The biggest risk for first home buyers in 2026 isn’t “buying at the top” – it’s the opportunity cost of waiting.
Recent shifts in the market mean entry-level properties in popular metro areas have already moved in price after changes allowing more buyers to get in with lower deposits. On an 800k property, even a small 2–3% change can add tens of thousands to the price while you’re still “getting ready”.
At the same time, investors and cashed‑up parents are active again in the same suburbs first home buyers are targeting, which adds more competition exactly where it hurts. If you’re renting and planning to “wait 12–24 months”, it’s worth asking what that delay could really cost you if prices and rents both keep drifting up.
The key isn’t to panic and rush a purchase – it’s to understand your numbers and your strategy. A clear plan around borrowing power, price range and realistic timeframes can turn vague concern into concrete decisions.
PS: I have access to lending options that can help eligible home or investment buyers get started from deposits as low as 1%, subject to lender criteria and your situation. If you’d like to explore whether that could work for you, get in touch for a tailored assessment.
