In 2024, first-home buyer loans rose by 5.9% to 125,220, nearly matching the overall owner-occupier loan growth. With interest rates easing and more buyers utilizing grants and guarantees, first-home buyer loans are projected to increase by a further 6.5% in 2025 to 133,308.
However, the increased borrowing capacity has also intensified competition, particularly in the established property market. As a result, many first-time buyers are turning to new builds, which often offer more affordable entry points and the potential for government incentives.
Prospective buyers should consider the benefits and challenges of purchasing new builds, including construction timelines and potential delays, to make informed decisions aligned with their financial goals.
Published: Friday 9th January, 2026
Please Note: If this information affects you or is relevant to your circumstances, seek advice from a licensed professional.
