Is The Government’s Help to Buy Scheme Just a Housing Trap?

The federal government is throwing another $800 million at the Help to Buy scheme, touting it as the answer for first-home buyers struggling to enter the market. But is this really a golden opportunity, or just another bureaucratic scheme that leaves buyers stuck with government strings attached?

Higher Income Limits, Bigger Property Prices – But At What Cost?

With the new changes, individuals earning up to $100,000 and couples earning up to $160,000 can now access the scheme. Property value limits have also increased, allowing more expensive homes to qualify.

Sounds great? Think again. The government takes up to a 40% equity stake in your home—which means they have a say in your property, and you’re sharing the profits when you sell.

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Government Strings Attached: Who Really Owns Your Home?

While Help to Buy sounds like a dream deal, it comes with some serious fine print:

• Government Control – The government can veto your purchase decision or limit your ability to refinance.
• Ongoing Income Checks – If your income increases, you could be forced to buy back the government’s share—at market value.
• Exit Restrictions – If the scheme ends, selling may become a nightmare, with rules and restrictions on how and when you can offload your property.

This isn’t just a helping hand—it’s a long-term financial shackle.

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There’s a Better Way: Own 100% of Your Investment

For those looking to enter the property market without the government peering over their shoulder, there are smarter solutions. Supavest OCP and TIC Property offer alternative pathways that put full control in your hands:

• Supavest OCP provides structured opportunities for investors to access high-growth property markets without surrendering ownership.
• TIC Property allows multiple investors to own shares in high-yield properties, ensuring financial growth and flexibility.

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The Government Knows Best or Does It?

The government's job is to help the people. 

This type of rhetoric is pushed whether it is discreetly or overtly by advocates of the government. 

Now we are not saying the government works against the people, however, when it comes to the unprecedented nature of the Help To Buy Scheme, and the countless strings attached, as a society, we have to question. 

Question the status quo!

Question why the government wants to own a percentage of our homes!
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While the solution proposed by the government may seem enticing, please remember the famous quote by US President Ronald Reagan:

‍“The nine most terrifying words in the English language are ‘I’m from the government and I’m here to help.’”

The solution to the housing crisis is a phone call away! 

Take action now!