The Home Guarantee Scheme is changing the property game.

In this episode, sponsored by ⁠Flexdoc⁠, we break down what the early start means for the market and why it matters.

The scheme will open the door for around 70,000 buyers who would otherwise be locked out. That is a wave of fresh demand hitting Sydney, Melbourne and Brisbane at the same time the Reserve Bank is cutting rates.

We go past the headlines and focus on the mechanics. Smaller deposits mean lower barriers. Buyers who once needed years to save can now act sooner. The timing is not an accident. The government has pulled forward support just as affordability pressures mount.

For many, the scheme cuts years off the journey to a first home. For the market, it brings momentum where it is most needed, in the middle and lower tiers.

We also look at how this interacts with borrowing power. Every cut from the RBA lifts capacity by seven to ten percent. Add the deposit change and the effect compounds. A household that thought it could only borrow $700,000 can suddenly stretch closer to $800,000. That shift matters when competition heats up at auctions.

Our analysis shows the policy could add a few percentage points to prices in targeted suburbs over the next year. The effect will not be even. Sydney’s west, Melbourne’s growth corridors and Brisbane’s outer ring will feel the sharpest rise.

We weigh the winners and losers, and ask whether the benefits for new buyers outweigh the cost of pushing prices higher again.