A budget with housing front and centre, but is it enough?
The 2025 Federal Budget landed with a clear message: housing is in crisis, and the government is stepping in.
Treasurer Jim Chalmers’ budget puts property supply, affordability, and access firmly on the national agenda.
But for everyday buyers, owners, and investors, the big question is: will it actually make it easier to own property?
At Aussie, we’re in your corner and we’ve broken it down, clearly and simply, so you can plan your next move with confidence.
Quick snapshot: Key announcements
$21 billion into housing supply expanding the Housing Australia Future Fund
$800 million boost to the Help to Buy shared equity scheme
$54 million for prefab and modular homes to fast-track new builds
Two-year ban on foreign investors buying existing homes
Energy bill relief with $300 rebate for households to help ease living costs
No changes to negative gearing or capital gains tax for investors
Source: budget.gov.au
Help to Buy: What’s changing and how it could help you buy sooner
If you're dreaming of buying your first place but saving a 20% deposit feels impossible, this budget could be a game-changer. Here’s what’s new with Help to Buy:
Income limits raised to $100,000 for singles and $160,000 for couples
Government equity share increased to up to 40% for new builds (30% for existing properties)
Buyers may only need a 2% deposit, far less than a traditional loan
It could shave years off the time it takes to save a deposit, but it may also mean a larger mortgage and higher repayments. A broker can help you weigh up the trade-offs and find the right fit for you.
Want to see if you qualify? Talk to an Aussie Broker to understand your borrowing power and use our calculator to see what’s possible under the new rules.
Source: AFR
Why supply is the bigger problem
The budget made one thing clear: without more homes, prices won’t come down.
A massive $21 billion will go towards building 1.2 million new homes over five years. Investments in prefabricated and modular housing aim to speed things up, and the government wants to partner with states and the private sector to get there faster.
But, and it's a big but, many experts warn supply chains, builder shortages, and planning red tape could slow things down.
If you’re buying, it’s important to understand that timing still matters and good properties in great locations could stay competitive for some time.
Cost of living relief: Energy bills, renters, and mortgage holders
Beyond housing-specific policies, the Budget includes:
$300 energy bill rebate for all households
Additional rent assistance increases for eligible low-income renters
Increased tax cuts aimed at easing general cost of living pressures
However, there’s no direct mortgage relief for current home loan customers battling higher interest rates. That’s why locking in the right loan structure and looking for better deals is more important than ever.
Tip: Talking to an Aussie Broker could help you review your current loan, lock in a sharper rate, or switch to a more affordable option.
Source: Smart Property Investment
What the budget means for property investors
The good news for investors?
No changes to negative gearing or CGT discounts.
Strong supply-side focus to support long-term property market stability.
Opportunities emerging in affordable housing projects and build-to-rent schemes.
The foreign buyer ban on existing dwellings could also reduce competition for some properties, at least temporarily. That said, it’s critical to look at suburb-level data, zoning changes, and future growth potential, not just tax settings, when planning your next move. Need help? An Aussie Homes Buyer’s Agent can help you find high-growth opportunities faster.
Source: ABC News Analysis
How Aussie can help you navigate it all
Whether you're buying your first home, upgrading, or investing in your future, the right advice matters more than ever.
Here’s how Aussie’s on your side, helping you unlock savings, find smarter loan options, and make your next move with confidence.
Aussie Brokers can explain your eligibility under new schemes and secure a loan that suits your goals.
Aussie Homes Buyer’s Agents can find hidden opportunities in a fast-moving market, including off-market gems.
Our calculators and tools help you model your borrowing power and future repayments, fast.
Book a free^ appointment with an Aussie Broker today and let’s map out your next move.