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The Australian Government’s 5% deposit scheme, also known as the First Home Guarantee, has significantly changed the dynamics of entry-level property demand. By allowing eligible first-home buyers to enter the market with as little as a 5% deposit and without paying lenders mortgage insurance (LMI), the program has lowered one of the biggest barriers to home ownership: the upfront capital requirement. While designed to support young buyers and key workers, the broader impact

The Reserve Bank of Australia’s decision to hold interest rates steady in November has been met with cautious optimism across the property and finance sectors. For borrowers, a stable rate environment provides a temporary pause in repayment pressure after an extended period of tightening. For developers and investors, it offers a moment of clarity in assessing forward-looking project feasibility. The significance of a stable rate lies not only in the rate itself, but in the s

In property development, the timing of capital is often as important as the amount of capital itself. Choosing the appropriate form of finance can define the success or failure of a project. Two commonly used capital solutions in development are bridging finance  and long-term capital . Bridging finance  is designed to provide short-term liquidity during transitional phases, such as site acquisition, planning approval, or pre-construction. It offers speed and flexibility, but

Cross-border property investment continues to attract capital from the Asia-Pacific region into markets such as Australia. Strong institutional frameworks, transparent legal systems and stable demand fundamentals make such markets appealing for diversification and long-term asset preservation. However, investing beyond one’s domestic market introduces complexities that are often underestimated. Key considerations include: 1. Regulatory & Tax Structures Each jurisdiction has i