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Direct first-home buyer assistance and imminent changes to responsible lending were the main housing policies in the federal budget. But how did it affect other players in the housing market?

Direct first-home buyer assistance and imminent changes to responsible lending were the main housing policies in the federal budget. But how did it affect other players in the housing market? First-home buyers The biggest announcement was reserved for buyers hoping to climb onto the property ladder for the first time, with an extension to the First Home Loan Deposit Scheme (FHLDS). Announced prior to the budget, 10,000 additional places were added to the scheme, after 20,000 places across two previous tranches were nearly exhausted. But some significant changes were revealed. Firstly, price caps for capital cities and regional areas were raised to boost the number of eligible homes and apartments. And the extended scheme was restricted to under-construction or newly-built homes. The FHLDS allows buyers to purchase homes with a 5 per cent deposit, with the government guaranteeing up to 15 per cent of the mortgage to ensure buyers do not pay thousands in lenders mortgage insurance. However, as The New Daily reported, the trade-off in added interest payments could raise the overall cost of a 30-year loan by six figures. Home owners Amid a wave of mortgage deferrals and falling house prices, home owners would have been forgiven for expecting more direct support to flow from government. But CoreLogic head of research Eliza Owen told The New Daily the Reserve Bank and regulator APRA had pulled together to support struggling home owners during “the biggest economic shock since the 1930s”. “We saw changes to the treatment of loans to allow for deferrals which was then extended to March, we saw the implementation of the Term Funding Facility and a reduced cash rate that have both helped make mortgages cheaper,” Ms Owen said. Ms Owen also noted extra relief could come from state governments in their budget announcements, particularly as most state-based relief had been geared towards first-home buyers and the construction sector. Investors With workers in renter-heavy industries such as hospitality and retail bearing the brunt of lockdowns, rental incomes have been slashed as affected renters seek affordability. And with JobSeeker and JobKeeper rates recently reduced, it could spell more dire news for investors wanting to maintain their rental income. However, Ms Owen said the “indirect impacts” of the newly-announced JobMaker program – which provides businesses that hire 16-to-35-year-olds on welfare payments a credit of up to $200 a week – could flow on to the rental market. “The quicker we can reabsorb jobs for young people, the more upward pressure that has on rents,” Ms Owen said. Social housing One notable budget omission that drew the ire of economists, housing academics, welfare advocates and property industry leaders was an absence of direct spending on social housing. Despite the nation’s leading economists ranking it first among all other stimulus measures on their budget wish list, Treasurer Josh Frydenberg offered little. Mr Frydenberg announced a $1 billion boost to the National Housing Finance and Investment Commission for social housing bonds, and $150 million for the Indigenous Home Owner ship Program. Labor announced in its budget reply that it would invest $500 million to accelerate repairs on existing social housing if in government. Up-sizers and down-sizers Up-sizers and down-sizers would likely see the most benefit from proposed changes to responsible lending laws flagged in budget documents. Treasury’s budget overview said removing responsible lending obligations for most products – including home loans – would “streamline” the credit application process and “allow eligible borrowers to obtain credit faster”. In essence, it would encourage up-sizers and down-sizers to sell their property for a higher price, and settle on a new purchase more quickly. “Ultimately, anything that makes credit easier to access generally has an inflationary impact on the market as it boosts demand,” Ms Owen said. “For upsizers who are moving from lower-value segments of the property market to a higher value, they may find their selling price is not as impacted, but may buy into a market where there are greater discounts.” Regional Australia Ms Owen said regional markets, which have been resilient through the pandemic, would continue to receive boosts in buyer interest as a result of the $350 million earmarked to support regional tourism, concessional loans to farmers and access for exporters to global supply chains. However, the lack of focus on fossil fuel alternatives and climate action could have long-term consequences for rural areas, she said. “If we look at the extremities of recent bushfires or storms in Far North Queensland, by not addressing climate change, we’re potentially exposing those regional dwelling markets to more volatility in the long run,” Ms Owen said. “Areas hit by cyclones, for instance, saw a long-term dent where those markets only just started to recover before the onset of COVID. https://infogram.com/buying-with-a-5-deposit-v-a-20-deposit-1hdw2jn0xymo4l0 ”https://infogram.com/buying-with-a-5-deposit-v-a-20-deposit-1hdw2jn0xymo4l0

Here I was thinking a lack of supply was making housing expensive. 

"But because interest rates are lower than in prior decades, total homeowner costs in 2018 were down 17 percent from 2006 and 3 percent from 1990"

https://www.jchs.harvard.edu/state-nations-housing-2019

26 SARAH CT, LOGAN VILLAGE Q. 4207 - LJ GILLAND REAL ESTATE

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Hi Carlos & Linda,

 

Heard the great news that Buxton is now unconditional - a huge Thank-you for all the "extra" time and work needed to close this deal. A bit of worry and stress with the building and pest but your guidance and calmness was much appreciated during this time. And its good to see no issues with the Beneke tenant vacating ! Thank-you - I'm really happy to see the two places go through quickly, especially during this Covid season. A great choice by me to pick you guys - you have delivered again. wow. http://ljgrealestate.com.au/property/1-12-buxton-street-ascot-qld-4007/

https://www.rba.gov.au/chart-pack/

The federal government has handed down the 2020-21 budget, outlining a range of tax cuts and spending initiatives aimed at creating jobs and boosting economic activity.

