ABOUT THIS PODCAST:

Albo’s 5% deposit scheme sounds like a fast track into the market, but is it really the smartest move for your future? In this episode we unpack who qualifies, hidden costs most buyers miss, and why servicing the loan matters more than saving the deposit. We also look at how supply shortages, stamp duty, and fast-moving auctions are pushing prices, plus the risk of negative equity if growth stalls. You’ll hear when a cheaper investment in a different city can beat the 5% route, and how to weigh lifestyle goals against long-term returns.

If you’re a first-home buyer or an investor deciding between “buy now” and “buy right,” this breakdown gives you a clear way to choose.

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TIME STAMPS:

01:21 - What exactly is the 5% deposit scheme and how does the guarantee work?

02:26 - Who really qualifies for the scheme and what catches trip buyers up?

04:34 - How much do stamp duty and buying costs change the true entry price?

06:00 - What income do you need to realistically service a $1.5m purchase?

07:06 - Does the single-parent 2% option help or create new risks?

08:01 - Is the scheme fueling FOMO and pushing prices beyond guides?

09:49 - Is low supply the real problem and how is it driving the market?

12:58 - Why are recent comps useless in a fast-moving auction campaign?

15:22 - What did past apartment oversupply teach buyers about growth risk?

16:50 - Could a 5% deposit leave you facing negative equity later?

17:56 - When is rentvesting or buying in another city the smarter play?

20:56 - Should you use the scheme at all or focus on long-term growth instead?

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Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

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