Lucinda Hartley

speaker

349 appearances 1 recordings 1 series first heard Apr 2026 last heard 27 Apr

Lucinda Hartley’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Apr 2026 with 1.

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Australian Finance Podcast · Why buying your first home feels impossible (and what to do instead) with Lucinda Hartley · 27 Apr 2026 podcast

was intended to make housing more accessible, but making that much capital available in the market all at the same time to everybody meant that it had the impact of houses that, you know, being $100,000, $150,000 more than they were three months prior and suddenly they're out of reach.

So competition is really fierce.

With my work at Zuru Home Loans, so we have a 0% deposit mortgage product.

Where it probably doesn't have the same impact as the 5% scheme is that it only affects hundreds of people a year, not every first home buyer.

But saving for a deposit is the biggest barrier for first home buyers.

And there's a lot of people who are in the situation where they're earning good money, they're working really hard, but you can't save faster than the property market is growing.

And where one of the cultural myths I think that we need to dispel around risk now is that, you know, one of the reasons why you needed to have a deposit is to show that, you know, you're a safe financial or is to show that you're reliable financially.

Yeah, that you know how to save, that you know how to manage money.

But, you know, we work with people every day who are doing everything right.

But when you're paying $1,200 a week in rent, when your food bill and your grocery bill and your fuel prices have doubled, how are you meant to save?

Mm-hmm.

It actually, in many ways, being able to pay rent consistently, being able to manage your expenses to me is good evidence of fiscal responsibility.

And if you can pay your rent like that, you're likely to be able to pay a mortgage as well, which means I don't feel lending, you know, 100% of the property value is risky anymore.

So that's a big shift.

I think that the deposit, I know that banks need the deposit for many reasons around their own risk protection.

But if you're looking at simply from a fiscal responsibility lens, I don't think that's the case anymore.

I think that's really shifted.

Yeah, it's really, really challenging.

And I think when you're looking to, you know, the amount of money that you need to buy in the market, it's a lot, you know, repayments are high.

I see more and more first-home buyers, particularly younger people, being much more accepting of apartments, townhouses, units, other...

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