 The budget was initially expected in May (and to focus on removing the deficit), but this was postponed once COVID-19 hit Australian shores and refocused to support economic growth and help bring back jobs for the millions of Australians who are estimated to have lost them.

Indeed, instead of a surplus, the budget will see a record deficit of $213 billion this year, $112 billion next year and $87 billion the year after that.

Several measures impacting home buyers and small businesses have been announced – as part of the government’s plan to “recover from the COVID-19 recession and to build our economy for the future”.

Referring to the budget, Prime Minister Scott Morrison said he hoped it would “cushion the blow of the pandemic recession” and “recover what’s been lost – the jobs, the livelihoods, the hours, the incomes, the customers, the clients”.

He said the budget will also look to “take new ground by rebuilding our economy for the future.”

The budget includes a raft of tax cuts (reportedly covering more than 11 million Australians and backdated to the beginning of this financial year) and new cash payments for those on welfare, including up to $500 cash payments ($250 paid in December and $250 paid in March 2021) for those on the age or disability support pensions, carer payments/allowances and family tax benefit, among other welfare schemes.

The government also outlined that it will invest an additional $14 billion in new and accelerated investment plan, including more than $7 billion in national transport infrastructure to “boost the national economy, deliver safer roads and create thousands of jobs as part of the federal Coalition’s COVID-19 economic recovery plan”.

When it comes to property, several new initiatives were confirmed.

FHLDS extended 

The government has extended the First Home Loan Deposit Scheme (FHLDS) to provide an additional 10,000 places under the scheme until 30 June 2021.

From today (6 October), 10,000 more places will be provided to support the purchase of a new home or a newly built home.

The popular scheme, which first launched at the beginning of the year and saw very fast take-up, has so far seen nearly 20,000 first home buyers purchase a home with a deposit as low as 5 per cent. 

Under the scheme, the government guarantees the difference between the borrower’s 5 per cent deposit and the standard 20 per cent deposit required to take out a home loan without paying lender’s mortgage insurance.

In August of this year, Minister for Housing Michael Sukkar revealed that 65 per cent of total FHLDS placements were taken up in the first few months of the 2021 financial year, despite ongoing economic uncertainty from the COVID-19 pandemic. The places for 2020-21 were fully reserved last month.

As such, an extra 10,000 spaces have now been made available.

The NHFIC has said it will announce further details later this week.

Mr Frydenberg commented: “Building on the success of the existing scheme, an additional 10,000 first home buyers will be able to obtain a loan to build a new home or purchase a newly built home with a deposit of as little as 5 per cent.

“The additional guarantees will be available until 30 June 2021 and will drive more construction and support jobs as part of our economic recovery plan.”

The government said it will also be enabling an additional $1 billion of low-cost finance to support the construction of affordable housing.

This takes the total concessional finance that has been made available to community housing providers to $3 billion.

Mr Frydenberg said it was also investing $150 million in the Indigenous Home Ownership Program to “construct new homes in regional areas, creating more jobs and helping hundreds of indigenous families buy their own home”.

Removing CGT for granny flats

The government has also committed to a targeted capital gains tax (CGT) exemption for granny flat arrangements where there is a formal written agreement in place.

As tax consequences can be an impediment to families creating formal and legally enforceable granny flat arrangements, the government has said that the new measure will remove CGT to the creation, variation or termination of a formal written granny flat arrangement providing accommodation for older Australians or people with disabilities. 

It is hoped that the measure will also reduce the risk of financial abuse and exploitation, while also boosting the construction industry, stimulating demand for new housing and supporting jobs.

This change will not apply to commercial rental arrangements.

It is estimated that there are around 3.9 million pensioners and around 4 million Australians with a disability who would be eligible for this exemption under this change.

The measure would start from 1 July 2021, subject to the passing of legislation.

Small businesses in focus

The budget also looks at supporting new investment and increasing business cash flow, including by providing a temporary tax incentive, which will be available to around 3.5 million businesses (over 99 per cent of businesses) that employ around 11.5 million workers.

The incentive will apply to around $200 billion worth of investment, including 80 per cent of investment in depreciable assets by non-mining businesses.

From 7:30pm (AEDT) on 6 October 2020 until 30 June 2022, businesses with turnover up to $5 billion will be able to deduct the full cost of eligible depreciable assets of any value in the year they are installed. The cost of improvements to existing eligible depreciable assets made during this period can also be fully deducted.

The government will also allow companies with turnover up to $5 billion to offset losses against previous profits on which tax has been paid to generate a refund. Loss carry-back will be available to around 1 million companies that employ up to 8.8 million workers. Losses incurred up to 2021‑22 can be carried back against profits made in or after 2018‑19. Eligible companies may elect to receive a tax refund when they lodge their 2020‑21 and 2021‑22 tax returns.

