Rach Kroon

speaker

742 appearances 2 recordings 1 series first heard Jun 2026 last heard 24 Jun

Rach Kroon’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 2 in all, peaking in Jun 2026 with 2.

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money money money · 925b buying your first home to live in · 24 Jun 2026 podcast

So there's not all banks do it.

So there's only certain banks that do this, the 5% deposit scheme, and it's growing all of the time.

So, you know, even just a few months ago, ANZ didn't do it and now they're doing it.

But, you know, there's different banks that have done it the whole time, but they also price differently.

So some will say, well, that's low risk to us.

We're going to price like any other product.

But some, there's still some loading.

No, you can't.

And the help to buy scheme has income caps.

The 5% scheme is you can, August last year, they changed it where you could, before it was, you know, 200,000 as a couple or 160,000 as a couple.

Now it's open.

You could earn $500,000 a year and still get that scheme.

It is sensational.

And also when you're talking to your broker about these state and national based incentives and schemes, ask about the requirements.

So some people go in thinking that, oh, you have to live in the house for 12 months.

for stamp duty concession.

But with Help to Buy or with the 5% deposit scheme, the rules are different.

So you have to live in it for the whole time that guarantee is attached.

And there's also requirements of how much money you can leave out.

So just really understand whether it's right for you before you take it up.

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