First Home Buyers Scheme 2025: Everything You Need To Know!
This episode provides a clear, structured overview of the First Home Buyer scheme: what it is, how stamp duty interacts with the scheme, the genuine “all-in” upfront cost and an evidence-based view of monthly repayments. We outline considerations for capital growth, where to focus your search, and occupancy requirements, before addressing common misconceptions around credit standards, new-build limitations, guarantors, saving a 20% deposit and the extent of any government guarantee, so you can make decisions with confidence and clarity.
------ Contents of this video ---------------------------------------
00:00: Intro
01:31: Stamp Duty
02:44: What is This Scheme?
03:07: What's My Total All-In Cost?
04:23: How Much Will I Be Paying Each Month?
06:28: How Much Will I b Paying Each Month?
07:21: Capital Growth
07:58: Where Do I Look?
09:19: Do I Have to Live In My New House?
10:08: Fast 5: Do You Need Perfect Credit to Qualify?
10:25: You Can Only Buy New Property Using The Scheme?
10:32: You Can Use The Scheme With a Guarantor?
10:50: It's Cheaper to Wait Until You Save 20%
11:06: The Scheme Guarantees Your Loan?
11:30: Outro
12:22: Disclaimer
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01:31: Stamp Duty
02:44: What is This Scheme?
03:07: What's My Total All-In Cost?
04:23: How Much Will I Be Paying Each Month?
06:28: How Much Will I b Paying Each Month?
07:21: Capital Growth
07:58: Where Do I Look?
09:19: Do I Have to Live In My New House?
10:08: Fast 5: Do You Need Perfect Credit to Qualify?
10:25: You Can Only Buy New Property Using The Scheme?
10:32: You Can Use The Scheme With a Guarantor?
10:50: It's Cheaper to Wait Until You Save 20%
11:06: The Scheme Guarantees Your Loan?
11:30: Outro
12:22: Disclaimer
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Creators and Guests
Host
Jared Dorans
Meet Jared, Managing Director and Principal of Crown Property Finance, and co-host of Your Wealth Playbook. From his lending start in 2009, he became a top 5 lender at a Big 4 bank, later mastering complex and commercial lending with national awards. With 13 years of experience and 40+ lenders, Jared offers fast, client-focused solutions. Off-duty, he volunteers with Talk2mebro, enjoys sports, family, and a good coffee or beer.
Host
Kerrod Holland
Meet Kerrod, your Newcastle-based financial advisor at Tenex Wealth and co-host of Your Wealth Playbook. Originally from Singleton, he’s passionate about helping business owners, pre-retirees, retirees, and high-income earners secure their financial future through tailored tax strategies and retirement planning. Outside of turning hard-earned money into lasting wealth, Kerrod finds balance in sports, fatherhood, and cherishing family moments.
