At Gain Home Loans, we know that every shift in the housing market matters to you — whether you’re buying your first home, investing in property, or simply looking for ways to stay ahead financially.

The 2025 Australian Federal Budget has just been announced, and while the headlines focus on tax cuts and cost-of-living relief, there’s a lot here that affects property buyers and owners. Here’s our expert breakdown of what it means for you.

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💥 Big Win for First-Home Buyers

The government has committed $800 million in additional funding to expand its Help to Buy shared equity scheme, now set at a total of $6.3 billion.

Key changes:

• Income cap increases:
  
  • Individuals: from $90,000 → $100,000
    
  • Couples/single parents: from $120,000 → $160,000
    
• Higher property price caps — making more homes eligible.
  

This scheme helps first-home buyers get onto the property ladder faster by reducing the size of the deposit needed and sharing the purchase cost with the government.

✅ What it means for you: If you’re a first-home buyer, this could significantly boost your borrowing power — but note that the program will only roll out later this year if the Albanese government is re-elected. Talk to us early to plan ahead!

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🛠 Boost to Home Building — Faster Supply on the Way?

The government has also allocated:

• $54 million to support prefabricated and modular housing.
  
• $49.3 million to help states grow this sector.
  
• $4.7 million for a national certification process to streamline approvals.
  

This is part of the government’s ambitious goal to build 1.2 million new homes in five years — a much-needed supply boost in a market suffering from rising prices and tight inventory.

✅ Why it matters: More housing supply can help ease price pressures, especially in high-demand areas. If you’ve been waiting to buy, you may soon see more options on the market.

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💡 Cost-of-Living Relief — Indirect Help for Mortgage Holders

While there’s no direct help for existing homeowners in this budget, several cost-of-living measures may help relieve household budgets:

• Tax cuts:
  
  • $18,201–$45,000 income band → tax rate drops from 16% to 15% (July 2026), then to 14% (July 2027).
    
  • Estimated benefit: $268 in 2026, $536 in 2027 for earners above $45,000.
    
• Energy rebates: $150 saving on power bills until end of 2025.
  
• Healthcare savings: Bulk-billed GP visits boosted, medicine costs on PBS cut to $25.
  
• Student debt relief: 20% wiped from student loans, with higher repayment thresholds.
  

✅ Mortgage impact: With household budgets under pressure from rising mortgage rates, these measures may indirectly help homeowners cover other expenses — keeping finances more stable during uncertain times.

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🏠 The Big Picture: Where Is the Market Heading?

The government’s continued focus on housing affordability and new builds signals that the housing market will remain a central political and economic issue over the next few years.

But remember:

• The Help to Buy scheme is conditional on election outcomes.
  
• The supply boost from modular housing will take time to materialize.
  
• Demand-side pressures, population growth, and interest rate movements will continue to shape market trends.
  

At Gain Home Loans, we’re here to help you navigate these changing conditions, find the right home loan, and stay informed about your best opportunities.

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💬 Let’s Talk About Your Plans

If you’re a first-home buyer, investor, or looking to refinance, now is a smart time to:

• Review your borrowing capacity.
  
• Explore government schemes and grants.
  
• Position yourself ahead of market shifts.
  

👉 Contact us today for a free consultation — let’s turn today’s budget news into tomorrow’s smart property move!