A surge in first-time home buyers is being attributed to government-subsidised loan programs. These programs have made homeownership more accessible by lowering borrowing costs. The increased demand is impacting the housing market, potentially leading to price increases in some areas. While beneficial for individuals entering the property market, the long-term effects on housing affordability remain a concern. Experts are monitoring the sustainability of this trend and its broader economic implications. The availability of these loans has significantly altered the landscape for potential homeowners. Further analysis is needed to assess the full extent of the impact.