The Ones Everyone Counted Out Until Now

A surprising shift is underway, and it’s giving young first home buyers in one city a rare advantage.

For years, first home buyers have been quietly chasing a moving target. In a market dominated by seasoned investors and rising prices, many were left on the sidelines. Until now.

In 2025, something unexpected is happening in Adelaide. Thanks to a unique convergence of policy changes, affordability, and market dynamics, first home buyers are no longer at a disadvantage. In fact, they’re starting to take the lead.

The newly elected federal government has rolled out major housing reforms aimed at helping Australians break into the market. These include:

• Help to Buy: A shared equity scheme allowing eligible buyers to purchase with just a 2% deposit, with the government contributing up to 30% of the property value.
• First Home Guarantee: Now with more places available and no lenders' mortgage insurance, the scheme allows buyers to enter the market with just 5% down.
• $2 billion Regional Housing Growth Fund: Boosting supply in outer-metro areas, including Adelaide’s expanding fringe suburbs.
• Rental market incentives: Easing pressure on tenants and reducing competition in the lower-priced market segment.

While these reforms are national, they have a stronger impact in Adelaide — a city with a median house price around $750,000, still far more attainable than in Sydney or Melbourne.

In suburbs like Hackham West, Christies Beach, Modbury, and Happy Valley, first home buyers are increasingly active. These areas offer:

• Strong infrastructure and employment links
• Vacancy rates below 1%
• Affordable price points
• Long-term capital growth potential

With higher interest rates limiting investor borrowing power, well-positioned buyers backed by government support are moving quickly.

This isn’t just good news for buyers. It signals a subtle but important shift in the market. For a long time, young buyers were considered the underdogs. But in Adelaide right now, they’re the ones with the upper hand.

Want to take advantage of Adelaide’s moment in the spotlight?
Whether you’re planning to live in the property or invest, our team can help you build the right strategy. Email enquiries@younginvestorsclub.com.au