New Housing Rules for Malayalis in Australia 🇦🇺 | 2026 Market & 5% Deposit | Joy Mathew скачать в хорошем качестве

New Housing Rules for Malayalis in Australia 🇦🇺 | 2026 Market & 5% Deposit | Joy Mathew

Are you a Malayali living in Australia planning to buy your first home? 🇦🇺🏡 The rules are changing in late 2025, and it is huge news for our community. In this episode of Gils Kitchen, I, Gils Joseph sit down with Mortgage Broker Joy Mathew from Maxlend, to discuss the October 2025 Policy Changes (Home Guarantee Scheme). 00:00 - Intro: Buying a House in Australia (5% Deposit) 00:55 - Meet Joy Mathew (Mortgage Broker) 01:30 - New Government Scheme Oct 2025 (No Income Caps!) 02:40 - What type of property can you buy? (House, Land, Off-plan) 03:11 - Using Gift Money from Parents/Friends for Deposit 04:12 - Who is Eligible? (PR, Citizens & 18+ Rule) 05:50 - Living Requirements (Owner Occupied Rule) 07:35 - New Property Price Caps (VIC, NSW, QLD, WA) 08:52 - Can you actually afford the loan? (Serviceability) 10:18 - Best Places to Buy in Victoria Now (Market Update) 11:10 - Special LMI Waiver for Nurses & Doctors 11:55 - Stamp Duty Concessions & First Home Grants 14:36 - Buying a House with Tenants (6-Month Rule) 15:36 - Buying "Distressed" Sales (Divorce/Wills) 17:02 - Warning for ABN/Uber Drivers vs Permanent Jobs 20:18 - Conclusion & Joy's Contact Details. 📞 Contact Joy Mathew (Mortgage Broker): Phone: 0422245304 Website: https://maxlend.smartonline.com.au/ou... Follow Gils Kitchen: Helping Malayalis in Australia inspire and share knowledge. YouTube:    / @gilskitchen   #MalayaliInAustralia #AustralianRealEstate #JoyMathew #GilsKitchen #AustraliaMalayalam #NursesInAustralia #FirstHomeBuyer #MelbourneMalayali #SydneyMalayali #VisaUpdate