Governments latest "lifeline" = investor opportunity
- Lilly Mackay

- Sep 19, 2025
- 2 min read
Updated: Nov 28, 2025
We couldn’t agree more with Noel Whittaker on this.
The government’s latest “lifeline” for first-home buyers risks worsening Australia’s housing crisis but presents a tremendous opportunity for investors.
The reality is affordability has become a national disaster, “supply is woefully short while demand remains insatiable".
Instead of addressing the root problem, increasing supply through planning reform, approvals, and investment in affordable housing, the latest measures expand demand by lifting income caps, raising price thresholds, and widening eligibility under the First Home Buyer Home Guarantee Scheme.

The result? More buyers competing for affordable homes in a market that is already critically undersupplied. This fuels further upward pressure on prices, leaving the very group these incentives are meant to support chasing an even faster-moving target.
That said, for investors who act quickly, these changes do present a rare opportunity to enter the market at the beginning of a potential upswing – like what was seen when the Home Builder Grant was introduced in 2020. As Noel Whittaker highlights, those who move fast may find themselves in a stronger position, but it underscores the urgency of addressing the long-term imbalance between supply and demand.
At Oli Property, we believe sustainable solutions lie in unlocking more housing supply, streamlining approvals, and creating certainty for investors to help ease rental pressures. Without these structural changes, demand-side incentives alone will only intensify the affordability crisis – fuelling further rises in house prices.
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