Mr Frydenberg said: “Building on the successful expansion of the instant asset write-off during the COVID crisis, tonight we go further, announcing the largest set of investment incentives any Australian government has ever provided.

“From tonight, over 99 per cent of businesses will be able to write off the full value of any eligible asset they purchase for their business. This will be available for small, medium and larger businesses with a turnover of up to $5 billion until June 2022.

“It is a game changer. It will unlock investment. It will dramatically expand the productive capacity of the nation and create tens of thousands of jobs.

“A trucking company will be able to upgrade its fleet, a farmer will be able to purchase a new harvester and a food manufacturing business will be able to expand its production line.

“This will boost the order books of the nation. Small businesses will buy, sell, deliver, install and service these purchases.

“Every sector of our economy, every corner of our country, will benefit.

“This is how we will get Australians back to work.”

JobMaker hiring credit 

The government is also looking to support job creation through a new JobMaker hiring credit by giving businesses incentives to take on additional employees that are young jobseekers aged 16 to 35 years old. The JobMaker hiring credit is a key part of the government’s JobMaker Plan to boost Australia’s economic recovery.

The JobMaker hiring credit is estimated to support around 450,000 positions for young people and cost $4 billion from 2020-21 to 2022‑23.

From 7 October 2020, eligible employers will be able to claim $200 a week for each additional eligible employee they hire aged 16 to 29 years old, and $100 a week for each additional eligible employee aged 30 to 35 years old. New jobs created until 6 October 2021 will attract the JobMaker hiring credit for up to 12 months from the date the new position is created.

To be eligible, the employee must have received the JobSeeker payment, Youth Allowance (other), or Parenting Payment for at least one of the previous three months at the time of hiring.

The full budget 2020-21 document of measures can be read here.

Hi Carlos & Linda,
 
Heard the great news that Buxton is now unconditional - a huge Thank-you for all the "extra" time and work needed to close this deal. A bit of worry and stress with the building and pest but your guidance and calmness was much appreciated during this time. And its good to see no issues with the Beneke tenant vacating ! Thank-you - I'm really happy to see the two places go through quickly, especially during this Covid season. A great choice by me to pick you guys - you have delivered again. wow.https://www.youtube.com/watch?v=KORF3b-dHhg&authuser=0

BAJO CONTRATO DE Linda 姬 琳达 珍 y Carlos
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• Soluciones individuales para adaptarse a las necesidades de nuestros clientes
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• PERMITA LAS REFERENCIAS. Somos un negocio construido sobre 20 años de referencias.
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• FOTOS TOMADAS EN LA ENTRADA, se muestra a los inquilinos sobre los interruptores de seguridad y la red de agua, etc. Nos reunimos con todos los inquilinos en el lugar.
• Enfoque práctico de todos los asuntos de gestión de inversiones inmobiliarias.
Dedicado a implementar las mejores prácticas, lograr los objetivos establecidos y abarcar un enfoque coherente para la gestión de la calidad y hacer un uso eficaz de toda la tecnología disponible. Reconocemos que los inquilinos también son clientes, por lo que tratarlos con cualquier tipo de falta de respeto sería perjudicial para todos los inversores inmobiliarios. Se trata de Actitud. Nuestro objetivo es eliminar la molestia de Sales & Rentals.
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Extra 10,000 Aussies eligible for first home buyer scheme

The Government’s First Home Loan Deposit Scheme has been expanded by another 10,000 places, allowing for more first-time home buyers to purchase a property with only a five per cent deposit.

The other 15 per cent of the loan is guaranteed by the Government. This also helps Aussies side-step lenders mortgage insurance, which can climb to tens of thousands of dollars.

The extension is expected to give a boost to the residential construction sector, and is in line with the Morrison Government’s “shovel-ready” approach to economic recovery.

Also read:  Will the First Home Buyers’ scheme be effective?

Also read: Coalition’s First Home Loan Scheme COSTS buyers $53,000

Nearly 20,000 Aussies have already benefited from the scheme, which will be available to Aussies from budget night next Tuesday until the end of the current financial year on 30 June 2021.

The scheme can also be used with HomeBuilder, which gives Aussies grants of $25,000 for new homes and renovations.

“Helping another 10,000 first home buyers to buy a new home through our First Home Loan Deposit Scheme will help to support all our tradies right through the supply chain including painters, builders, plumbers and electricians,” said Treasurer Josh Frydenberg.

"At around five per cent of GDP, our residential construction industry is vital to the economy and our recovery from the coronavirus crisis."

The price caps are higher this financial year, with Sydneysiders able to purchase homes worth up to $950,000; $850,000 for Melbourne residents; $650,000 in Brisbane; and $550,000 in Perth.

Aussies have to be earning less than $125,000 as an individual or below $200,000 for couples in order to be eligible for the scheme.

Previous research from Domain found that the scheme could actually cost first-home buyers $50,000 in the long run.

The announcement comes before the 2020-21 Federal Budget on Tuesday. Here’s what we already know so far about it.

–with AAP