"type":115,"value":947},"Refinancing is restricted.",{"type":115,"value":949}," Your loan must stay with a participating lender unless you buy the government out in full as part of the refinance.",{"type":110,"tag":919,"props":951,"children":952},{},[953,958],{"type":110,"tag":923,"props":954,"children":955},{},[956],{"type":115,"value":957},"Renovations over $21,000 need notice first.",{"type":115,"value":959}," Tell Housing Australia before you start and pay for a before-and-after valuation, and the government's share is reduced so you keep the uplift. Skip the notice and its percentage stays put, so it shares in the value your money created.",{"type":110,"tag":919,"props":961,"children":962},{},[963,968],{"type":110,"tag":923,"props":964,"children":965},{},[966],{"type":115,"value":967},"Approvals expire.",{"type":115,"value":969}," Conditional approval reserves your place for 90 days, with one 90-day extension if you ask before it lapses. Off-the-plan purchases must have construction under way when you sign and settle within 90 days of final approval.",{"type":110,"tag":919,"props":971,"children":972},{},[973,978],{"type":110,"tag":923,"props":974,"children":975},{},[976],{"type":115,"value":977},"Your loan is still a bank decision.",{"type":115,"value":979}," Meeting the scheme criteria does not guarantee a loan, and lenders apply their own property rules on top.",{"type":110,"tag":123,"props":981,"children":983},{"id":982},"the-state-schemes-still-running",[984],{"type":115,"value":985},"The state schemes still running",{"type":110,"tag":111,"props":987,"children":988},{},[989],{"type":115,"value":990},"Help to Buy cannot be stacked with a state shared equity scheme, so where a state scheme is still open the choice is one or the other. Two states have already wound theirs up.",{"type":110,"tag":135,"props":992,"children":993},{},[994,1015],{"type":110,"tag":139,"props":995,"children":996},{},[997],{"type":110,"tag":143,"props":998,"children":999},{},[1000,1005,1010],{"type":110,"tag":147,"props":1001,"children":1002},{},[1003],{"type":115,"value":1004},"Scheme",{"type":110,"tag":147,"props":1006,"children":1007},{},[1008],{"type":115,"value":1009},"Status in September 2026",{"type":110,"tag":147,"props":1011,"children":1012},{},[1013],{"type":115,"value":1014},"Government share and limits",{"type":110,"tag":158,"props":1016,"children":1017},{},[1018,1036,1053,1071,1089,1106],{"type":110,"tag":143,"props":1019,"children":1020},{},[1021,1026,1031],{"type":110,"tag":165,"props":1022,"children":1023},{},[1024],{"type":115,"value":1025},"VIC Homebuyer Fund",{"type":110,"tag":165,"props":1027,"children":1028},{},[1029],{"type":115,"value":1030},"Closed to new applicants 10 September 2025 after helping more than 16,100 Victorians; existing participants continue",{"type":110,"tag":165,"props":1032,"children":1033},{},[1034],{"type":115,"value":1035},"Not available to new buyers",{"type":110,"tag":143,"props":1037,"children":1038},{},[1039,1044,1049],{"type":110,"tag":165,"props":1040,"children":1041},{},[1042],{"type":115,"value":1043},"NSW Shared Equity Home Buyer Helper",{"type":110,"tag":165,"props":1045,"children":1046},{},[1047],{"type":115,"value":1048},"Pilot closed 30 June 2024; existing participants stay with Revenue NSW",{"type":110,"tag":165,"props":1050,"children":1051},{},[1052],{"type":115,"value":1035},{"type":110,"tag":143,"props":1054,"children":1055},{},[1056,1061,1066],{"type":110,"tag":165,"props":1057,"children":1058},{},[1059],{"type":115,"value":1060},"WA Keystart Shared Home Ownership",{"type":110,"tag":165,"props":1062,"children":1063},{},[1064],{"type":115,"value":1065},"Open, but Opening Doors WA says available homes are \"currently limited\"; 1,800-plus buyers since 2011",{"type":110,"tag":165,"props":1067,"children":1068},{},[1069],{"type":115,"value":1070},"Up to 30% of the purchase price; income limits $70,000 for a single, $90,000 for a couple or family",{"type":110,"tag":143,"props":1072,"children":1073},{},[1074,1079,1084],{"type":110,"tag":165,"props":1075,"children":1076},{},[1077],{"type":115,"value":1078},"WA Urban Connect Shared Equity (Keystart)",{"type":110,"tag":165,"props":1080,"children":1081},{},[1082],{"type":115,"value":1083},"Open",{"type":110,"tag":165,"props":1085,"children":1086},{},[1087],{"type":115,"value":1088},"The Housing Authority contributes up to $250,000; newly built, under construction or off-the-plan apartments, townhouses, units and villas; 2% deposit; income and price limits are published on Keystart's site",{"type":110,"tag":143,"props":1090,"children":1091},{},[1092,1097,1101],{"type":110,"tag":165,"props":1093,"children":1094},{},[1095],{"type":115,"value":1096},"SA HomeStart Shared Equity Option",{"type":110,"tag":165,"props":1098,"children":1099},{},[1100],{"type":115,"value":1083},{"type":110,"tag":165,"props":1102,"children":1103},{},[1104],{"type":115,"value":1105},"HomeStart takes an equity share, with income and purchase price limits; check HomeStart for the current figures",{"type":110,"tag":143,"props":1107,"children":1108},{},[1109,1114,1119],{"type":110,"tag":165,"props":1110,"children":1111},{},[1112],{"type":115,"value":1113},"TAS MyHome (Homes Tasmania, Bank of us)",{"type":110,"tag":165,"props":1115,"children":1116},{},[1117],{"type":115,"value":1118},"Open alongside Help to Buy",{"type":110,"tag":165,"props":1120,"children":1121},{},[1122],{"type":115,"value":1123},"Shared equity on new and existing homes, written through Bank of us; check Homes Tasmania for the current shares, price caps and deposit",{"type":110,"tag":111,"props":1125,"children":1126},{},[1127],{"type":115,"value":1128},"Tasmania is the interesting case, because MyHome and Help to Buy now overlap and only one of them can apply to a purchase. Homes Tasmania publishes MyHome's current contribution and price caps, and they are worth running against 40% of Help to Buy's $700,000 Hobart cap with a lender before you choose, because Help to Buy also opens up the big banks. Either way, a contract that a government has to approve can lose to a faster offer, so build the approval timetable into the negotiation.",{"type":110,"tag":123,"props":1130,"children":1132},{"id":1131},"frequently-asked-questions",[1133],{"type":115,"value":1134},"Frequently asked questions",{"type":110,"tag":1136,"props":1137,"children":1139},"h3",{"id":1138},"can-i-combine-help-to-buy-with-the-first-home-guarantee",[1140],{"type":115,"value":1141},"Can I combine Help to Buy with the First Home Guarantee?",{"type":110,"tag":111,"props":1143,"children":1144},{},[1145],{"type":115,"value":1146},"No. The Customer Guide rules out receiving proceeds from any other Commonwealth shared equity scheme, home buyer guarantee, or state loan or guarantee on the same purchase. The two schemes are alternatives, and the comparison table above is the choice you are making. You can still claim a first home owner grant and your state's stamp duty concession on top of Help to Buy.",{"type":110,"tag":1136,"props":1148,"children":1150},{"id":1149},"what-happens-if-my-income-rises-above-the-cap",[1151],{"type":115,"value":1152},"What happens if my income rises above the cap?",{"type":110,"tag":111,"props":1154,"children":1155},{},[1156],{"type":115,"value":1157},"Nothing on the first year over. If your taxable income exceeds the indexed threshold for two financial years in a row, your lender runs a financial assessment. If it shows you can afford to repay at least 5% of the government's share, you do so within 90 days at current market value. If not, you are reassessed in 12 months.",{"type":110,"tag":1136,"props":1159,"children":1161},{"id":1160},"can-i-renovate-a-help-to-buy-home",[1162],{"type":115,"value":1163},"Can I renovate a Help to Buy home?",{"type":110,"tag":111,"props":1165,"children":1166},{},[1167],{"type":115,"value":1168},"Yes. Work under $21,000 in a year that needs no council approval can go ahead without telling anyone. Above that, notify Housing Australia first and pay for valuations before and after, and the government's share is adjusted so the value you add stays yours. The Customer Guide's own example: a $60,000 uplift on a $700,000 home where the government held 20% cuts its share to 18.4% ($140,000 of $760,000).",{"type":110,"tag":1136,"props":1170,"children":1172},{"id":1171},"what-if-the-home-falls-in-value",[1173],{"type":115,"value":1174},"What if the home falls in value?",{"type":110,"tag":111,"props":1176,"children":1177},{},[1178],{"type":115,"value":1179},"The government's share falls with it. On the $750,000 unit above, a 5% drop cuts the Commonwealth's stake from $225,000 to $213,750, so you would buy it out or sell for less than it paid. Your bank loan does not shrink, so the risk of owing more than the home is worth still sits on the 68% you borrowed, but that is a smaller loan than any other 2% or 5% deposit path.",{"type":110,"tag":123,"props":1181,"children":1183},{"id":1182},"what-to-do-now",[1184],{"type":115,"value":1185},"What to do now",{"type":110,"tag":111,"props":1187,"children":1188},{},[1189,1191,1197],{"type":115,"value":1190},"Start with the postcode tool on firsthomebuyers.gov.au, because the cap is decided by postcode and there is no appeal above it. Get your last tax return lodged so the Notice of Assessment is