21 Aug 2025 Podcast: Deep Dive – Goodbye LMI: How 2026’s FHB Scheme Changes Could Shift Property Prices
In this Deep Dive episode of You Have My Interest, we unpack the big changes coming to the First Home Buyer Government Guarantee Scheme from 1 January 2026.
These updates include the removal of income caps and significant increases to property price caps across Australia, meaning more buyers will be eligible to purchase with just a 5% deposit, avoid Lenders Mortgage Insurance (LMI), and access competitive home loan rates.
We break down what these updates mean in practice and explore how they could impact first home buyers, increase market activity, and potentially shift property prices. With 2026 right around the corner, now is the perfect time to start planning ahead and getting ready to make your move. Whether you’re planning to buy soon or want to understand how the scheme could affect the housing market, this episode is packed with insights to help you prepare.
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find out more and book in your free initial consultation at https://www.everlend.com.au/
There’s plenty more great content to come … so make sure you subscribe now on Apple Podcasts or Spotify so you don’t miss a thing.
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find out more and book in your free initial consultation at https://www.everlend.com.au/
Get in touch:
Find out more about You Have My Interest at everlend.com.au/podcast and connect with us at podcast@everlend.com.au
You Have My Interest provides information and educational content relating to mortgages, finance and property. You Have My Interest‘s content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members.
It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal and tax requirements.
If you need mortgage or finance advice tailored to your own personal situation, contact Everlend today for a free consultation. Everlend are authorised credit representatives of Loan Market Pty Ltd, Australian Credit Licence number 390222.
Podcast produced with Real Time Virtual Assistance