At Crown Properties, we’re committed to helping families and individuals turn dreams of home ownership into reality, especially in growing, scenic regions like Moreton Bay and surrounding suburbs. That’s why we’re thrilled by the recent expansion of the Australian Government’s Home Guarantee Scheme, effective 1 October 2025, and how it can significantly boost your journey to owning in our beautiful region.
What’s New in the Home Guarantee Scheme?
Starting October 1, 2025, the Scheme has been supercharged to make home ownership more accessible than ever:
- No Place Limits. All eligible first-home buyers can now access the Scheme. No more waiting lists. (Housing Australia)
- No Income Caps. Buyers at higher income levels are now eligible too. (Housing Australia, The Guardian)
- Higher Property Price Caps. In Queensland (including Moreton Bay), price caps for capital cities rise from $700K to $1M; regional areas increase from $550K to $700K. (Housing Australia)
- 50,000 New Places. Between the First Home, Regional First Home Buyer, and Family Home Guarantees, 50,000 new spots are now available for the 2025–26 financial year:
- 35,000 for First Home Guarantee
- 10,000 for Regional First Home Buyer Guarantee
- 5,000 for Family Home Guarantee (Housing Australia)
How It Works for Moreton Bay Buyers
The Home Guarantee allows you to purchase without a 20% deposit or paying costly lenders mortgage insurance (LMI). Instead:
- Save as little as 5% deposit
- Housing Australia guarantees up to 15% of the loan to your lender
- You access the market sooner, with lower upfront costs (Housing Australia)
Why It Matters for Moving to Moreton Bay
- Faster Entry: Say goodbye to years of saving for a deposit. The Scheme helps you get ahead sooner.
- LMI Savings: You could avoid thousands in LMI—money you can redirect toward upgrades, furniture, or settling-in costs.
- Local Affordability: The new $1M cap in Queensland means more Moreton Bay properties qualify, opening up access to desirable neighbourhoods.
- Equal Opportunity for Regional Movers: If you’re relocating from metro areas, the Regional First Home Buyer Guarantee may still apply, depending on your postcode. (Housing Australia, The Guardian)
Crown Properties: Your Trusted Guide in Moreton Bay
At Crown Properties, we understand that navigating home-buying incentives can be complex—especially when combining federal support with Queensland-specific benefits like first-home owner grants and stamp duty concessions. Here’s how we support you every step of the way:
- Eligibility Assessment. We help determine whether you qualify under the new Scheme, including income thresholds and property caps.
- Lender Connection. We partner with trusted Participating Lenders, ensuring smooth access to the Scheme.
- Financial Maximisation. We guide you to combine state grants or exemptions with the Scheme for exceptional savings. (Land Sales)
- Local Market Expertise. With deep knowledge of Moreton Bay’s communities, from Caloundra to Redcliffe, we pinpoint suburbs where your budget and aspirations align perfectly.
- Seamless Experience. From application through settlement, Crown Properties streamlines the process so you can focus on moving into your dream home.
Thinking of moving to Moreton Bay? The expanded Home Guarantee Scheme means your dream home is closer than ever. Starting October 1, 2025, eligible buyers can snap up their first home with just a 5% deposit—and no limits on who can apply or how many places are available.
With updated property caps up to $1 million in Queensland, Crown Properties can guide you through every step—from eligibility advice to lender applications and combining local grants with federal support. Let us help you make the move to Moreton Bay sooner and smarter.
Ready to explore? Reach out today.
Note of Balance
It’s important to acknowledge expert concerns, some suggest that expanding the Scheme may push up housing demand, potentially impacting prices near term. (The Guardian, News.com.au, Daily Telegraph) However, for homebuyers focused on owning sooner and taking advantage of cost offsets (like LMI savings), the benefits can outweigh those risks—especially when guided by local market insight.
