{"id":275523,"date":"2026-01-09T07:07:12","date_gmt":"2026-01-09T07:07:12","guid":{"rendered":"https:\/\/www.europesays.com\/ie\/275523\/"},"modified":"2026-01-09T07:07:12","modified_gmt":"2026-01-09T07:07:12","slug":"home-guarantee-scheme-fuels-price-growth-in-cheaper-housing","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ie\/275523\/","title":{"rendered":"Home Guarantee Scheme fuels price growth in cheaper housing"},"content":{"rendered":"<p>Cotality\u2019s analysis suggests that expectations of greater competition after the scheme\u2019s 1 October start date may have brought forward some purchasing decisions, including from borrowers who did not need to rely on the guarantee itself.<\/p>\n<p>At the same time, higher interest rates and serviceability limits appear to be steering more borrowers towards cheaper segments of the market.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.europesays.com\/ie\/wp-content\/uploads\/2026\/01\/0376_638955912115001606.png\" style=\"height: 30%; width: 30%; float: right; margin-left: 5px; margin-right: 5px;\"\/>\u201cThe expanded 5% deposit guarantee has sharpened demand at lower price points, with under cap markets outperforming across almost nine in 10 regions,\u201d said Tim Lawless (pictured right), research director at Cotality.<\/p>\n<p>\u201cWe\u2019re seeing a clear shift in momentum, with buyers increasingly targeting homes that fall under the new price caps <b id=\"docs-internal-guid-bb6dcd6b-7fff-4143-1233-bf8cb0f5a40b\">\u2013<\/b> especially in Sydney, where the value gap is most pronounced.<\/p>\n<p>&#8220;This trend was already visible before the scheme\u2019s official start on 1 October, suggesting some buyers acted early to secure properties before competition increased.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"Cotality\u2019s analysis suggests that expectations of greater competition after the scheme\u2019s 1 October start date may have brought&hellip;\n","protected":false},"author":2,"featured_media":275524,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[174],"tags":[79,179,18,139604,3847,19,17,18026],"class_list":{"0":"post-275523","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-economy","8":"tag-business","9":"tag-economy","10":"tag-eire","11":"tag-home-guarantee-scheme","12":"tag-housing","13":"tag-ie","14":"tag-ireland","15":"tag-value"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ie\/115863882578879062","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/275523","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/comments?post=275523"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/275523\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media\/275524"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media?parent=275523"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/categories?post=275523"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/tags?post=275523"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}