ready; the threshold that counts is the one in force when your final application is approved. Then run both schemes on the same property. Not every participating lender takes Help to Buy through brokers yet, so confirm the channel before you start, and a ",{"type":110,"tag":584,"props":1192,"children":1194},{"href":1193},"/mortgage-brokers",[1195],{"type":115,"value":1196},"mortgage broker",{"type":115,"value":1198}," who has done Help to Buy files can model the Guarantee and shared equity side by side on your numbers.",{"type":110,"tag":111,"props":1200,"children":1201},{},[1202,1204,1210],{"type":115,"value":1203},"Once you have conditional approval, treat the 90-day clock as the search window it is. Vendors are wary of buyers whose contract needs a third party's sign-off, and the letter of support Housing Australia gives you is worth showing early. A buyer's agent who has settled scheme purchases can keep the contract inside the settlement rules while still winning the negotiation, and ",{"type":110,"tag":584,"props":1205,"children":1207},{"href":1206},"/buyer-agent-match",[1208],{"type":115,"value":1209},"GoMatch",{"type":115,"value":1211}," will introduce you to vetted agents in your area for free.",{"type":110,"tag":111,"props":1213,"children":1214},{},[1215],{"type":115,"value":1216},"The figures here were checked against Housing Australia's July 2026 Customer Guide and Fact Sheet, and the income caps will move again on 1 July 2027. None of this is personal financial advice; it is general information to help you ask better questions of your lender and adviser.",{"type":110,"tag":1218,"props":1219,"children":1220},"hr",{},[],{"type":110,"tag":1136,"props":1222,"children":1224},{"id":1223},"sources",[1225],{"type":115,"value":1226},"Sources",{"type":110,"tag":915,"props":1228,"children":1229},{},[1230,1235,1240,1245,1250,1255,1260,1265,1270,1275,1280,1285,1290,1295,1300,1305,1310,1315],{"type":110,"tag":919,"props":1231,"children":1232},{},[1233],{"type":115,"value":1234},"Housing Australia, Help to Buy Scheme Customer Guide, version 260701, 1 July 2026.",{"type":110,"tag":919,"props":1236,"children":1237},{},[1238],{"type":115,"value":1239},"Housing Australia, Australian Government Help to Buy Scheme Fact Sheet, version 260701, 1 July 2026.",{"type":110,"tag":919,"props":1241,"children":1242},{},[1243],{"type":115,"value":1244},"Housing Australia, firsthomebuyers.gov.au, Help to Buy scheme page, Help to Buy property price caps page and Help to Buy participating lenders page, accessed 7 September 2026.",{"type":110,"tag":919,"props":1246,"children":1247},{},[1248],{"type":115,"value":1249},"Housing Australia, firsthomebuyers.gov.au, \"Help to Buy income and threshold updates 2026-27\", accessed 7 September 2026.",{"type":110,"tag":919,"props":1251,"children":1252},{},[1253],{"type":115,"value":1254},"Housing Australia, Help to Buy Target Market Determination, effective 5 December 2025.",{"type":110,"tag":919,"props":1256,"children":1257},{},[1258],{"type":115,"value":1259},"Housing Australia, media release, \"More Australians set to benefit as Help to Buy expands from 1 July 2026\", 1 July 2026.",{"type":110,"tag":919,"props":1261,"children":1262},{},[1263],{"type":115,"value":1264},"Housing Australia, media release, \"Teachers Mutual Bank Limited joins Help to Buy, expanding opportunities for essential workers\", 27 July 2026.",{"type":110,"tag":919,"props":1266,"children":1267},{},[1268],{"type":115,"value":1269},"Housing Australia, news, \"The Australian Government Help to Buy Scheme is now available in Tasmania\", 5 June 2026.",{"type":110,"tag":919,"props":1271,"children":1272},{},[1273],{"type":115,"value":1274},"Housing Australia, media release, \"Australians begin moving into homes purchased under the Australian Government Help to Buy Scheme\", 10 February 2026.",{"type":110,"tag":919,"props":1276,"children":1277},{},[1278],{"type":115,"value":1279},"Housing Australia, firsthomebuyers.gov.au, \"Australian Government 5% Deposit Scheme\" and \"Property price caps\", accessed 7 September 2026.",{"type":110,"tag":919,"props":1281,"children":1282},{},[1283],{"type":115,"value":1284},"Housing Australia, media release, \"Home ownership a reality for over 300,000 Australians supported by the Australian Government 5% Deposit Scheme\", 30 March 2026.",{"type":110,"tag":919,"props":1286,"children":1287},{},[1288],{"type":115,"value":1289},"State Revenue Office Victoria, \"Victorian Homebuyer Fund closed to new participants\", 10 September 2025 (updated 2 December 2025).",{"type":110,"tag":919,"props":1291,"children":1292},{},[1293],{"type":115,"value":1294},"Revenue NSW, \"Shared Equity Home Buyer Helper\" (previous schemes), accessed 7 September 2026.",{"type":110,"tag":919,"props":1296,"children":1297},{},[1298],{"type":115,"value":1299},"Keystart, \"Urban Connect Shared Equity Home Loan\", accessed 7 September 2026.",{"type":110,"tag":919,"props":1301,"children":1302},{},[1303],{"type":115,"value":1304},"Opening Doors WA (Department of Communities and Keystart), \"Shared Home Ownership\", accessed 7 September 2026.",{"type":110,"tag":919,"props":1306,"children":1307},{},[1308],{"type":115,"value":1309},"HomeStart Finance, \"Shared Equity Option\", accessed 7 September 2026.",{"type":110,"tag":919,"props":1311,"children":1312},{},[1313],{"type":115,"value":1314},"Money.com.au, \"Lender's Mortgage Insurance Guide: How Much Is LMI In 2026?\", updated 27 August 2026.",{"type":110,"tag":919,"props":1316,"children":1317},{},[1318],{"type":115,"value":1319},"Cotality, \"Home Value Index\", index results as at 31 August 2026, released 1 September 2026.",{"title":90,"searchDepth":1321,"depth":1321,"links":1322},2,[1323,1324,1325,1326,1327,1328,1329,1335],{"id":125,"depth":1321,"text":128},{"id":443,"depth":1321,"text":446},{"id":599,"depth":1321,"text":602},{"id":863,"depth":1321,"text":866},{"id":900,"depth":1321,"text":903},{"id":982,"depth":1321,"text":985},{"id":1131,"depth":1321,"text":1134,"children":1330},[1331,1332,1333,1334],{"id":1138,"depth":80,"text":1141},{"id":1149,"depth":80,"text":1152},{"id":1160,"depth":80,"text":1163},{"id":1171,"depth":80,"text":1174},{"id":1182,"depth":1321,"text":1185,"children":1336},[1337],{"id":1223,"depth":80,"text":1226},"markdown","content:blog:85.help-to-buy-shared-equity-vs-going-solo-2026.md","content","blog/85.help-to-buy-shared-equity-vs-going-solo-2026.md","blog/85.help-to-buy-shared-equity-vs-going-solo-2026","md",{"loc":87},{"navigation":1346,"agents":1348},{"previousPost":1347,"nextPost":1347},null,[],[1350,1364,1374,1383,1392,1400,1410,1418,1420,1430,1438,1448,1457,1467,1475,1483,1491,1497,1505,1512,1519,1529,1535,1544,1552,1560,1567,1574,1580,1587,1594,1603,1610,1618,1627,1635,1644,1653,1661,1669,1677,1684,1692,1701,1709,1719,1729,1738,1745,1753,1760,1766,1773,1781,1788,1795,1802,1809,1818,1831,1839,1846,1854,1861,1868,1877,1892,1899,1909,1921,1929,1936,1943,1950,1958,1966,1973,1980,1988,1995,2002,2010,2017,2024,2031,2038,2045,2052,2059,2066,2073,2080,2087,2094],{"_path":1351,"title":1352,"description":1353,"image":1354,"date":1355,"author_name":95,"author_avatar":96,"tags":1356,"category":1362,"reading_time":1363},"/blog/off-market-property-australia-how-to-find-it","Off-Market Property: How to Find It and Whether It's Cheaper","How to find off market properties in Australia: agent buyer lists, buyer's agents, direct approaches, and what the data says on whether off-market is cheaper.","https://images.unsplash.com/photo-1733630769254-a37f2d456602?q=80&auto=format","2026-10-15",[1357,1358,1359,1360,1361],"buying-guide","property-guides","negotiation","due-diligence","buyer-agents","Property Guides","12 min read",{"_path":1365,"title":1366,"description":1367,"image":1368,"date":1369,"author_name":95,"author_avatar":96,"tags":1370,"category":1373,"reading_time":1363},"/blog/how-to-calculate-rental-yield-australia","How to Calculate Rental Yield in Australia: Gross vs Net","How to calculate rental yield, gross and net, with worked examples for a house and a unit, every cost that counts, and October 2026 yields by capital city.","https://images.unsplash.com/photo-1724304406928-c43b01912fa1?q=80&auto=format","2026-10-12",[1371,1372,1357,1360,102],"property-investment","rental-income","Property Investment",{"_path":1375,"title":1376,"description":1377,"image":1378,"date":1379,"author_name":95,"author_avatar":96,"tags":1380,"category":1362,"reading_time":1382},"/blog/how-to-check-a-buyers-agent-licence","How to check a buyer's agent's licence in every Australian state and territory","Check a buyer's agent's licence in NSW, VIC, QLD, WA, SA, TAS, the ACT and the NT. The official register for each, what to search and what to look for.","https://images.unsplash.com/photo-1450101499163-c8848c66ca85?q=80&auto=format","2026-10-11",[1361,1360,1358,1381,1357],"regulation","15 min read",{"_path":1384,"title":1385,"description":1386,"image":1387,"date":1388,"author_name":95,"author_avatar":96,"tags":1389,"category":1373,"reading_time":1363},"/blog/investment-property-tax-deductions-australia","Investment Property Tax Deductions: What to Claim in 2026","Investment property tax deductions for your 2025-26 return: what you can claim now, what you claim over time, what the ATO rejects, and a worked dollar