Exciting News for Tenants – and Smart Planning for Investors
From 1 October 2025, major changes to the Home Guarantee Scheme could see up to 54% of current tenants positioned to become first-time homeowners — a game-changer for many Australians who’ve felt locked out of the market. With government backing allowing eligible buyers to purchase with as little as 2–5% deposit, and no Lenders Mortgage Insurance (LMI) required, this initiative has the potential to accelerate homeownership for thousands of renters across the Gold Coast and beyond.
As a property manager, I see this as a really positive step — not just for tenants, but for the broader property ecosystem. Many long-term renters who have been reliable, stable occupants may now see a clear path toward owning their own home, thanks to support like the First Home Guarantee, Regional First Home Buyer Guarantee, and Family Home Guarantee. The reduction in deposit requirements and the elimination of LMI costs could save buyers tens of thousands of dollars, bringing forward their homeownership timelines significantly.
For landlords and investors, this shift presents both opportunity and an important moment to reassess. While some tenants may choose to exit the rental market, demand on the Gold Coast remains strong — and rental supply continues to be tight. These changes could lead to a healthier turnover of tenants, create room for new long-term renters, or even spark interest in rent-to-own or lease-option strategies. The key is staying ahead of the market, understanding tenant motivation, and aligning your investment strategy with the evolving landscape.
We’ll continue to monitor these changes and advise our clients accordingly, helping landlords make informed decisions while supporting tenants navigating these exciting new pathways. As always, our goal is to create win-wins across the board — for tenants, property owners, and the Gold Coast community alike.