I'VE BEEN WHERE YOU ARE
My own property journey started not with textbooks or checklists... I was a first-time investor, making big decisions and learning valuable lessons firsthand. That real-life insight, paired with deep industry knowledge, has shaped the practical strategies I now use to help others thrive. I know the difference the right plan and partner can make—because I've lived it.
MORE THAN A TITLE
In addition to being an NLP Practitioner, with a BA in Mass Communications, a Diploma in Direct Marketing, I'm also an active investor who has walked the same path as many of my clients. I've built a successful portfolio and I understand both the practical and emotional sides of the investment process.
PEOPLE FIRST, ALWAYS
I approach every client relationship with warmth, unwavering support, and a genuine interest in your success. I take the time to truly understand your unique situation, values and lifestyle goals, so I can design a strategy that works for you—not just on paper, but in real life. I'm not here for a transaction; I'm here for the long term. My commitment is to transparency, honesty and meaningful results. You deserve a partner who's dedicated to helping you build a future with confidence—and I'm that person.
Market Pulse
The 5% Deposit Scheme: What It Sparked and Where We Go From Here
If you've been following the headlines, you'll know the Australian Government's expanded 5% deposit scheme for first-home buyers kicked in on 1 October. And since then? Well... the market hasn't exactly taken a quiet stroll. It's taken off like it just heard the starter's gun.
Let's unpack what's happened, why it's happened, and most importantly - what investors should be doing now.
What Changed
The revamped First Home Guarantee introduced some big shifts:
Unlimited places - anyone eligible can now access the scheme.
Income caps removed - higher-income households can now participate.
Price caps lifted - significantly, in many areas.
5% deposits across the board - with the government guaranteeing the rest so buyers avoid LMI.
Translation: The buyer pool just expanded....FAST.
What the Data is Showing
Early numbers reveal movement - especially in the affordable end of the market:
National values rose 1.1% in October - the strongest monthly growth since May 2023.
Properties below the new price caps grew 1.2%, outpacing those above (1.0%).
Some regions saw as much as 1.7% monthly growth in lower-value pockets.
Around 1 in 10 homes sold in October were purchased using the scheme.
That's a big shift in a small amount of time.
While analysts are cautious about attributing the entire surge to the scheme, most agree, when you increase borrowing power and reduce barriers, prices climb. We certainly saw echoes of this in the past when similar schemes were introduced.
Why This Matters
When you boost demand without boosting supply, affordability takes the hit.
More buyers with more borrowing power are now chasing the same limited pool of homes, and that pushes prices up for everyone. not just first-home buyers.
This is the part most people miss: A 5% deposit doesn't mean a cheaper purchase; it means a bigger loan at a higher price.
And it ripples into the investment space immediately.
We've Seen This Before
This isn't Australia's first rodeo.
Government incentives have a long history of firing up prices and the funds don't always go where they should:
Homebuilder Scheme
First-home buyer bonuses
Stamp duty concessions
Low-deposit initiatives
Every time, the pattern is the same: demand climbs faster than supply can keep up, and prices inflate. They are well-meaning policies with an unintended result.
And yet, here we go again.
What Should Really Be Happening
If governments are serious about affordability, the solution isn't to hand out more demand power - it's to unlock more supply:
→ Release more land
→ Accelerate medium-density approvals
→ Incentivise construction
→ Back regions with infrastructure growth
→ Support new builds.
Because the only thing that truly eases prices is more homes on the ground. Not more people competing for the same ones.
Where to From Here?
So yes, the horse has absolutely bolted. The 5% deposit scheme is live, buyers are piling in, and the affordable price bracket is shrinking week by week. But this is not a moment to panic... It's a moment to pivot. Smart investors don't wait for the market to "settle down," because it rarely does. They move before the next spike hits.
What I'm telling my clients right now is simple: If you want to stay ahead of the curve, act before the full price ripple takes hold.
Tighten your finance, get your pre-approval in place. widen your suburb lens, and prioritise areas where supply is being released or where new builds offer long-term leverage. Consider duplexes, dual-living, growth corridors and property opportunities that position you ahead of the buyer wave. Hesitation costs money, strategy creates momentum. There's still opportunity in this market... if you move with intent.
The Takeaway
Prices are rising fastest where the scheme has its strongest pull.
The affordable end of the market is tightening rapidly.
Investors who wait risk being priced out of quality entry points.