example.","https://images.unsplash.com/photo-1554224154-26032ffc0d07?q=80&auto=format","2026-10-08",[1390,1371,1372,1391,102],"tax","negative-gearing",{"_path":1393,"title":1394,"description":1395,"image":1396,"date":1397,"author_name":95,"author_avatar":96,"tags":1398,"category":1362,"reading_time":1363},"/blog/australia-real-estate-associations-guide-2026","Australia's Real Estate Associations 2026: Who Regulates Whom","No Australian state issues a buyer's-agent licence in 2026. How the 8 licensing regulators differ from bodies like REBAA and REIA, and a 5-minute agent check.","https://images.unsplash.com/photo-1566734911336-fc7762d1a655?q=80&auto=format","2026-09-22",[1361,1399,1381,1360,102],"property-professionals",{"_path":1401,"title":1402,"description":1403,"image":1404,"date":1405,"author_name":95,"author_avatar":96,"tags":1406,"category":1362,"reading_time":1382},"/blog/sustainable-housing-australia-2026-7-star-ratings-and-home-values","Sustainable Housing 2026: 7-Star Ratings and What Buyers Pay","An established Australian house can now get a NatHERS rating of its own. What 7 stars means in bills, the state rules, the premium evidence and retrofit costs.","https://images.unsplash.com/photo-1772326049701-bcdda505ef51?q=80&auto=format","2026-09-21",[1407,1408,1409,1357,102,1360],"sustainability","energy-efficiency","nathers",{"_path":1411,"title":1412,"description":1413,"image":1414,"date":1415,"author_name":95,"author_avatar":96,"tags":1416,"category":104,"reading_time":105},"/blog/housing-affordability-2026-strategies-for-first-home-buyers","Housing Affordability 2026: Nine Strategies for First Home Buyers","A median-income household could afford just 12% of homes sold in FY2026, a record low. The nine first home buyer strategies that still work, with the numbers.","https://images.unsplash.com/photo-1720175338668-2e96d090d780?q=80&auto=format","2026-09-20",[98,103,1357,102,1417],"government-schemes",{"_path":87,"title":91,"description":92,"image":93,"date":94,"author_name":95,"author_avatar":96,"tags":1419,"category":104,"reading_time":105},[98,99,100,101,102,103],{"_path":1421,"title":1422,"description":1423,"image":1424,"date":1425,"author_name":95,"author_avatar":96,"tags":1426,"category":1362,"reading_time":105},"/blog/nsw-strata-law-reforms-2026-what-apartment-buyers-need-to-know","NSW Strata Law Reforms 2026: What Apartment Buyers Need to Know","Three reform tranches are in force, committee training starts 1 October 2026 and the 3% building bond slipped to 2028. How to read a NSW strata report now.","https://images.unsplash.com/photo-1718506836441-622a825d78a7?q=80&auto=format","2026-09-18",[1427,1428,1429,1360,101,102],"strata","nsw","apartments",{"_path":1431,"title":1432,"description":1433,"image":1434,"date":1435,"author_name":95,"author_avatar":96,"tags":1436,"category":1373,"reading_time":1363},"/blog/rentvesting-in-2026-buy-where-you-can-afford-live-where-you-want","Rentvesting in 2026: Buy Where You Can Afford, Live Where You Want","Rentvesting in 2026 meets a 1 July 2027 tax reform, an owner-occupier-only 5% deposit scheme and 6.4% investor rates. A worked $650,000 example does the sums.","https://images.unsplash.com/photo-1585698756692-51ad97f03a4a?q=80&auto=format","2026-09-17",[1437,1371,98,102,103],"rentvesting",{"_path":1439,"title":1440,"description":1441,"image":1442,"date":1443,"author_name":95,"author_avatar":96,"tags":1444,"category":1447,"reading_time":1363},"/blog/should-you-buy-now-or-wait-2026-market-trends-explained","Should You Buy Now or Wait? The 2026 Market Explained","National values are 3.6% below peak, but a couple's borrowing power fell $71,600. A decision framework for buying in 2026, with the cost of waiting worked out.","https://images.unsplash.com/photo-1772325482422-55bc8dd65662?q=80&auto=format","2026-09-16",[1445,1357,102,1446,98],"market-analysis","interest-rates","Market Analysis",{"_path":1449,"title":1450,"description":1451,"image":1452,"date":1453,"author_name":95,"author_avatar":96,"tags":1454,"category":1447,"reading_time":1456},"/blog/top-10-suburbs-to-buy-property-australia-2026","Top 10 Suburbs to Buy Property in Australia in 2026, by the Data","Ten suburbs that pass a repeatable screen of sales depth, yield, five-year growth, rail access and bushfire exposure while national values fell 0.9% in August.","https://images.unsplash.com/photo-1772326281137-b617cbf77c5f?q=80&auto=format","2026-09-15",[1455,1445,1357,102,1371],"suburbs","14 min read",{"_path":1458,"title":1459,"description":1460,"image":1461,"date":1462,"author_name":95,"author_avatar":96,"tags":1463,"category":1466,"reading_time":1363},"/blog/top-10-buyers-agents-qld-2026","Top 10 Most Reviewed Buyer's Agents in Queensland (2026)","Queensland's ten most-reviewed buyer's agents, ranked by Google review count on their PropertyGo profiles as at 7 September 2026, from 565 reviews down to 184.","https://images.unsplash.com/photo-1548661625-a30d197ce439?q=80&auto=format","2026-09-14",[1361,1464,1465,1399,102],"qld","reviews","Buyer Agent Reviews",{"_path":1468,"title":1469,"description":1470,"image":1471,"date":1472,"author_name":95,"author_avatar":96,"tags":1473,"category":1466,"reading_time":1363},"/blog/top-10-buyers-agents-vic-2026","Top 10 Most Reviewed Buyer's Agents in Victoria (2026)","Victoria's ten most reviewed buyer's agents on PropertyGo as at 7 September 2026, from 506 Google reviews down, plus how to check a licence and compare fees.","https://images.unsplash.com/photo-1624324969215-7ddb79ad73c9?q=80&auto=format","2026-09-13",[1361,1474,1465,1399,102],"vic",{"_path":1476,"title":1477,"description":1478,"image":1479,"date":1480,"author_name":95,"author_avatar":96,"tags":1481,"category":1466,"reading_time":1482},"/blog/top-10-buyers-agents-nsw-2026","Top 10 Most Reviewed Buyer's Agents in NSW (2026)","The ten NSW buyer's agencies with the most Google reviews on PropertyGo as at 7 September 2026, 2,840 between them, plus fee, licence and conflict checks.","https://images.unsplash.com/photo-1772325935870-55c544250ad6?q=80&auto=format","2026-09-12",[1361,1428,1465,1399,102],"11 min read",{"_path":1484,"title":1485,"description":1486,"image":1487,"date":1488,"author_name":95,"author_avatar":96,"tags":1489,"category":104,"reading_time":1490},"/blog/where-first-home-buyers-can-still-afford-to-buy-nsw-2026","Where First Home Buyers Can Still Afford to Buy in NSW in 2026","Sydney's median house is $1,494,878, yet 24 Sydney suburbs, 68 coastal and 54 regional NSW suburbs still sit under first home buyer price lines. Mapped for 2026","https://images.unsplash.com/photo-1720175356041-6b1c963e0075?q=80&auto=format","2026-09-11",[98,1428,1455,103,102],"19 min read",{"_path":1492,"title":1493,"description":1494,"image":1495,"date":1488,"author_name":95,"author_avatar":96,"tags":1496,"category":1447,"reading_time":1456},"/blog/newcastle-property-hotspots-2026-suburbs-to-watch","Newcastle Property in 2026: Five Suburbs the Data Says to Watch","28 of 90 Newcastle and Hunter suburbs now have a $1 million median house price, and values fell 2.8% over winter. Five suburbs under $850,000 pass the screen.","https://images.unsplash.com/photo-1729581203722-e728a5ccf5d5?q=80&auto=format",[50,1428,1455,1445,1371,102],{"_path":1498,"title":1499,"description":1500,"image":1501,"date":1502,"author_name":95,"author_avatar":96,"tags":1503,"category":1362,"reading_time":1504},"/blog/flood-risk-property-due-diligence-australia-2026","How to Check Flood Risk Before Buying a House in Australia","Insurers rate your address for flood risk before you ever see the house. How to check flood risk before you buy, plus what sellers must disclose in each state.","https://images.unsplash.com/photo-1700527904677-e344ee9fbe05?q=80&auto=format","2026-09-10",[1360,1357,1358,101,102],"16 min read",{"_path":1506,"title":1507,"description":1508,"image":1509,"date":1510,"author_name":95,"author_avatar":96,"tags":1511,"category":1447,"reading_time":105},"/blog/houses-versus-units-australia-2026-price-gap-closing","Houses Versus Units 2026: The Price Gap Peaked in May","The capital city house premium hit 53.5% in May 2026 and fell to 50.2% by August. What that $34,256 shift changes about your next buying decision.","https://images.unsplash.com/photo-1661322566204-61dc5b2955ad?q=80&auto=format","2026-09-09",[1445,1357,103,1360,102],{"_path":1513,"title":1514,"description":1515,"image":1516,"date":1517,"author_name":95,"author_avatar":96,"tags":1518,"category":1362,"reading_time":1456},"/blog/payment-redirection-scams-property-settlement-australia-2026","Payment Redirection Scams at Settlement: 2026 Buyer Guide","Payment redirection scams cost Australians $166.8 million in 2025. The verification steps that protect your deposit at settlement, and who pays when nobody runs them.","https://images.unsplash.com/photo-1614064548237-096f735f344f?q=80&auto=format","2026-09-08",[1360,1357,1358,98,102],{"_path":1520,"title":1521,"description":1522,"image":1523,"date":1524,"author_name":95,"author_avatar":96,"tags":1525,"category":1528,"reading_time":105},"/blog/apra-debt-to-income-cap-2026-what-it-means-for-buyers","APRA's 6x Debt-to-Income Cap: It Limits Your Bank, Not You","10.8% of new investor loans are already at 6x income or more. What counts in your debt-to-income ratio under APRA's 2026 cap, and the