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.
Anderson Aguiar
Help to Buy took more than 7,200 applications in its first seven months. How its up-to-30% government share costs out against a 5% deposit loan on a $750,000 unit.
Anderson Aguiar
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.
Anderson Aguiar
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
Anderson Aguiar
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.
Anderson Aguiar
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.
Anderson Aguiar