Check out our video for a deep dive into recent changes in the Adelaide property market buyers and sellers must know about. Here are the key takeaways:
Low Supply and High Demand for Properties
Buyer demand is exceeding the supply of properties across Adelaide.
What does this mean for buyers and sellers?
- House prices and competition are high, especially in suburbs with desirable locations.
- On another note, compared to other major capital cities, Adelaide’s rental market is relatively affordable. This is leading to consistent, strong engagement from investors and tenants, alike.
Government Incentives Are Driving Buyer Demand
The First Home Guarantee Scheme and Shared Equity Scheme are notably increasing property demand (and prices), particularly for first home buyers.
In October 2025, the First Home Guarantee Scheme was modified. There are no longer income limits for prospective buyers, and the price caps for eligible properties have been raised.
Also, the Bank of Australia and Commonwealth Bank have initiated a shared equity scheme. This means the government can invest between 25%-40% of the property’s price into your loan and essentially own that percentage of your property.
A key benefit:
Interest free, so you don’t make repayments on that portion of the loan
Something to consider:
You can voluntarily buy back the government’s share. Or, if you sell the property, the government will receive the percentage they invested back (adjusted for the property’s value at the time of sale).
Changes for Property Investors
Partially to reduce investor demand, the government has tightened conditions for lending.
Notable changes:
- Debt-to-Income (DTI) ratios are closely considered by lenders assessing your loan application
- Investment lending is becoming more regulated
- Stricter policies for entity lending
Don’t be deterred by this news. If you’re interested in investing in property in Adelaide, we can help you curate a strategy to enable you to reach your goals and keep you up to date with changes like these.
How Can Property Investors Respond?
The best way to work around these changing policies is to create a plan which includes:
- A long-term property investment strategy to reach your personal goals
- Knowledge regarding lending regulations and their potential impacts
- A trustworthy team of experts (Property Investment Advisor, Mortgage Broker, Property Manager, etc.) to support you
