{"id":449811,"date":"2026-06-10T16:31:47","date_gmt":"2026-06-10T06:31:47","guid":{"rendered":"https:\/\/www.vibewire.com.au\/?p=449811"},"modified":"2026-06-10T16:31:50","modified_gmt":"2026-06-10T06:31:50","slug":"australias-5-deposit-scheme-aids-buyers-but-risks-negative-equity","status":"publish","type":"post","link":"https:\/\/www.vibewire.com.au\/?p=449811","title":{"rendered":"Australia&#8217;s 5% Deposit Scheme Aids Buyers but Risks Negative Equity"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Launched in 2023 and expanded in October 2025, the program lets first home buyers use just a 5% deposit\u2014or 2% for single parents\u2014with government guarantees avoiding lenders mortgage insurance. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It has supported over 300,000 Australians by March 2026, including 45,000 key workers and 80,000 from regional areas. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Critics warn that falling prices, like potential 10% national drops, could trap 22,900 low-deposit buyers in negative equity, especially in Sydney and Melbourne where values have dipped.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It has supported over 300,000 Australians by March 2026, including 45,000 key workers and 80,000 from regional areas.<\/p>\n","protected":false},"author":22,"featured_media":446057,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[273,35],"tags":[5982],"class_list":["post-449811","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-australia","category-breaking-news","tag-canberra"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.vibewire.com.au\/index.php?rest_route=\/wp\/v2\/posts\/449811","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vibewire.com.au\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vibewire.com.au\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vibewire.com.au\/index.php?rest_route=\/wp\/v2\/users\/22"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vibewire.com.au\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=449811"}],"version-history":[{"count":1,"href":"https:\/\/www.vibewire.com.au\/index.php?rest_route=\/wp\/v2\/posts\/449811\/revisions"}],"predecessor-version":[{"id":450824,"href":"https:\/\/www.vibewire.com.au\/index.php?rest_route=\/wp\/v2\/posts\/449811\/revisions\/450824"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vibewire.com.au\/index.php?rest_route=\/wp\/v2\/media\/446057"}],"wp:attachment":[{"href":"https:\/\/www.vibewire.com.au\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=449811"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vibewire.com.au\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=449811"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vibewire.com.au\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=449811"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}