<p>The Federal Government has announced that the expanded 5% deposit Home Guarantee Scheme will now start on <strong>1 October 2025</strong> - three months earlier than planned. This means <strong>no income caps, no limit on places, and higher property price caps</strong> across the country.</p><p><br></p><p>But what does this mean for you as a buyer? And could this actually fuel house price growth just as the <strong>spring property market</strong> ramps up?</p><p><br></p><p>In this episode, Evelyn breaks down:</p><ul><li><p> ✅ The exact changes from October 1 (price caps, unlimited places, 5% deposit, no LMI).</p></li><li><p> ✅ How this could impact house prices in the short vs the long term.</p></li><li><p> ✅ An action plan for First Home Buyers to be “Oct-1 ready.”</p></li><li><p> ✅ Myths and risks you <em>must</em> understand before diving in.</p></li></ul><p>This is your <strong>need-to-know guide</strong> to getting ahead of the rush.</p><p><br></p><p><strong>🔗 Resources &amp; Links</strong></p><ul><li><p><strong>Government announcement (ABC)</strong>: <a href="https://www.abc.net.au/news/2025-04-12/election-2025-labor-five-per-cent-deposits-first-homebuyers/105169984?utm_source=chatgpt.com"><u>Click here</u></a></p></li><li><p><strong>Housing Australia – new price caps by state</strong>: <a href="https://ensurelegal.com.au/first-homebuyer-guarantee-scheme-relaunching-1-january-2026-legal-insights-for-buyers/?utm_source=chatgpt.com"><u>Click here</u></a></p></li><li><p><strong>PBO costing on expanded scheme</strong>: <a href="https://www.pbo.gov.au/elections/2025-general-election/2025-election-commitments-costings/Delivering-100000-homes-and-5-deposits-all-first-home-buyers?utm_source=chatgpt.com"><u>Click here</u></a></p></li><li><p><strong>Discovery Call with Everlend (20 mins)</strong>: <a href="https://www.everlend.com.au/contact-us/"><u>Book here</u></a></p><p><br></p></li></ul><p>🎧 <strong>Related Episodes to Catch Up On</strong></p><ul><li><p><a href="https://mail.google.com/mail/u/0/#m_18529473797954179_"><u>Borrowing vs Purchase Capacity (30 Jul)</u></a></p></li><li><p><a href="https://mail.google.com/mail/u/0/#m_18529473797954179_"><u>Buy First or Sell First? (6 Aug)</u></a></p></li><li><p><a href="https://mail.google.com/mail/u/0/#m_18529473797954179_"><u>Finance File – FHB Solo at 95% No LMI (26 Jun)</u></a></p><p><br></p></li></ul><p><strong>Disclaimer:</strong> This episode provides general information only. It does not take into account your personal objectives, financial situation, or needs. Always seek personalised advice from a qualified mortgage broker, financial advise, or tax professional before acting.</p><p><br></p><p><strong>Find out your next step in property finance:</strong></p><p>You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals.</p><p><br></p><p>Find out more and book your free initial consultation at <a href="https://www.everlend.com.au/"><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.everlend.com.au/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a></p><p><br></p><p><strong>Get in touch:</strong></p><p>Find out more about You Have My Interest at <a href="https://everlend.com.au/podcast"><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠everlend.com.au/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a> and connect with us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</p><p><br></p><p><strong>You Have My Interest</strong> provides information and educational content relating to mortgages, finance and property. <strong>You Have My Interest</strong>&#39;s content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members.</p><p><br></p><p>It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal, and tax requirements.</p><p><br></p><p>If you need mortgage or finance advice tailored to your own personal situation, contact <a href="https://everlend.com.au/"><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</u><strong>Everlend</strong><u>⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠</u></a> today for a free consultation. <strong>Everlend</strong> are authorised credit representative of Loan Market Pty Ltd, Australian Credit Licence number 390222</p><p><br></p><p>Podcast produced with <a href="https://www.realtimeva.com.au/"><u>⁠Real Time Virtual Assistance</u></a></p>