S3: EP 28 Game Changer: RBA + First Home Schemes

At Cash Flow Real Estate, we provide a full range of services designed to help you build and manage profitable From design to tenant management, we ensure your investment runs smoothly and efficiently.

Equity, in layman’s terms, is the value of the property after deducting debts from it. It is the value or a part of a property that solely belongs to you.

For instance, you bought a property whose worth is $500,000 and a mortgage balance is $300,000, so $200,000 is equity. It means the property share that’s worth is $200,000 solely belongs to you.

As you pay your mortgage amount regularly, the debt will reduce, and equity will increase. With time, equity increases as the property value increases because as the property value increases, the share you own also increases in terms of its worth.

What happens when interest rates drop while government incentives for first-home buyers roll out? In this episode, Moxin Reza sits down with property market strategist John Lindeman to unpack the Reserve Bank of Australia’s latest rate cuts and the early implementation of the First Home Guarantee Scheme—and what both mean for today’s buyers and investors.

Together, they dive into the supply-and-demand dynamics across Australia’s capital cities, revealing where growth opportunities are emerging and where markets could slow down. From policy shifts to buyer behaviour, Moxin and John share powerful insights on how these changes are reshaping the property landscape.

Most importantly, they highlight why timing is critical in this market cycle. If you’ve been waiting on the sidelines, this episode might just convince you that now is the moment to act.