37 - Unlocking the 2026 Federal Budget & What It Means for First Home Buyers

The Federal Budget just changed the property market overnight, and the government is calling it a win for first home buyers. If you're a first home buyer, you're probably seeing a lot of headlines and wondering what it actually means for you and your plans. In this episode, Jack Elliott and Chris Bates break down the major budget announcements and what they mean for the property market. We talk through the changes to negative gearing and capital gains tax, how investors are likely to respond, what this means for house prices and competition, and most importantly what it all means for you as a first home buyer. Whether you're actively looking at properties right now, still in the planning stage, or you've recently purchased, this episode covers what you need to know and how to think about moving forward. In this episode: 🔑 The major budget changes to negative gearing and capital gains tax 🔑 How investors are likely to respond and what that means for competition 🔑 Which types of properties and markets will feel these changes the most 🔑 The tools and data you can use to check if an area is investor-heavy 🔑 What first home buyers should be doing right now whether actively looking or still planning Timestamps 00:00 - What the Federal Budget Means for First Home Buyers 04:00 - What Was Actually Announced and Initial Thoughts 08:11 - How Investors Will Respond 11:31 - What It Means for First Home Buyers 14:39 - Tools to Check Investor vs Owner Occupier Markets 19:01 - What Happens to House Prices 22:03 - Should Active Buyers Wait or Keep Going? 24:09 - What Happens to Competition in the Market 26:05 - Asset Quality and Property Selection Right Now 33:10 - What It Means for the Rental Market 38:12 - If You're Planning to Buy in the Future 40:36 - The 5% Deposit Scheme and Help to Buy 43:09 - If You've Already Purchased 43:41 - Interest Rates and What Happens Next Free Resources Open Stats Tool - Property Data: https://openstats.com.au/ Census - Property Data: https://www.abs.gov.au/statistics/peo... Download Your Federal Budget 2026 Resource: https://firsthomeunlocked.com.au/reso... Mentioned Episodes: Episode 6 | Unlocking Asset Quality: How to Choose the Right Property as a First Home Buyer: https://open.spotify.com/episode/7JZp... Episode 26 | Unlocking the Federal Government ‘Help to Buy’ Shared Equity Scheme: https://open.spotify.com/episode/7uip... Want to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community:   / firsthomeunlocked   📅 Book a chat with Jack for tailored support: https://calendly.com/jackelliott-alco... 📱Follow Us on social media: Instagram:   / firsthomeunlocked   TikTok:   / uc6n1qn33fd128vli5tw2naq   https://www.firsthomeunlocked.com.au #firsthomebuyer #australianproperty #homebuyingguide #mortgageadvice #propertystrategy #firsthomeunlocked