fastest ways to cut it.","https://images.unsplash.com/photo-1599617490130-e178539d4f4f?q=80&auto=format","2026-09-07",[101,1526,1371,1527,102],"home-loans","finance","Policy Analysis",{"_path":586,"title":1530,"description":1531,"image":1532,"date":1533,"author_name":95,"author_avatar":96,"tags":1534,"category":104,"reading_time":1504},"Negative Equity in Australia 2026: The 5% Deposit Risk","How far can prices fall before a 5% deposit buyer is underwater? On paper 6.1%, in practice 2.6%. The negative equity arithmetic for Australia's scheme buyers.","https://images.unsplash.com/photo-1758523418820-a492bf647c63?q=80&auto=format","2026-09-06",[98,1526,1445,102,103],{"_path":1536,"title":1537,"description":1538,"image":1539,"date":1540,"author_name":95,"author_avatar":96,"tags":1541,"category":1373,"reading_time":1543},"/blog/land-tax-australia-2026-state-by-state-holding-costs","The Holding Cost Nobody Budgets For: Land Tax by State in 2026","Land tax thresholds run from $50,000 in Victoria to $1,075,000 in NSW, and the Northern Territory has none. A state-by-state guide for Australian property buyers.","https://images.unsplash.com/photo-1631557777232-a2632ae3c67d?q=80&auto=format","2026-09-05",[1371,101,1542,102,1360],"investment-strategies","10 min read",{"_path":1545,"title":1546,"description":1547,"image":1548,"date":1549,"author_name":95,"author_avatar":96,"tags":1550,"category":1362,"reading_time":1482},"/blog/builder-insolvency-2026-house-and-land-due-diligence","If Your Builder Goes Under: Due Diligence Before You Sign a Build Contract in 2026","A record 3,490 construction firms failed in one year and costs are rising again. What home warranty insurance covers, what it does not, and how to vet a builder.","https://images.unsplash.com/photo-1785585508606-36e0b82f4887?q=80&auto=format","2026-09-04",[1358,1360,1551,1357,102],"new-builds",{"_path":1553,"title":1554,"description":1555,"image":1556,"date":1557,"author_name":95,"author_avatar":96,"tags":1558,"category":1362,"reading_time":1482},"/blog/buying-withdrawn-passed-in-stale-listings-australia-2026","The Homes Nobody Bought: How to Buy Withdrawn, Passed-In and Stale Listings","One in five auctions was withdrawn in June 2026 and clearance sits in the forties. The unsold stock is where buyer leverage lives, if you know how to find it.","https://images.unsplash.com/photo-1579678929710-862f8e01c0b2?q=80&auto=format","2026-09-03",[1358,1357,1359,1559,102],"auction-clearance",{"_path":1561,"title":1562,"description":1563,"image":1564,"date":1565,"author_name":95,"author_avatar":96,"tags":1566,"category":1362,"reading_time":1482},"/blog/trading-up-falling-market-2026-bridging-loans-low-valuations","Trading Up in a Falling Market: Bridging Loans, Low Valuations and the Order You Do It In","Upper quartile values fell 3.2% in three months while entry-level homes rose. For upgraders that is a discount, if you survive the bridging finance and the valuation.","https://images.unsplash.com/photo-1600725935160-f67ee4f6084a?q=80&auto=format","2026-09-02",[1358,1357,1526,102,1360],{"_path":1568,"title":1569,"description":1570,"image":1571,"date":1572,"author_name":95,"author_avatar":96,"tags":1573,"category":1528,"reading_time":1543},"/blog/underquoting-laws-2026-nsw-victoria-what-buyers-need-to-know","The Underquoting Crackdown: What the 2026 Laws Change for Property Buyers","NSW lifts underquoting penalties to $110,000 and Victoria forces reserve prices into the open a week before auction. What the 2026 reforms mean for buyers.","https://images.unsplash.com/photo-1725379448168-e33c5e09d47e?q=80&auto=format","2026-09-01",[101,1559,1357,1360,1358],{"_path":879,"title":1575,"description":1576,"image":1577,"date":1578,"author_name":95,"author_avatar":96,"tags":1579,"category":1447,"reading_time":1482},"Borrowing Capacity in 2026: Why Cheaper Houses Are Not Making Buying Easier","Three RBA hikes took the cash rate to 4.35% and stripped tens of thousands from buyer budgets. What Australians can actually borrow in 2026, and how to protect it.","https://images.unsplash.com/photo-1554224155-6726b3ff858f?q=80&auto=format","2026-08-31",[1445,1526,98,102,1357],{"_path":1581,"title":1582,"description":1583,"image":1584,"date":1585,"author_name":95,"author_avatar":96,"tags":1586,"category":1528,"reading_time":1543},"/blog/aml-id-checks-property-buyers-australia-2026","New ID Checks on Every Property Purchase: What Australia's 2026 AML Rules Mean for Buyers","From 1 July 2026, agents, conveyancers and buyer's agents must verify your identity and source of funds on every property purchase. Here is what buyers need.","https://images.unsplash.com/photo-1454496406107-dc34337da8d6?q=80&auto=format","2026-08-30",[101,1360,1357,1358,102],{"_path":1588,"title":1589,"description":1590,"image":1591,"date":1592,"author_name":95,"author_avatar":96,"tags":1593,"category":1362,"reading_time":1482},"/blog/five-market-signals-every-property-buyer-should-read","Five Market Signals Every Property Buyer Should Learn to Read","Property market signals explained for Australian buyers: how to read auction clearance rates, listings, days on market, vendor discounts and yields.","https://images.unsplash.com/photo-1551288049-bebda4e38f71?q=80&auto=format","2026-08-12",[1358,1445,1357,1360,1559],{"_path":1595,"title":1596,"description":1597,"image":1598,"date":1599,"author_name":95,"author_avatar":96,"tags":1600,"category":1528,"reading_time":1482},"/blog/short-stay-rules-australia-2026-airbnb-levy-property-investors","Short-Stay Rules in 2026: What the Airbnb Crackdown Means for Property Investors","Short-stay rules in 2026, state by state: Victoria's 7.5% levy, NSW's 180-day cap, WA's register, Hobart's crackdown, and the investor maths compared.","https://images.unsplash.com/photo-1763382737724-74f4a01ca817?q=80&auto=format","2026-08-11",[1601,1602,1371,101,1372],"short-term-rental","short-stay-levy",{"_path":1604,"title":1605,"description":1606,"image":1607,"date":1608,"author_name":95,"author_avatar":96,"tags":1609,"category":1447,"reading_time":1482},"/blog/melbourne-best-value-capital-city-2026","Is Melbourne Australia's Best-Value Capital City in 2026?","Is Melbourne Australia's best-value capital city in 2026? We weigh the Sydney price gap, investor exit, land tax, concessions and forecasts for buyers.","https://images.unsplash.com/photo-1758382850717-8dcb01bd1fc0?q=80&auto=format","2026-08-10",[14,102,103,1371,1445],{"_path":1611,"title":1612,"description":1613,"image":1614,"date":1615,"author_name":95,"author_avatar":96,"tags":1616,"category":1373,"reading_time":1482},"/blog/investor-exodus-2026-what-landlords-selling-means-buyers-renters","Landlords Are Selling: What the 2026 Investor Exodus Means for Buyers and Renters","Investor exodus 2026: why landlords are selling, what ex-rental stock means for buyers, and what 1.3% vacancy and 5.9% rent growth mean for renters.","https://images.unsplash.com/photo-1643804926339-e94f0a655185?q=80&auto=format","2026-08-09",[1371,1617,1391,102,98],"rental-market",{"_path":1619,"title":1620,"description":1621,"image":1622,"date":1623,"author_name":95,"author_avatar":96,"tags":1624,"category":1447,"reading_time":1482},"/blog/regional-property-boom-splitting-2026-where-values-still-rising","The Regional Property Boom Is Splitting: Where Values Are Still Rising in 2026","The regional property boom is splitting in 2026: Cotality data shows regional NSW, VIC and QLD cooling while regional SA and WA values are still rising.","https://images.unsplash.com/photo-1783427118514-38389319a8ee?q=80&auto=format","2026-08-08",[1625,102,1445,1626,1371],"regional-property","lifestyle-buyers",{"_path":1628,"title":1629,"description":1630,"image":1631,"date":1632,"author_name":95,"author_avatar":96,"tags":1633,"category":104,"reading_time":1482},"/blog/two-speed-property-market-australia-2026-entry-level-rising","Australia's Two-Speed Property Market: Why Entry-Level Homes Keep Rising in 2026","Australia's two-speed property market explained: why entry-level homes keep rising in 2026 while the top end falls, and how first home buyers can respond.","https://images.unsplash.com/photo-1772326530280-55f4ded4e23c?q=80&auto=format","2026-08-07",[102,98,1634,103,1445],"first-home-guarantee",{"_path":1636,"title":1637,"description":1638,"image":1639,"date":1640,"author_name":95,"author_avatar":96,"tags":1641,"category":1447,"reading_time":1482},"/blog/buying-in-a-falling-market-australia-2026-buyers-guide","Buying in a Falling Market: How to Use Australia's 2026 Downturn to Your Advantage","Buying in a falling market in 2026: what Cotality's July data shows, how to price off recent sales, negotiate conditions back in and win passed-in homes.","https://images.unsplash.com/photo-1760129745103-91c4022ed5fb?q=80&auto=format","2026-08-06",[102,1642,1357,1359,1643],"market-downturn","buyers-agent",{"_path":1645,"title":1646,"description":1647,"image":1648,"date":1649,"author_name":95,"author_avatar":96,"tags":1650,"category":1373,"reading_time":1482},"/blog/granny-flats-second-dwellings-australia-2026-add-value-income","Granny Flat Rules in 2026: How to Add Value or Rental Income","Granny flat rules explained for 2026: what a secondary dwelling is, NSW size and lot limits, CDC vs DA approval, renting it out, and why rules vary by