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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🚨 Australia's OFFICIAL #1 best selling property investment book of all time in Australia of the past decade, 'Positively Geared' has just been completely revised and updated: 👉 https://amzn.to/3VXfJTp

🥇 Aus Property Professionals is one of Australia’s most sought-after buyer advocacy agencies with over 5000 purchases made on behalf of clients.

Book your discovery call here: https://www.auspropertyprofessionals....

✅ MESSAGE ME THROUGH THESE CHANNELS:

Website: 👉 https://www.auspropertyprofessionals....

Send your questions to: 👉 lloyd@auspropertyprofessionals.com.au

Follow us on Facebook: 👉 www.facebook.com/profile.php?id=61563777981416

Follow us on Instagram: 👉 www.instagram.com/lloydedge_buyersagent/

Subscribe to our YouTube Channel: 👉 @auspropprofessionals

Connect with us on LinkedIn: 👉 / lloyd-edge-b417a399

See omnystudio.com/listener for privacy information.

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.

#SydneyProperty #FirstHomeBuyer #AustralianRealEstate #PropertyInvesting #HomeLoanTips

Hosted on Acast. See acast.com/privacy for more information.

What happens when reality TV forgets real-world numbers? In this episode, Lloyd Edge breaks down The Block’s Daylesford auctions to reveal what every serious property investor can learn from the $3M listings that struggled to sell.

From overpriced reserves to risky suburb choices, Lloyd and Armando unpack how data, demand, and due diligence must always come before design. They also explore the real consequences of chasing trends, relying on tax perks, and ignoring the fundamentals that drive long-term growth.

Whether you watch The Block for entertainment or education, this episode separates the screen drama from the numbers that matter.

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TIME STAMPS:

0:00 – Did The Block 2025 miss the mark?

0:35 – Why the Daylesford location was a risky choice

2:30 – $3M homes in an $820K suburb: where it went wrong

3:45 – How long properties sit on the market in Daylesford

5:30 – What happens when you build the wrong property for the wrong market

6:55 – Did The Block do enough market research?

8:50 – Setting the wrong reserves: why buyers walked away

10:15 – The human cost behind TV renovation dreams

13:00 – Will the unsold homes ever find buyers?

15:00 – What advice would Lloyd give Channel 9 next time?

20:00 – Why depreciation isn’t a property strategy

27:00 – Ed’s Deal: The final Daylesford property showdown

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🚨 Australia's OFFICIAL #1 best selling property investment book of all time in Australia of the past decade, 'Positively Geared' has just been completely revised and updated: 👉 https://amzn.to/3VXfJTp

🎙️ Prefer to hear this podcast episode in it's audio format?

👉 https://open.spotify.com/episode/66xW...

🥇 Aus Property Professionals is one of Australia’s most sought-after buyer advocacy agencies with over 5000 purchases made on behalf of clients.

Book your discovery call here: https://www.auspropertyprofessionals....

✅ MESSAGE ME THROUGH THESE CHANNELS:

Website: 👉 https://www.auspropertyprofessionals....

Send your questions to: 👉 lloyd@auspropertyprofessionals.com.au

Follow us on Facebook: 👉 www.facebook.com/profile.php?id=61563777981416

Follow us on Instagram: 👉 www.instagram.com/lloydedge_buyersagent/

Subscribe to our YouTube Channel: 👉 @auspropprofessionals

Connect with us on LinkedIn: 👉 / lloyd-edge-b417a399

See omnystudio.com/listener for privacy information.

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.

#PropertyInvestment #TheBlock2025 #AustralianProperty #RealEstateInvesting #LloydEdge #PropertyMarket

Hosted on Acast. See acast.com/privacy for more information.