Introduction
The Federal Government’s First Home Guarantee Scheme is about to undergo one of its biggest shifts yet—and both investors and first home buyers need to be ready. From October 1st, price caps will rise from $700,000 to $1,000,000, giving buyers more purchasing power but also fuelling stronger competition in the market.
What’s Changing?
Under the new rules, eligible first home buyers can now purchase properties up to $1,000,000 in capital cities and regional centres. With just a 5% deposit, the Government guarantees the other 15%—meaning buyers can borrow up to 95% of a property’s value.
One of the biggest advantages is the removal of Lenders Mortgage Insurance (LMI), saving first-time buyers thousands of dollars upfront.
What It Means for First Home Buyers
This change opens the door for many who were previously priced out. Buyers now have access to better locations, family-friendly homes, and higher-value properties. But with more people entering the market, acting quickly is key.
What It Means for Investors
For investors, the new cap means heightened competition—especially for family-focused and co-living properties under the $1M threshold. With South East Queensland’s median prices already climbing, inventory at or below the cap will become increasingly scarce.
Why Choose Positive Income Properties
At Positive Income Properties (PIP), we specialise in helping both first home buyers and seasoned investors secure opportunities that balance low risk with high returns.
Our portfolio includes:
- 🏡 3-Bedroom Co-Living Homes – high-yield rental opportunities
- 🏘 Dual Key Properties – double the income potential from a single investment
- 🌱 SMSF-eligible investments – tax-efficient property strategies
Whether you’re entering the market for the first time or building wealth through a diversified portfolio, PIP provides tailored support to help you succeed.
Whether you’re a first-time buyer eager to take advantage of the new $1M cap, or an investor protecting your portfolio against rising demand, now is the time to act.
👉 Contact Positive Income Properties today to explore available opportunities across Australia.
📲 Visit positiveincomeproperties.com or book a consultation with our team.