state.","https://images.unsplash.com/photo-1763303251296-feb1a07a7dd0?q=80&auto=format","2026-07-06",[1651,1652,1371,1372,102],"granny-flat","secondary-dwelling",{"_path":855,"title":1654,"description":1655,"image":1656,"date":1657,"author_name":95,"author_avatar":96,"tags":1658,"category":104,"reading_time":1363},"Stamp Duty in Australia 2026: A State-by-State Guide for Buyers","Stamp duty Australia 2026: a clear state-by-state guide. How transfer duty works, NSW, VIC and QLD first home buyer concessions, and how to estimate yours.","https://images.unsplash.com/photo-1734328819658-0c3ceef27c46?q=80&auto=format","2026-07-05",[1659,98,1660,1358,102],"stamp-duty","property-costs",{"_path":1662,"title":1663,"description":1664,"image":1665,"date":1666,"author_name":95,"author_avatar":96,"tags":1667,"category":1362,"reading_time":1543},"/blog/how-to-buy-at-auction-australia-buyers-playbook","How to Buy at Auction in Australia: A Buyer's Playbook","How to buy at auction in Australia: the no cooling-off rule, your 10% deposit, pre-auction homework, what passed in means, and when to use a buyer's agent.","https://images.unsplash.com/photo-1610165437422-16d6f9b9d063?q=80&auto=format","2026-07-04",[1668,1357,1358,1643,98],"property-auction",{"_path":1670,"title":1671,"description":1672,"image":1673,"date":1674,"author_name":95,"author_avatar":96,"tags":1675,"category":1362,"reading_time":1543},"/blog/buying-off-the-plan-australia-2026-risks-rewards-tax-advantage","Buying Off the Plan in Australia, 2026: Risks, Rewards and the New-Build Tax Advantage","Buying off the plan in Australia in 2026: the real risks, rewards, Victoria's stamp duty concession and the 2027 new-build negative gearing edge explained.","https://images.unsplash.com/photo-1485083269755-a7b559a4fe5e?q=80&auto=format","2026-07-03",[1676,1358,1551,1371,102],"off-the-plan",{"_path":610,"title":1678,"description":1679,"image":1680,"date":1681,"author_name":95,"author_avatar":96,"tags":1682,"category":104,"reading_time":1543},"First Home Guarantee 2026: How to Buy With a 5% Deposit and No LMI","First Home Guarantee 2026 explained: buy with a 5% deposit and no LMI, plus the new no-income-cap and unlimited-places rules, price caps and eligibility.","https://images.unsplash.com/photo-1580709430621-697349bd4bb9?q=80&auto=format","2026-07-02",[98,1634,1683,1417,102,1358],"5-percent-deposit",{"_path":892,"title":1685,"description":1686,"image":1687,"date":1688,"author_name":95,"author_avatar":96,"tags":1689,"category":104,"reading_time":1482},"Co-Buying Property in Australia: How to Team Up to Beat Affordability (Without Risking the Friendship)","Co-buying property in Australia is rising fast. Compare ownership structures, the joint liability trap, co-ownership agreements and exit planning first.","https://images.unsplash.com/photo-1758523671071-4e3c43d055e6?q=80&auto=format","2026-07-01",[1690,103,98,1358,1691],"co-buying","ownership-structures",{"_path":1693,"title":1694,"description":1695,"image":1696,"date":1697,"author_name":95,"author_avatar":96,"tags":1698,"category":1362,"reading_time":1543},"/blog/home-insurance-affordability-crisis-australia-2026-what-buyers-need-to-know","The Home Insurance Affordability Crisis: What Australian Property Buyers Need to Know in 2026","Home insurance affordability in Australia is in crisis in 2026. Premiums up 51%, flood and bushfire risk biting. Check risk and get a quote before you buy.","https://images.unsplash.com/photo-1657069343999-39722b95f1d8?q=80&auto=format","2026-06-30",[1699,1700,1358,98,1360],"home-insurance","climate-risk",{"_path":1702,"title":1703,"description":1704,"image":1705,"date":1706,"author_name":95,"author_avatar":96,"tags":1707,"category":1373,"reading_time":1482},"/blog/build-to-rent-boom-australia-2026-renters-and-buyers","Build-to-Rent Australia Hits $40 Billion: What the 2026 Boom Means for Renters and Buyers","Build-to-rent Australia just passed $40 billion and 51,000 apartments. See what the 2026 BTR boom means for renters chasing security and buyers watching supply.","https://images.unsplash.com/photo-1534655610770-dd69616f05ff?q=80&auto=format","2026-06-29",[1708,1617,1371,1429,102],"build-to-rent",{"_path":1710,"title":1711,"description":1712,"image":1713,"date":1714,"author_name":95,"author_avatar":96,"tags":1715,"category":1447,"reading_time":1543},"/blog/foreign-buyer-ban-extended-2029-what-it-means-for-australian-buyers","Australia's Foreign Buyer Ban Extended to 2029: What It Means for Local Buyers","Australia's foreign buyer ban is now extended to 2029, blocking established-home purchases. See who's captured, who's exempt and what it means for buyers.","https://images.unsplash.com/photo-1666000346172-8e7e87547d2a?q=80&auto=format","2026-06-28",[1716,1717,1718,98,102],"foreign-investment","policy-analysis","property-market",{"_path":1720,"title":1721,"description":1722,"image":1723,"date":1724,"author_name":95,"author_avatar":96,"tags":1725,"category":1528,"reading_time":1363},"/blog/negative-gearing-cgt-changes-2026-budget-what-it-means-for-property-buyers","Negative Gearing Changes 2026: What the Budget CGT Reforms Mean for Australian Property Buyers","Negative gearing changes 2026 explained: who's grandfathered, the new CGT discount and 30% minimum tax, and what the 2027 reforms mean for property buyers.","https://images.unsplash.com/photo-1672886974518-2549f2f98e5a?q=80&auto=format","2026-06-27",[1391,1726,1371,1727,1728,1445],"capital-gains-tax","tax-reform","2026-budget",{"_path":1730,"title":1731,"description":1732,"image":1733,"date":1734,"author_name":95,"author_avatar":96,"tags":1735,"category":1362,"reading_time":1737},"/blog/what-does-a-buyers-agent-do-in-australia","What Does a Buyer's Agent Do? A Complete Guide for Australian Property Buyers","Learn exactly what a buyer's agent does in Australia, how they help you purchase property, what services they provide, and why thousands of Australians use them to buy homes and investment properties.","https://images.unsplash.com/photo-1560518883-ce09059eeffa?q=80&auto=format","2026-04-16",[1361,1736,98,1399],"property-buying","8 min read",{"_path":1739,"title":1740,"description":1741,"image":1577,"date":1734,"author_name":95,"author_avatar":96,"tags":1742,"category":1362,"reading_time":1744},"/blog/how-much-does-a-buyers-agent-cost-in-australia","How Much Does a Buyer's Agent Cost in Australia? 2026 Fee Guide","Complete breakdown of buyer's agent fees in Australia for 2026. Understand fixed fees, percentage-based pricing, what's included, and whether the cost is worth it for your property purchase.",[1361,1736,1743,1399],"fees","7 min read",{"_path":1746,"title":1747,"description":1748,"image":1749,"date":1734,"author_name":95,"author_avatar":96,"tags":1750,"category":1362,"reading_time":1752},"/blog/do-i-need-a-buyers-agent-to-buy-property-in-australia","Do I Need a Buyer's Agent? When It's Worth It (and When It's Not)","Honest assessment of whether you need a buyer's agent in Australia. We break down the scenarios where a buyer's advocate adds real value and when you can confidently go it alone.","https://images.unsplash.com/photo-1582407947304-fd86f028f716?q=80&auto=format",[1361,1736,98,1751],"advice","6 min read",{"_path":1754,"title":1755,"description":1756,"image":1757,"date":1758,"author_name":95,"author_avatar":96,"tags":1759,"category":1362,"reading_time":1543},"/blog/find-buyer-agent-sydney-guide","How to Find a Buyer Agent in Sydney: Your Complete 2026 Guide","Find the right buyer agent in Sydney with our comprehensive guide. Compare verified buyers advocates, understand fees, and get matched with local experts across Sydney's competitive property market.","https://images.unsplash.com/photo-1506973035872-a4ec16b8e8d9?q=80&auto=format&fit=clip","2026-03-20",[1361,1428,1399,98],{"_path":1761,"title":1762,"description":1763,"image":1764,"date":1758,"author_name":95,"author_avatar":96,"tags":1765,"category":1362,"reading_time":1543},"/blog/find-buyer-agent-melbourne-guide","How to Find a Buyer Agent in Melbourne: Your Complete 2026 Guide","Find the right buyer agent in Melbourne with our comprehensive guide. Compare verified buyers advocates, understand fees, and get expert help navigating Melbourne's auction-heavy property market.","https://images.unsplash.com/photo-1514395462725-fb4566210144?q=80&auto=format&fit=clip",[1361,1474,1399,98],{"_path":1767,"title":1768,"description":1769,"image":1770,"date":1758,"author_name":95,"author_avatar":96,"tags":1771,"category":1362,"reading_time":1543},"/blog/find-buyer-agent-brisbane-guide","How to Find a Buyer Agent in Brisbane: Your Complete 2026 Guide","Find the right buyer agent in Brisbane. Compare verified buyers advocates, understand fees, and get expert help navigating Brisbane's fast-growing property market in 2026.","https://images.unsplash.com/photo-1711080222192-cab50dc56ff6?q=80&auto=format&fit=clip",[1361,1464,1399,1772],"investment",{"_path":1774,"title":1775,"description":1776,"image":1777,"date":1758,"author_name":95,"author_avatar":96,"tags":1778,"category":1362,"reading_time":1780},"/blog/find-buyer-agent-perth-guide","How to Find a Buyer Agent in Perth: Your Complete 2026 Guide","Find the right buyer agent in Perth. Compare verified buyers advocates and get expert help navigating Western Australia's resurging