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In this episode of The nestegg Podcast, host Maja checks in with our three experts to discuss this week’s biggest conversations about super, property and investment.

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Steve Waters, director of Right Property Group, talks about the current market and its growth prospects, hinting at a “revenge spend” period post-lockdown. Could property prices really inflate by a further 20 per cent?

Meanwhile, RMIT’s senior lecturer of finance, Dr Angel Zhong, talks about the earning season and dividends, delving into how companies decide distribution policy. Find out what is happening in the recent dividend announcements.

Last but not least, tax and super guru Timothy Munro talks us through the results of APRA’s inaugural super test and how engaged members should really be with their super. Timothy also touches on the super splitting law and what it means for relationship breakdowns.

Have a question for our experts? Get in touch at [email protected] and you might get featured in the next episode.

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Potential price caps revealed for first home buyers scheme

By Grace Ormsby

October 28 2019
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Invest

Potential price caps revealed for first home buyers scheme

By Grace Ormsby
October 28 2019

Properties up to the value of $700,000 will be covered by the First Home Loan Deposit Scheme for new buyers in Australia’s most expensive regions, according to a new draft government mandate.

Potential price caps revealed for first home buyers scheme

By Grace Ormsby

October 28 2019
Share

Properties up to the value of $700,000 will be covered by the First Home Loan Deposit Scheme for new buyers in Australia’s most expensive regions, according to a new draft government mandate.

The government has released the draft investment mandate for the First Home Loan Deposit Scheme courtesy of the Treasury after the legislation backing the scheme passed through Parliament earlier this month.

The scheme provides a “guarantee” that will allow eligible first home buyers on low and middle incomes to purchase a home with a deposit of as little as 5 per cent, and will support up to 10,000 loans each financial year from 1 January 2020 on principal and interest-based loans.

As the draft currently stands, NSW’s capital and regional centres will have a price threshold of up to $700,000, which is the highest cap Australia-wide.

The rest of the state will be subject to a $450,000 cap.

Victoria’s Melbourne and regional centre cap for first home buyers is currently set at $600,000 and drops to $375,000 for the rest of the state.

In Queensland, Brisbane, the Sunshine Coast and the Gold Coast will be subject to a $475,000 cap, while the rest of the state is subsidised to $300,000.

Adelaide is likely to be capped at $400,000, on par with Perth and Hobart, but rest of state figures do differ, with Western Australia and Tasmania’s rest of state cap sitting at $300,000, while South Australia’s will be just $250,000.

Property prices able to be claimed for the scheme in ACT will be capped at $500,000, while the entirety of the Northern Territory’s first home buyers will be covered for houses priced up to $375,000.

The application of capital city price caps for large regional centres with populations in excess of 250,000 is in recognition of the fact that “dwellings in large regional centres tend to be significantly more expensive than other regional areas”, Treasurer Josh Frydenberg said.

He also reiterated that applicants will be subject to eligibility criteria, including having taxable incomes up to $125,000 per annum for singles and up to $200,000 per annum for couples.

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About the author

Grace Ormsby

Grace is a journalist on Momentum Media's nestegg. She enjoys being able to provide easy to digest information and practical tips for Australians with regard to their wealth, as well as having a platform on which to engage leading experts and commentators and leverage their insight.

About the author

Grace Ormsby

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