For years, many first home buyers have found themselves competing against seasoned investors at auctions and inspections. But that dynamic could soon start to shift.

 

The federal budget introduced major changes to negative gearing and capital gains tax, with the goal of reducing investor demand for established homes over time. Kusher Consulting director Cameron Kusher said the reforms could lead to “reduced competition to purchase from investors” as property investment becomes less attractive under the new rules.

 

If that happens, it may create a rare window of opportunity for first home buyers, particularly in established suburbs where investors have traditionally dominated the market. Less investor competition could mean more negotiating power, fewer bidding wars and a better chance to secure a property without stretching finances to the limit.

 

Of course, getting into the market is still far from easy. Rising property prices, large deposit requirements, tighter borrowing capacity and ongoing cost-of-living pressures continue to make home ownership difficult for many Australians, especially self-employed borrowers or buyers with past credit issues.

 

That’s where having the right lender can make a real difference.

 

Direct Credit Home Loans helps first home buyers explore lending options across a wide range of scenarios, including self-employed income, complex applications and credit-impaired situations, with a strong focus on finding ways to help more Australians get a foot on the property ladder.

 

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