property market with confidence.","https://images.unsplash.com/photo-1629522244811-97becb53a9c4?q=80&auto=format&fit=clip",[1361,1779,1399,1772],"wa","9 min read",{"_path":1782,"title":1783,"description":1784,"image":1785,"date":1758,"author_name":95,"author_avatar":96,"tags":1786,"category":1362,"reading_time":1780},"/blog/find-buyer-agent-adelaide-guide","How to Find a Buyer Agent in Adelaide: Your Complete 2026 Guide","Find the right buyer agent in Adelaide. Compare verified buyers advocates and get expert help buying property in South Australia's affordable and growing market.","https://images.unsplash.com/photo-1659624192447-1a7ece00ff52?q=80&auto=format&fit=clip",[1361,1787,1399,98],"sa",{"_path":1789,"title":1790,"description":1791,"image":1792,"date":1758,"author_name":95,"author_avatar":96,"tags":1793,"category":1362,"reading_time":1780},"/blog/find-buyer-agent-canberra-guide","How to Find a Buyer Agent in Canberra: Your Complete 2026 Guide","Find the right buyer agent in Canberra. Compare verified buyers advocates and get expert help buying property in the ACT's unique leasehold market.","https://images.unsplash.com/photo-1672264597620-d792bb6de88d?q=80&auto=format&fit=clip",[1361,1794,1399,98],"act",{"_path":1796,"title":1797,"description":1798,"image":1799,"date":1758,"author_name":95,"author_avatar":96,"tags":1800,"category":1362,"reading_time":1737},"/blog/find-buyer-agent-hobart-guide","How to Find a Buyer Agent in Hobart: Your Complete 2026 Guide","Find the right buyer agent in Hobart. Compare verified buyers advocates and get expert help buying property in Tasmania's growing capital city.","https://images.unsplash.com/photo-1582539934730-cdf1770948d2?q=80&auto=format&fit=clip",[1361,1801,1399,1772],"tas",{"_path":1803,"title":1804,"description":1805,"image":1806,"date":1758,"author_name":95,"author_avatar":96,"tags":1807,"category":1362,"reading_time":1737},"/blog/find-buyer-agent-darwin-guide","How to Find a Buyer Agent in Darwin: Your Complete 2026 Guide","Find the right buyer agent in Darwin. Compare verified buyers advocates and get expert help buying property in the Northern Territory's unique tropical market.","https://images.unsplash.com/photo-1637245057059-bc7c9df9e333?q=80&auto=format&fit=clip",[1361,1808,1399,1772],"nt",{"_path":1810,"title":1811,"description":1812,"image":1813,"date":1814,"author_name":95,"author_avatar":96,"tags":1815,"category":1447,"reading_time":1543},"/blog/how-ai-and-proptech-are-changing-the-way-australians-buy-property","How AI and PropTech Are Changing the Way Australians Buy Property in 2026","Discover how AI valuations, virtual inspections, and PropTech tools are transforming Australian property buying. Learn which tools deliver real results and why human expertise still matters.","https://images.unsplash.com/photo-1671417722838-3fbaa7f66203?q=80&auto=format","2026-03-04",[1816,1371,1361,1817,1445,98],"technology","gomatch",{"_path":1819,"title":1820,"description":1821,"image":1822,"date":1823,"author_name":1824,"author_avatar":1825,"tags":1826,"category":1830,"reading_time":1737},"/blog/wealth-creation-through-property-investment-and-passive-income","Wealth Creation Through Property Investment and Passive Income","Discover how diversified income streams alongside property investment strategies can secure sustainable financial success. Brisbane professionals share insights on debt recycling, negative gearing, SMSFs, and retirement planning for Australian investors.","https://images.unsplash.com/photo-1622996965411-3ba635423d49?q=80&auto=format","2026-03-02","Lauren Jones Buyers Agency","https://i.imgur.com/DN7klm6.png",[1371,1827,1527,1464,1828,1829],"investment-strategy","property-strategy","planning","Investment Strategies",{"_path":1832,"title":1833,"description":1834,"image":1556,"date":1835,"author_name":95,"author_avatar":96,"tags":1836,"category":1447,"reading_time":1363},"/blog/australia-12-trillion-property-milestone-house-unit-price-gap-2025","The $12 Trillion Milestone: Understanding Australia's Record Property Wealth Divide Between Houses and Units","Australia's residential real estate has hit a historic $12 trillion valuation, but the gap between house and unit prices has widened to a record $363,000. Discover what's driving this divide, where units offer better value, and how to make strategic property decisions in 2025.","2025-12-05",[1445,1371,98,103,1837,1838,1429],"2025-market","units",{"_path":1840,"title":1841,"description":1842,"image":1843,"date":1844,"author_name":1824,"author_avatar":1825,"tags":1845,"category":1447,"reading_time":1744},"/blog/australias-housing-crisis-brisbane-vacancy-rates-warning-sign","Australia's Housing Crisis: Brisbane's Vacancy Rates Are the Warning Sign","Brisbane's ultra-low vacancy rates reveal the depth of Australia's housing crisis. Learn how vacancy rates impact renters and buyers, and strategies to navigate the competitive market with expert insights.","https://images.unsplash.com/photo-1608094920984-5b54ce1bb792?q=80&w=2670&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D","2025-10-04",[1445,1617,98,1371,1464,103,1837,1361],{"_path":1847,"title":1848,"description":1849,"image":1850,"date":1851,"author_name":95,"author_avatar":96,"tags":1852,"category":1447,"reading_time":1543},"/blog/mortgage-delinquency-hotspots-understanding-australias-payment-stress-map","Mortgage Delinquency Hotspots: Understanding Australia's Payment Stress Map","Navigate Australia's mortgage stress landscape with our comprehensive suburb analysis. Discover which areas face the highest delinquency rates, understand the economic factors driving payment stress, and learn strategies to assess mortgage risk before buying.","https://images.unsplash.com/photo-1670154843956-c583b8bb984b?q=80&auto=format","2025-09-16",[1445,1371,98,1853],"mortgage",{"_path":1855,"title":1856,"description":1857,"image":1858,"date":1859,"author_name":95,"author_avatar":96,"tags":1860,"category":1373,"reading_time":1363},"/blog/7-star-energy-revolution-nathers-changes-transform-australian-home-values","7-Star Energy Revolution: How NatHERS Changes in 2025 Will Transform Australian Home Values","Discover how Australia's new 7-star energy rating requirements and the expansion of NatHERS to existing homes in 2025 are reshaping property values, creating green loan opportunities, and saving homeowners thousands in energy costs.","https://images.unsplash.com/photo-1603093879014-7a64a851033b?q=80&auto=format","2025-09-09",[1371,1407,1445,98],{"_path":1862,"title":1863,"description":1864,"image":1865,"date":1866,"author_name":95,"author_avatar":96,"tags":1867,"category":104,"reading_time":105},"/blog/help-to-buy-vs-going-solo-navigating-australias-shared-equity-landscape-2025","Help to Buy vs Going Solo: Navigating Australia's New Shared Equity Landscape in 2025","With the federal Help to Buy scheme launching late 2025, discover how shared equity could help you buy with just 2% deposit, the pros and cons of government co-ownership, and whether it's better than traditional home buying paths.","https://images.unsplash.com/photo-1695686566301-ec088e031128?q=80&auto=format","2025-09-08",[98,1417,1527,1371],{"_path":1869,"title":1870,"description":1871,"image":1872,"date":1873,"author_name":95,"author_avatar":96,"tags":1874,"category":104,"reading_time":1543},"/blog/the-168000-deposit-reality-mortgage-brokers-helping-first-home-buyers-5-percent-down","The $168,000 Deposit Reality: How Mortgage Brokers Are Helping First-Home Buyers Break In With 5% Down","With median house prices requiring $168,000 deposits, discover how mortgage brokers are leveraging government schemes, low deposit loans, and strategic financing to help first-home buyers enter the property market with as little as 5% down in 2025.","https://images.unsplash.com/photo-1626178793926-22b28830aa30?q=80&auto=format","2025-09-04",[98,1875,1876,1527],"mortgage-broker","mortgages",{"_path":1878,"title":1879,"description":1880,"image":1881,"date":1882,"author_name":95,"author_avatar":96,"tags":1883,"category":1891,"reading_time":105},"/blog/tiktok-vs-rea-group-social-media-disrupting-4000-property-ads","TikTok vs REA Group: How Social Media is Disrupting $4,000 Property Ads","Agents like Luke Saville are bypassing expensive traditional advertising ($4,000 REA, $1,500-$3,000 Domain) by using free TikTok and Instagram. His Hawthorn apartment achieved 325,000 views and sold above asking price in just 5 days.","https://images.unsplash.com/photo-1723705027411-9bfc3c99c2e9?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3w3Njg5ODR8MHwxfHNlYXJjaHw4fHxUaWtUb2slMjBwaG9uZSUyMHJlYWwlMjBlc3RhdGUlMjBwcm9wZXJ0eSUyMG1hcmtldGluZyUyMHNvY2lhbCUyMG1lZGlhfGVufDB8MHx8fDE3NTY2Njg5NDh8MA&ixlib=rb-4.1.0&q=80&w=1080","2025-09-01",[1884,1885,1886,1887,1888,1889,1890],"social-media","property-marketing","tiktok","real-estate-innovation","marketing-strategy","cost-effective","digital-disruption","Marketing Innovation",{"_path":1893,"title":1894,"description":1895,"image":1896,"date":1897,"author_name":95,"author_avatar":96,"tags":1898,"category":1373,"reading_time":1456},"/blog/newcastle-million-dollar-suburb-surge-5-investment-hotspots-2025","Newcastle's Million-Dollar Suburb Surge: 5 Investment Hotspots for 2025","Newcastle's property market delivers impressive 5.37% growth with record 1.4% population increase. Discover Mayfield's 9.3% growth, Waratah's 12.2% surge, and why experts predict 5-7% gains in premium Merewether.","https://images.unsplash.com/photo-1607420116175-7fcc2100f14a?