Strategic investors who step forward now - not reactively, but intelligently - are the ones who will secure the best assets, the best land, and the best long-term growth.
Want to Know Your Best Move?
If you want guidance on where to invest before we see further uplift, let's have a chat.
I can walk you through:
Which markets still offer value
Where land availability is shifting
Which build strategies make sense right now
and what steps you can take this month to stay ahead of rising prices
Send me an email or grab a spot in my calendar.
This market is moving so let's make sure you are too, and in the right direction.
Market Pulse
The 5% Deposit Scheme: What It Sparked and Where We Go From Here
If you've been following the headlines, you'll know the Australian Government's expanded 5% deposit scheme for first-home buyers kicked in on 1 October. And since then? Well... the market hasn't exactly taken a quiet stroll. It's taken off like it just heard the starter's gun.
Let's unpack what's happened, why it's happened, and most importantly - what investors should be doing now.
What's Changed
The revamped First Home Guarantee introduced some big shifts:
Unlimited places - anyone eligible can now access the scheme.
Income caps removed - higher-income households can now participate.
Price caps lifted - significantly, in many areas.
5% deposits across the board - with the government guaranteeing the rest so buyers avoid LMI.
Translation: The buyer pool just expanded....FAST.
What the Data is Showing
Early numbers reveal movement - especially in the affordable end of the market:
National values rose 1.1% in October - the strongest monthly growth since May 2023.
Properties below the new price caps grew 1.2%, outpacing those above (1.0%).
Some regions saw as much as 1.7% monthly growth in lower-value pockets.
Around 1 in 10 homes sold in October were purchased using the scheme.
That's a big shift in a small amount of time.
While analysts are cautious about attributing the entire surge to the scheme, most agree, when you increase borrowing power and reduce barriers, prices climb. We certainly saw echoes of this in the past when similar schemes were introduced.
Why This Matters
When you boost demand without boosting supply, affordability takes the hit.
More buyers with more borrowing power are now chasing the same limited pool of homes, and that pushes prices up for everyone. not just first-home buyers.
This is the part most people miss:
A 5% deposit doesn't mean a cheaper purchase; it means a bigger loan at a higher price.
And it ripples into the investment space immediately.
We've Seen This Before
This isn't Australia's first rodeo.
Government incentives have a long history of firing up prices and the funds don't always go where they should:
Homebuilder Scheme
First-home buyer bonuses
Stamp duty concessions
Low-deposit initiatives
Every time, the pattern is the same: demand climbs faster than supply can keep up, and prices inflate. They are well-meaning policies with an unintended result.
And yet, here we go again.
What Should Really Be Happening
If governments are serious about affordability, the solution isn't to hand out more demand power - it's to unlock more supply:
→ Release more land
→ Accelerate medium-density approvals
→ Incentivise construction
→ Back regions with infrastructure growth
→ Support new builds.
Because the only thing that truly eases prices is more homes on the ground. Not more people competing for the same ones.
Where to From Here?
So yes, the horse has absolutely bolted. The 5% deposit scheme is live, buyers are piling in, and the affordable price bracket is shrinking week by week. But this is not a moment to panic... It's a moment to pivot. Smart investors don't wait for the market to "settle down," because it rarely does. They move before the next spike hits.
What I'm telling my clients right now is simple: If you want to stay ahead of the curve, act before the full price ripple takes hold.
Tighten your finance, get your pre-approval in place. widen your suburb lens, and prioritise areas where supply is being released or where new builds offer long-term leverage. Consider duplexes, dual-living, growth corridors and property opportunities that position you ahead of the buyer wave. Hesitation costs money, strategy creates momentum. There's still opportunity in this market... if you move with intent.
The Takeaway
Prices are rising fastest where the scheme has its strongest pull.
The affordable end of the market is tightening rapidly.
Investors who wait risk being priced out of quality entry points.
Strategic investors who step forward now - not reactively, but intelligently - are the ones who will secure the best assets, the best land, and the best long-term growth.
Want to Know Your Best Move?
If you want guidance on where to invest before we see further uplift, let's have a chat.
I can walk you through:
Which markets still offer value
Where land availability is shifting
Which build strategies make sense right now
and what steps you can take this month to stay ahead of rising prices
Send me an email or grab a spot in my calendar.
This market is moving so let's make sure you are too, and in the right direction.
Maria's Minute
Click the video below to watch Maria's Minute.
I pointed out prior to October that this 5% deposit scheme will not alleviate the true problem and yes it's created a new one...
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