EP09 - 2025 Election Part 2: 5% Deposit vs Tax Deductible Home Loans

In this episode, the team revisits recent changes to housing policies from the Coalition and the Labor Party. They analyse and debate the potential impact of the Coalition's proposal to make the first $650k of a home loan tax deductible and the Labor Party's 5% deposit scheme for first-time buyers. The discussion highlights the risks and benefits of both policies, the impact on housing affordability, and the wider economic implications. The episode concludes with a critical look at who might benefit from these policies and the potential long-term consequences.Your hosts:Imtiyaz Rather - Principal Mortgage Broker -⁠⁠⁠⁠ Hack Mortgages⁠⁠⁠⁠Skye Taylor - Director - ⁠⁠⁠⁠Taylored Property Management⁠⁠⁠⁠Peter Theodorou - Buyers Agent - ⁠⁠⁠⁠Mindset Property⁠[00:06:48] Irresponsible [00:09:11] "The governments keep fucking around"[00:10:03] Housing Crisis or Affordability Crisis?[00:13:12] "To me that spells out disaster"[00:13:49] Labor: 5% Deposits[00:19:24] 5-10 Grand After Tax Is Fuck All[00:21:26] Family Home Guarantee Scheme - 2% Deposit for Single Parents[00:22:06] Saving Lenders Mortgage Insurance[00:22:38] Three Roads Into The Market[00:23:06] Is It Just A Vote Grab?[00:24:51]  Construction and higher density is the answer.[00:30:43]  "Fuck yeah, I'm voting for the coalition."[00:35:02] Rating the First Home Guarantee Scheme Change