David Koch
speaker
72 appearances
1 recordings
1 series
first heard Aug 2026
last heard 8 Aug
David Koch’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Aug 2026 with 1.
Appearances
A listener production.
It allows them easier access to finance in terms of getting into their first home.
Usually 5% deposit means it has to come with mortgage insurance.
So that will be waived as a result of this.
So it's a saving to borrowers.
And you can apply for a loan instead of with 10%, 15%, 20% deposit.
You can do it with 5%.
So theoretically, that makes it a whole lot easier for people to access finance to get into the $2.
Into a property.
However, you still have to meet the lending criteria of the financial institution.
They will still apply the 3% safety net of assuming you can afford repayments if interest rates are much higher than they are now.
But also extending the eligibility.
to the five percent deposit means those people who are on better incomes that were previously excluded from it are now included.
So that's a good thing as well.
But there are lots of consequences, the ripple effect of this, both good and bad, that people have to be aware of.
So the government comes up with a whole bunch of of different figures on this, but it's a couple of hundred thousand that will be able to access it if they want to access it.
As I said, it's people gotta keep it in perspective.
Yes, it's gonna be easy to access finance, but you still gotta make sure you can afford the repayments.
Um and when you have interest rates coming down, lending ceilings widen.
As interest rates come down, people are able to borrow more.
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