Low deposit, high stakes: Inside Australia's 5% revolution

Low deposit, high stakes: Inside Australia's 5% revolution

Author: Rask March 26, 2026 Duration: 34:13
In this Australian Finance Podcast episode, your hosts Pete Wargent of Allen Wargent Property Buyers and Gemma Mitchell from Rask discuss whether first homebuyers should use the 5% deposit scheme. Here’s what they cover: -Criteria for qualifying for the new scheme  -The new property price caps -Getting the right loan -Managing cashflows -Retaining a buffer -The benefits of using the 5% deposit scheme -The risk and the drawbacks And their summary thoughts and tips.  This episode was originally featured on The Australian Property Podcast. Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Navigating the financial landscape can feel overwhelming, but Australian Finance Podcast cuts through the noise with grounded, practical advice tailored for life in Australia. Hosted by Owen Rask, the Chief Investment Officer, and Gemma Mitchell, a Senior Financial Adviser, conversations on this podcast feel less like a lecture and more like a direct chat with experts who genuinely want you to succeed. Each episode is built around actionable strategies-whether it's about restructuring debt, understanding investment vehicles, or tax efficiency-that you can apply immediately, not just abstract theories. The focus is on building the confidence to make informed decisions with your money, aiming for a future where your finances support the life you want to live, rather than dictating it. For those just beginning their journey, the hosts suggest diving into their foundational "Starter Pack" series to build a solid base of knowledge. This isn't about get-rich-quick schemes; it's a steady, educational companion for developing lasting financial health. Tune in for a straightforward blend of market insights, personal finance management, and long-term wealth-building principles, all delivered with a clear Australian context. The Australian Finance Podcast from Rask is that reliable resource for turning financial complexity into manageable, actionable steps.
Author: Language: English Episodes: 100

Australian Finance Podcast
Podcast Episodes
Money in your 20s: investing, super and your first home [not-audio_url] [/not-audio_url]

Duration: 57:52
In this episode of the Australian Finance Podcast, Owen is joined by Emily from the Rask design team for a practical conversation about money in your 20s. Together they unpack the real questions younger Australians face…
Sudden wealth explained: inheritance, pressure, risk & what to do next [not-audio_url] [/not-audio_url]

Duration: 39:08
In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell break down sudden wealth events, and what happens when life goes from “normal” to financially complex overnight. They cover: – What coun…
Inside a $350bn super fund: How your money is really invested [not-audio_url] [/not-audio_url]

Duration: 57:11
In this Australian Finance Podcast episode, your host Owen Rask is joined by Brian Parker, Chief Economist of Australian Retirement Trust (ART), to discuss how ART thinks about runway, portfolio construction, private mar…
Interest rates are rising… here’s how to actually benefit [not-audio_url] [/not-audio_url]

Duration: 36:13
In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell break down what rising interest rates actually mean for your money — and how you can benefit if you’ve got cash sitting in the bank. The…
Estate planning, super & SMSFs: What happens to your money? [not-audio_url] [/not-audio_url]

Duration: 43:17
In this Australian Finance Podcast episode, your host Owen Rask is joined by Senior financial adviser at Rask Advice, Chamil Peiris to answer listener questions on estate planning, superannuation and SMSFs. They cover: –…
Becoming a financial planner, SpaceX IPO & your questions answered [not-audio_url] [/not-audio_url]

Duration: 46:14
In this Australian Finance Podcast episode, your host Owen Rask is joined by Rask Advice Associate Milli Russell to unpack Milli’s journey into financial advice, alongside answering your biggest money questions. They cov…
Are Australians really doing it tougher? Real spending data from AU, US & NZ [not-audio_url] [/not-audio_url]

Duration: 46:42
If you like this Australian Finance Podcast episode, you'll love our series. Don't forget to subscribe for weekly shows on⁠⁠ Apple⁠⁠,⁠⁠ Spotify⁠⁠,⁠⁠ YouTube⁠⁠, or wherever you get your podcasts! Follow us on⁠⁠ Instagram⁠…