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For first home buyers, 2025 is shaping up to be a year of opportunity. A combination of government initiatives, falling interest rates, and changing market dynamics is creating more favorable conditions for those looking to enter the property market.
The federal government has announced plans to expand the Help to Buy scheme, increasing income and price caps to help more Australians access homeownership with smaller deposits. The scheme allows eligible buyers to purchase property with as little as a 2% deposit, with the government contributing up to 40% for new homes and 30% for existing properties.
Property experts note that many investors have stepped back from the market due to low capital gains and increased regulations in states like Victoria. This has reduced competition for properties typically sought by first home buyers, particularly in the sub-$800,000 market segment.
While Sydney and Melbourne remain expensive, regional centers and outer suburbs are presenting compelling opportunities. Areas benefiting from infrastructure investment and population growth are showing strong potential for both lifestyle and investment returns.
Despite ongoing affordability challenges, Australian property prices are forecast to continue their upward trajectory through 2025, driven by fundamental supply and demand imbalances.
The outlook for Australian interest rates has shifted dramatically, with economists now forecasting a sustained easing cycle that could provide significant relief for mortgage holders.
Perth continues to outperform the national property market, with strong economic fundamentals and improved affordability driving sustained price growth.
The Australian property market is experiencing renewed optimism following the Reserve Bank of Australia's second interest rate cut of 2025
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