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3w3Njg5ODR8MHwxfHNlYXJjaHwyfHxOZXdjYXN0bGUlMjBBdXN0cmFsaWElMjBjaXR5JTIwc2t5bGluZSUyMHByb3BlcnR5JTIwaW52ZXN0bWVudHxlbnwwfHx8fDE3NTUzOTgzMTF8MA&ixlib=rb-4.1.0&q=80&w=1080","2025-08-31",[50,1371,1445,1428,1827,1625,1837],{"_path":1900,"title":1901,"description":1902,"image":1903,"date":1904,"author_name":95,"author_avatar":96,"tags":1905,"category":1528,"reading_time":1363},"/blog/australia-housing-tax-reform-policy-debate-growing-calls-for-change","Australia's Housing Tax Reform Debate: Growing Calls for Policy Change in 2025","Leading economists argue Australia has become a 'home owners' welfare state' as calls grow for housing tax reform. Explore the debate over negative gearing, capital gains discounts, and their $190 billion cost over the next decade.","https://images.unsplash.com/photo-1672264597620-d792bb6de88d?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3w3Njg5ODR8MHwxfHNlYXJjaHwxfHxhdXN0cmFsaWElMjBwYXJsaWFtZW50JTIwaG91c2UlMjBnb3Zlcm5tZW50JTIwcG9saWN5JTIwdGF4JTIwcmVmb3JtfGVufDB8fHx8MTc1NTM1MjUyMHww&ixlib=rb-4.1.0&q=80&w=1080","2025-08-19",[1727,101,1391,1906,1907,1445,1908],"capital-gains","housing-affordability","government-policy",{"_path":1910,"title":1911,"description":1912,"image":1913,"date":1914,"author_name":95,"author_avatar":96,"tags":1915,"category":1362,"reading_time":1363},"/blog/australia-11-major-real-estate-associations-comprehensive-guide-2025","Australia's 11 Major Real Estate Associations: Your Complete Guide to Professional Standards in 2025","Discover Australia's 11 leading real estate associations from REINSW to REBAA. Learn about membership benefits, professional standards, and how these associations protect your property interests.","https://images.unsplash.com/photo-1613155961736-d0782a58f170?q=80&auto=format","2025-08-18",[1916,1361,1917,1918,1919,1399,1920],"professional-standards","real-estate-associations","licensing","accreditation","industry-standards",{"_path":1922,"title":1923,"description":1924,"image":1925,"date":1926,"author_name":95,"author_avatar":96,"tags":1927,"category":104,"reading_time":1737},"/blog/first-home-buyer-exodus-q1-2025-why-government-schemes-arent-working","The First Home Buyer Exodus: Why Government Schemes Aren't Stopping the Q1 2025 Decline","First home buyer lending drops to 29.0% in Q1 2025, the lowest since 2022 despite government support. Discover why investors are winning the battle for entry-level properties and what this means for aspiring homeowners.","https://images.unsplash.com/photo-1736319666684-a0f1f6b679cc?q=80&auto=format","2025-08-16",[98,1445,103,1417,1837,1371,1928],"lending",{"_path":1930,"title":1931,"description":1932,"image":1933,"date":1934,"author_name":95,"author_avatar":96,"tags":1935,"category":1373,"reading_time":1363},"/blog/climate-resilient-property-investment-energy-efficiency-as-the-new-value-driver","Climate-Resilient Property Investment: Energy Efficiency as the New Value Driver","Discover how energy-efficient properties are commanding 14.5% premiums in 2025. Learn about climate risks, NatHERS ratings, and government incentives shaping Australia's sustainable property market.","https://images.unsplash.com/flagged/photo-1566838803980-56bfa5300e8c?q=80&w=2070&auto=format","2025-07-22",[1371,1407,1837,1827,1445,1527],{"_path":1937,"title":1938,"description":1939,"image":1940,"date":1941,"author_name":95,"author_avatar":96,"tags":1942,"category":1373,"reading_time":1382},"/blog/the-regional-renaissance-work-from-home-property-goldmines-beyond-capital-cities","The Regional Renaissance: How Work-From-Home Is Creating Property Goldmines Beyond Capital Cities","Discover how remote work is driving unprecedented property growth in regional Australia. Explore investment opportunities, market trends, and strategic insights for capitalising on Australia's regional property renaissance in 2025.","https://images.unsplash.com/photo-1606989254570-02aa0d7ea083?q=80&w=2070&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3w3Njg5ODR8MHwxfHNlYXJjaHwxfHxzdWJ1cmJhbiUyMGhvdXNlcyUyMHJlZ2lvbmFsJTIwdG93bnxlbnwwfDB8fHwxNzUyNzE4NTcxfDA","2025-07-17",[1625,1371,1445,1827,1837,1617],{"_path":1944,"title":1945,"description":1946,"image":1947,"date":1948,"author_name":95,"author_avatar":96,"tags":1949,"category":1362,"reading_time":1363},"/blog/nsw-strata-law-reforms-2025-what-apartment-buyers-need-to-know","NSW Strata Law Reforms 2025: What Apartment Buyers Need to Know Before Purchasing","Comprehensive guide to the significant NSW strata law changes effective 1 July 2025, explaining how these reforms impact apartment buyers, investors, and owners in terms of transparency, governance, and financial obligations.","https://images.unsplash.com/photo-1545324418-cc1a3fa10c00?q=80&w=2070&auto=format","2025-07-12",[1428,1399,98,1772,103,1829],{"_path":1951,"title":1952,"description":1953,"image":1954,"date":1955,"author_name":1824,"author_avatar":1825,"tags":1956,"category":104,"reading_time":1752},"/blog/understanding-your-home-loan-options-before-you-borrow","Understanding Your Home Loan Options Before You Borrow","Expert insights into home loan structures, from basic vs package loans to variable vs fixed rates. Learn what you need to know before borrowing with tips from industry professionals.","https://images.unsplash.com/photo-1559067096-d109b66fd5af?q=80&w=2531&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D","2025-07-10",[1526,1876,98,1527,1371,1957,1446],"borrowing",{"_path":1959,"title":1960,"description":1961,"image":1962,"date":1963,"author_name":95,"author_avatar":96,"tags":1964,"category":1447,"reading_time":1737},"/blog/baby-boomers-hidden-opportunities-first-time-buyers","How Baby Boomers Are Creating Hidden Opportunities for First-Time Buyers","Discover how Baby Boomers' downsizing trends are creating unprecedented opportunities for first-time buyers in Australia's property market, and how buyer's agents can help you capitalise on these emerging trends.","https://images.unsplash.com/photo-1728022161206-ac10882e94f3?ixlib=rb-4.1.0&q=80&w=1080","2025-06-29",[98,1445,1361,1828,1965],"downsizing",{"_path":1967,"title":1968,"description":1969,"image":1970,"date":1971,"author_name":95,"author_avatar":96,"tags":1972,"category":1373,"reading_time":1382},"/blog/rentvesting-in-2025-buy-where-you-can-afford-live-where-you-want","Rentvesting in 2025: Buy Where You Can Afford, Live Where You Want","Discover how rentvesting lets you enter the property market while maintaining your lifestyle. Learn strategies, tax benefits, and 2025 market opportunities for smart property investment.","https://images.unsplash.com/photo-1724482606633-fa74fe4f5de1?q=80&w=2070&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D","2025-06-23",[1437,1371,98,1827,1617,1361],{"_path":1974,"title":1975,"description":1976,"image":1977,"date":1978,"author_name":95,"author_avatar":96,"reading_time":1737,"tags":1979,"category":104},"/blog/from-sydney-to-regional-affordable-first-home-buyer-areas-2025","From Sydney to Regional: Where First Home Buyers Can Still Afford to Buy in 2025","With Sydney deposits taking 8 years to save and Melbourne 5.5 years, discover the affordable regional towns and commuter areas where first home buyers can still enter the market in 2025.","https://images.unsplash.com/photo-1687586370709-9aec4143d89a?q=80&w=2070&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D","2025-06-21",[98,1625,103,1837,1428],{"_path":1981,"title":1982,"description":1983,"image":1984,"date":1985,"author_name":95,"author_avatar":96,"tags":1986,"category":104,"reading_time":1363},"/blog/why-now-is-the-sweet-spot-for-first-home-buyers-before-interest-rates-drop","Why NOW is the Sweet Spot for First Home Buyers (Before Interest Rates Drop)","Discover why first home buyers should act now before interest rates drop. Learn about current market opportunities, reduced competition, and strategic advantages in Australia's property market.","https://images.unsplash.com/photo-1456574808786-d2ba7a6aa654?ixlib=rb-4.1.0&q=80&w=1080","2025-06-15",[98,1446,1987,1828,1428,1474,1464,1361],"market-timing",{"_path":1989,"title":1990,"description":1991,"image":1992,"date":1993,"author_name":95,"author_avatar":96,"tags":1994,"category":1447,"reading_time":1382},"/blog/should-you-buy-now-or-wait-2025-market-trends-explained","Should You Buy Now or Wait? 2025 Market Trends Explained","Navigate Australia's property market with confidence. Expert analysis of 2025 trends for Sydney, Melbourne, Brisbane, and Perth buyers. Make informed decisions with real data and professional insights.","https://images.unsplash.com/photo-1609126808708-17b84d5a61c1?q=80&auto=format","2025-06-04",[1445,1428,1474,1464,98,1772,1361],{"_path":1996,"title":1997,"description":1998,"image":1999,"tags":2000,"category":1362,"reading_time":1752,"date":2001,"author_name":95,"author_avatar":96},"/blog/introducing-gomatch-propertygo-revolutionary-buyer-agent-matching-system","Introducing GoMatch: PropertyGo's Revolutionary Buyer Agent Matching System","How GoMatch works: tell us what and where