As of Q3 2025, the First Home Buyers Assistance Scheme still offers a full transfer duty exemption up to $800,000 and a concessional rate up to $1,000,000, with standard residency requirements. Use Revenue NSW’s calculator before you commit.
There is active debate about deposit-assist programs. Media and industry voices have flagged that very small deposits can lift repayments and leave buyers exposed if rates or prices move against them, while a September discussion of federal guarantee changes foreshadows expanded access from October. Treat these as tools, not shortcuts.
Three smart moves this spring
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Model repayments at today’s rates and at +100 basis points so your budget survives future moves. The RBA’s August cut is helpful, but policy remains data-dependent. Reserve Bank of Australia
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Target value pockets where entry pricing meets the FHBA thresholds and renovation potential is strong.
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Prioritise pre-approval and a clean contract timeline so you can act decisively when the right listing appears.
A personal approach to property.
Only at PRD. Don’t just put your home on the market, get it the attention it deserves. #justlisted #prdwagga #realestate #luxuryliving #realestate #domain
