{"id":553418,"date":"2026-03-20T19:18:26","date_gmt":"2026-03-20T19:18:26","guid":{"rendered":"https:\/\/www.newsbeep.com\/au\/553418\/"},"modified":"2026-03-20T19:18:26","modified_gmt":"2026-03-20T19:18:26","slug":"first-home-buyers-face-perfect-storm","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/au\/553418\/","title":{"rendered":"First home buyers face perfect storm"},"content":{"rendered":"<p>The Reserve Bank of Australia (RBA) on Thursday <a href=\"https:\/\/www.rba.gov.au\/publications\/fsr\/2026\/mar\/pdf\/financial-stability-review-2026-03.pdf\" rel=\"nofollow noopener\" target=\"_blank\">released<\/a> the biannual Financial Stability Review (FSR), which reported a sharp increase in high loan-to-value ratio (LVR) mortgage lending to first home buyers.<\/p>\n<p>This follows the commencement of the federal government\u2019s expanded 5% deposit scheme on 1 October 2025, which allows eligible first home buyers to take out loans with a 5% deposit without paying for lenders\u2019 mortgage insurance:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.newsbeep.com\/au\/wp-content\/uploads\/2026\/03\/FHB-LVRs.png\" width=\"643\" height=\"652\" alt=\"FHB LVRs\"\/><\/p>\n<p>\u201cInformation from the RBA\u2019s liaison program suggests participation in the scheme has been strong\u201d, notes the RBA FSR.<\/p>\n<p>Advertisement<\/p>\n","protected":false},"excerpt":{"rendered":"The Reserve Bank of Australia (RBA) on Thursday released the biannual Financial Stability Review (FSR), which reported a&hellip;\n","protected":false},"author":2,"featured_media":553419,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[64,63,99,164],"class_list":["post-553418","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economy","tag-au","tag-australia","tag-business","tag-economy"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/553418","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/comments?post=553418"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/553418\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media\/553419"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media?parent=553418"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/categories?post=553418"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/tags?post=553418"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}