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ISSUE 122                                                                                  OCTOBER 2025






















            NAVIGATING THE HOME



                GUARANTEE SCHEME



                        OPPORTUNITY OR ILLUSION

                                    FOR NEW BUYERS?                                                                   depositphotos.com




                                    BY WEALTH ADVISER
        INSIDE                      Introduction: Setting the Scene for the Home Guarantee Scheme
                                       The Australian Government’s Home Guarantee Scheme has undergone a significant
        1   Navigating the Home     transformation with major policy reforms introduced from 1 October 2025. These changes
           Guarantee Scheme:
           Opportunity or Illusion for New   aim to help more Australians—especially first-home buyers—achieve the “Great Australian
           Buyers?                  Dream” of home ownership amidst an ongoing housing affordability crisis. For many, saving
                                    a deposit remains the most substantial barrier, with average prices in metropolitan areas
        4   Beyond the Traditional
           Retirement: Navigating Ageism,   now far outstripping local incomes.
           Semi-Retirement, and Wealth   Intended as a lifeline for new entrants to the property market, the expanded scheme
           in Modern Australia      promises easier access and fewer restrictions. However, as highlighted by multiple experts,
        7   Navigating Aged Care Reform:   the expansion presents a paradox: while it reduces barriers for first-home buyers, it may also
           Rights, Choice and Financial   intensify price pressures, potentially worsening the very crisis it was designed to address.
           Resilience for Australian
           Families
                                        “The expansion intends to help first-home buyers, but may worsen market pressures.”
        10  Q&A: Ask a Question                                                                  – Morningstar Australia

         BEFORE YOU GET STARTED
            This Wealth Adviser publication is published by Wealth Today Pty Ltd   Information in this document is no substitute for professional financial
         (AFSL 340289), Sentry Advice Pty Ltd (AFSL 227748), Synchron Advice   advice.
         Pty Ltd (AFSL 243313) and Millennium3 Financial Services Pty Ltd (AFSL   We encourage you to seek professional financial advice before making any
         244252) and contains general and factual information only.  investment or financial decisions.
           Before acting on any information contained herein you should consider if   In any circumstance, before investing in any financial product you should
         it is suitable for you. You should also consider consulting a suitably qualified   obtain and read a Product Disclosure Statement and consider whether it is
         financial, tax and/or legal adviser.                   appropriate for your objectives, situation and needs.
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