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The First Home Buyer Guarantee is starting in October 2025 with 5% deposits, no LMI, higher price caps and no income limits. Learn how it works.

On 12 August 2025, the Reserve Bank of Australia (RBA) cut the official cash rate by 25 basis points to 3.60 per cent.

The Home Guarantee Scheme 2025–26 offers 50,000 places to help Australians buy a home with as little as 2–5% deposit and no LMI.

From August 1, 2025, new seller disclosure laws will come into effect in Queensland, introducing significant changes to the way properties are sold.

Refinancing activity surged in early 2025, with over 100,000 borrowers switching lenders in Q1, reaching the highest levels since September 2023.

Programs like the First Home Guarantee, Regional First Home Buyer Guarantee, and various LMI waivers are making homeownership more accessible for first-home buyers, especially in regional areas.

Here’s a summary of the major lenders and the effective dates for their interest rate adjustments.

The Reserve Bank has delivered another round of interest rate relief, cutting the official cash rate by 0.25% — from 4.10% to 3.85%.

Refinancing jumps 12.5% as lenders compete with better rates and cashback offers—now’s the time to review your home loan.

The re-elected Labor government’s housing policies bring renewed opportunities for first-home buyers and current homeowners alike.