This audio presentation explores Labour’s Help to Buy scheme, a national shared equity program designed to help low- and middle-income Australians purchase a home with as little as a 2% deposit. Listeners will learn how the government contributes 30-40% equity toward a property purchase, reducing the buyer’s loan size and eliminating the need for Lenders Mortgage Insurance (LMI). The discussion covers eligibility criteria, price caps by region, pros and cons, and potential risks, including government co-ownership and the scheme’s possible impact on housing prices. By the end, listeners will understand how this program could assist buyers, its legislative hurdles, and the broader implications for the housing market.