you're buying, see up to three buyer's agencies that service your state, and choose who to talk to. Free for buyers, and no agency can pay to be on your shortlist.","https://images.unsplash.com/photo-1547190027-9156686aa2f0?q=80&auto=format",[1361,1399,1816,1817],"2025-05-24",{"_path":2003,"title":2004,"description":2005,"image":1872,"tags":2006,"category":2008,"reading_time":1543,"date":2009,"author_name":95,"author_avatar":96},"/blog/how-to-use-loan-repayment-calculator-to-plan-your-mortgage","How to Use a Loan Repayment Calculator to Plan Your Mortgage","Learn how to use a loan repayment calculator to understand your mortgage costs, compare scenarios, and plan your finances effectively. Estimate your monthly home loan repayments with PropertyGo's calculator.",[1853,1527,2007,1829,1526],"calculators","Calculators","2025-05-23",{"_path":2011,"title":2012,"description":2013,"image":2014,"date":2015,"author_name":95,"author_avatar":96,"tags":2016,"category":1362,"reading_time":105},"/blog/finding-the-right-buyer-agent-how-propertygo-simplifies-your-search","Finding the Right Buyer Agent: How PropertyGo Simplifies Your Search","Discover how PropertyGo's innovative matching service eliminates the frustration of finding the perfect buyer agent. Learn about common challenges in the search process and how our data-driven approach connects you with agents who match your specific property requirements.","https://images.unsplash.com/photo-1660165458059-57cfb6cc87e5?q=80&auto=format","2025-05-07",[1361,1399],{"_path":2018,"title":2019,"description":2020,"image":2021,"date":2022,"author_name":95,"author_avatar":96,"tags":2023,"category":1447,"reading_time":1780},"/blog/foreign-investment-trends-return-of-chinese-buyers","Foreign Investment Trends: The Return of Chinese Buyers","Explore the resurgence of Chinese buyers in Australia's property market in 2025. Learn what's driving renewed interest, how local markets are responding, and what this means for investors and homebuyers.","https://images.unsplash.com/photo-1554623515-3b2f224b92f2?q=80&auto=format","2025-05-05",[1772,1445,1428,1474,1464],{"_path":2025,"title":2026,"description":2027,"image":2028,"date":2029,"author_name":95,"author_avatar":96,"tags":2030,"category":1447,"reading_time":1737},"/blog/the-great-housing-shortfall-australia-1-2-million-homes-target","The Great Housing Shortfall: Can Australia Meet Its 1.2 Million Homes Target?","With Australia facing a projected shortfall of 300,000 homes by 2029, this article explores the causes, government strategies, and the implications for investors, developers, and homebuyers.","https://images.unsplash.com/photo-1491357492920-d2979986a84e?q=80&auto=format","2025-05-02",[1445,103,1772,98],{"_path":2032,"title":2033,"description":2034,"image":2035,"date":2036,"author_name":95,"author_avatar":96,"tags":2037,"category":1362,"reading_time":1363},"/blog/navigating-australias-housing-affordability-crisis-in-2025-strategies-for-first-home-buyers","Navigating Australia's Housing Affordability Crisis in 2025: Strategies for First-Home Buyers","Explore the challenges of housing affordability in Australia for 2025 and discover practical strategies, government schemes, and expert tips to help first-home buyers enter the property market.","https://images.unsplash.com/photo-1516503424803-708327384b90?q=80&auto=format","2025-04-26",[103,98,1361,1445],{"_path":2039,"title":2040,"description":2041,"image":2042,"date":2043,"author_name":95,"author_avatar":96,"tags":2044,"category":1830,"reading_time":1382},"/blog/the-rise-of-sustainable-housing-in-australia-investment-opportunities-and-market-trends-for-2025","The Rise of Sustainable Housing in Australia: Investment Opportunities and Market Trends for 2025","Explore how sustainable housing is reshaping Australia's property market in 2025, with insights into green building trends, investment opportunities, government incentives, and how eco-friendly features are driving property values across major cities and regional areas.","https://images.unsplash.com/photo-1542601906990-b4d3fb778b09?q=80&auto=format","2025-04-21",[1407,1772,1445,1428,1474,1464],{"_path":2046,"title":2047,"description":2048,"image":2049,"date":2050,"author_name":95,"author_avatar":96,"tags":2051,"category":1362,"reading_time":1456},"/blog/do-i-really-need-a-buyers-agent-answering-the-big-questions-before-you-commit","Do I Really Need a Buyer Agent? Answering the Big Questions Before You Commit","Explore whether you truly need a buyer agent for your property purchase. Get expert answers to common questions about buyer agents, their value, and when they're worth the investment in today's competitive real estate market.","https://images.unsplash.com/photo-1609643242070-c69786a76c30?q=80&auto=format&fit=clip","2025-04-13",[1361,1399,98],{"_path":2053,"title":2054,"description":2055,"image":2056,"date":2057,"author_name":95,"author_avatar":96,"tags":2058,"category":1362,"reading_time":1543},"/blog/property-buying-in-australia-exploring-different-types-and-their-pros-and-cons","Property Buying in Australia: Exploring Different Types and Their Pros and Cons","A comprehensive guide to the different property types available in the Australian market, including commercial, owner-occupier, investment, and rural properties. Discover the advantages and disadvantages of each to make an informed decision for your next property purchase.","https://images.unsplash.com/photo-1625432808071-25f649c4a0b0?q=80&auto=format&fit=crop","2025-04-12",[1772,98,1399],{"_path":2060,"title":2061,"description":2062,"image":2063,"date":2064,"author_name":95,"author_avatar":96,"tags":2065,"category":1447,"reading_time":1382},"/blog/top-10-suburbs-to-buy-property-in-australia-in-2025-expert-predictions-and-tips","Top 10 Suburbs to Buy Property in Australia in 2025: Expert Predictions and Tips","Discover the top 10 suburbs across Australia predicted to experience significant growth in 2025, with expert insights on median prices, growth rates, and rental yields to help you make informed property investment decisions.","https://images.unsplash.com/photo-1515861461225-1488dfdaf0a8?q=80&auto=format","2025-04-09",[1772,1445,1428,1474,1464,98],{"_path":2067,"title":2068,"description":2069,"image":2070,"date":2071,"author_name":95,"author_avatar":96,"tags":2072,"category":1362,"reading_time":1363},"/blog/top-5-things-to-look-before-deciding-the-best-buyer-agent","Top 5 Things to Look for Before Deciding on the Best Buyer Agent","Discover the essential factors to consider when choosing a buyer agent. Learn about experience, local knowledge, communication style, fee structures, and track record to ensure you select the best buyer agent for your property purchase.","https://images.unsplash.com/photo-1560518883-ce09059eeffa?q=80&auto=format&fit=clip","2025-04-01",[1361,1399],{"_path":2074,"title":2075,"description":2076,"image":2077,"date":2078,"author_name":95,"author_avatar":96,"tags":2079,"category":1362,"reading_time":1363},"/blog/should-you-hire-a-buyer-agent-in-2025-expert-insights-and-benefits","Should You Hire a Buyer Agent in 2025? Expert Insights and Benefits","Discover whether hiring a buyer agent in 2025 is worth the investment. Learn about the key benefits, potential cost savings, and expert insights to help you make an informed decision in today's competitive property market.","https://images.unsplash.com/photo-1732717566587-f5a155bd8dea?q=80&auto=format&fit=clip","2025-03-06",[1361,1399,98,1772],{"_path":2081,"title":2082,"description":2083,"image":2084,"date":2085,"author_name":95,"author_avatar":96,"tags":2086,"category":1466,"reading_time":1737},"/blog/top-10-best-property-buyer-agents-in-nsw-august-2024","Top 10 Best Property Buyer Agents in NSW (August, 2024)","A comprehensive guide to the most trusted and highly reviewed property buyer agents in New South Wales, offering expert advice and services to help you navigate the property market with ease.","https://images.unsplash.com/photo-1523482580672-f109ba8cb9be?q=80&auto=format","2024-08-10",[1361,1428,1465,1399],{"_path":2088,"title":2089,"description":2090,"image":2091,"date":2092,"author_name":95,"author_avatar":96,"tags":2093,"category":1466,"reading_time":1737},"/blog/top-10-best-property-buyer-agents-in-qld-august-2024","Top 10 Best Property Buyer Agents in QLD (August, 2024)","A curated list of the top property buyer agents in Queensland, recognized for their expertise, professionalism, and client satisfaction. These agents are the best in the industry, offering comprehensive services to help you navigate the property market with ease.","https://images.unsplash.com/photo-1607309843659-f4ad95cf3277?q=80&auto=format&fit=clip","2024-08-09",[1361,1464,1465,1399],{"_path":2095,"title":2096,"description":2097,"image":1764,"date":2098,"author_name":95,"author_avatar":96,"tags":2099,"category":1466,"reading_time":1737},"/blog/top-10-best-property-buyer-agents-in-vic-august-2024","Top 10 Best Property Buyer Agents in VIC (August, 2024)","An in-depth look at the top property buyer agents in Victoria, known for their expertise, client satisfaction, and exceptional service. These agents provide valuable insights and support, helping you navigate the Victorian property market with confidence.","2024-08-08",[1361,1474,1465,1399],1792140325355]