8 Sep 2026

5% House Deposit National's New Policy Explained

About this episode

National wants to let more first home buyers in with just a 5% deposit and lift the income cap to $300,000.

So, how would it actually work, and who does it help?

In this episode, Ed and Andrew break down the proposed First Home Loan changes, the numbers, and the risks.

You'll learn:

How a 5% deposit changes the maths
Who actually benefits from the higher income cap, and who it won't help
How many extra first home buyers could this policy create

A lower deposit gets more people in the door. But borrowing 96% of a home's value comes with real risks worth understanding first.

Let us know your thoughts by leaving us a voice message on the Property Academy Hotline⁠⁠⁠⁠⁠

Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.

Ok, now for the legal bit:

The Property Academy Podcast is for your general information. It’s not financial advice.

So the hosts aren’t telling you what to do with your own money. We’ve made every effort to make sure the information is accurate. But we occasionally get the odd fact wrong.

Make sure you do your own research or talk to a financial adviser before making any investment decisions.

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He's 80. He Doubled His Money In 6 Months. Is Now A Good Time To Buy

5% House Deposit National's New Policy Explained

About this episode

This Will Change How You See A Downturn Forever Never Waste A Market Dip

If You Have $600K To Invest In NZ, Listen to THIS

He Saved $1,000 A Week. Now He Owns 2 Properties At 28 [Case Study]

He's 80. He Doubled His Money In 6 Months. Is Now A Good Time To Buy