When people talk about property cycles, they usually mention interest rates, supply, or investor activity — but rarely the election cycle. Yet during every election, property becomes a hot-button issue. And this time, Peter Dutton, the leader of the opposition, has brought forward a housing policy that could shake up the market in a big way.

Let’s break down what he’s promising — and what it means for buyers, sellers, and investors.

1. Early Access to Superannuation

The first proposal? First home buyers will be allowed to withdraw up to $50,000 from their superannuation to use as a deposit.

At Teach Me About Property, we know that the number one barrier to buying a home is the deposit. So, putting cash into the hands of young Australians? That’s going to move the needle.

Expect this to increase home purchases significantly — and fast. But here’s the catch: it will also push property prices higher. When more people enter the market with bigger deposits, demand goes up. And when demand rises, so do prices. That’s not speculation — that’s fact.

2. Mortgage Tax Deductions for First Home Buyers (New Builds Only)

Here’s one that surprised a few people. Under Dutton’s plan, first home buyers who build a new home can claim interest paid on their mortgage against their income tax — for the first five years.

The key details:

  • Income cap: $175,000 for singles, $250,000 for couples
  • Mortgage cap: $650,000
  • Maximum deduction: $11,000 per year
  • Total over 5 years: $55,000 in tax deductions

This is a massive saving for working professionals looking to build, especially in outer suburbs or regional markets where new builds are more common.

3. The $5 Billion Infrastructure Fund

Finally, the big promise: a $5 billion infrastructure fund that will unlock 500,000 new homes.

Sounds great in theory — but here’s the thing. The maths don’t add up. Most economists agree that the cost of delivering infrastructure to unlock that much housing supply would be significantly higher. While the intent is good, the feasibility is questionable.

So, take this one with a grain of salt. It may have some impact, but nowhere near the half-a-million homes promised.

The Bigger Picture: What It Means for Property Prices

This election is shaping up to be all about housing. Both Anthony Albanese and Peter Dutton are aiming to be the “property PM” — the one who helps more Aussies into their first home.

But here’s the truth: no matter who wins, property prices are going up.

Both parties are throwing money at first home buyers. Both are pumping demand. And in a market already struggling with supply, this only sends one signal: upward pressure on prices.

So from a Teach Me About Property point of view, the impact of this election cycle is clear:

  • Deposits will become easier to access
  • Tax benefits will help new home buyers
  • Demand will rise
  • Prices will rise with it

Final Thoughts: What Should Buyers Do Now?

Don’t wait for the election result. The market is already reacting to these announcements. If you’re sitting on the fence, thinking about timing — this is your sign.

2025 will be a boom year for property. And it’s not just interest rates or supply issues driving it — it’s politics too.

So move now, while the door’s still open.