Interest
6.24%p.a.
Comparison*
6.24%p.a.
Est. repayment
$3,075
LVR ≤80%
Queensland Home Loans, November 2026
Compare owner-occupier home loans for Queensland. Check each product’s interest rate, comparison rate, fees and eligibility, then explore the grants and concessions for buyers in Brisbane and regional QLD.
RBA cash rate 4.85%(effective 4 November 2026)·As at ·5,203 products·50+ Australian lenders
About these dates
Live rates updated 5 November 2026. Verified snapshot dated 4 November 2026 is used only for promoted 80% LVR claims, not as a second table date. Live figures change as lenders publish. The verified snapshot is the dated 80% LVR matrix used for promoted claims.
Sorted by comparison rate25 products shown
Interest
6.24%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.28%p.a.
Est. repayment
$3,075
LVR ≤80%
Interest
6.34%p.a.
Updating +25bp · eff 13 Oct
Comparison*
6.34%p.a.
Est. repayment
$3,108
LVR 70 to 80%
Interest
6.18%p.a.
Comparison*
6.36%p.a.
Est. repayment
$3,056
LVR ≤80%
Interest
6.39%p.a.
Updating +25bp · eff 15 Oct
Comparison*
6.39%p.a.
Est. repayment
$3,124
LVR ≤80%
Interest
6.39%p.a.
Comparison*
6.42%p.a.
Est. repayment
$3,124
LVR 60 to 80%
Show 15 more products
Interest
6.44%p.a.
Comparison*
6.46%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Updating +25bp · eff 15 Oct
Comparison*
6.47%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
6.69% (comparison 6.73%) from 12 Nov 2026
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
6.69% (comparison 6.73%) from 12 Nov 2026
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
6.69% (comparison 6.73%) from 12 Nov 2026
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.49%p.a.
Updating +25bp · eff 7 Oct
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.54%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.54%p.a.
Est. repayment
$3,174
LVR 70 to 80%
Interest
6.44%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.55%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.34%p.a.
6.59% (comparison 6.82%) from 19 Nov 2026
Comparison*
6.57%p.a.
Est. repayment
$3,108
LVR 70 to 80%
Interest
6.24%p.a.
Comparison*
6.60%p.a.
Est. repayment
$3,075
LVR ≤80%
ING Bank (Australia) LtdOrange Advantage $150k+ 70% - 80% LVR Owner Occupied P&I
VariableOffsetRedraw
Interest
6.44%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.71%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.64%p.a.
Updating +25bp · eff 15 Oct
Comparison*
6.75%p.a.
Est. repayment
$3,207
LVR 70 to 80%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Buying in QLD
What changes when you compare home loans in Queensland
Compare home loans in Queensland using the same loan amount, deposit, repayment type and features. Check the lender's eligibility requirements as well as the interest rate, comparison rate and fees. A published rate is not a personal loan approval.
Upfront costs and home buyer assistance can differ by location. Check each grant or duty concession separately: availability depends on the scheme's current rules and your circumstances. Benefits are not automatically available together. The Australian Government 5% Deposit Scheme has its own eligibility rules, location-based property price caps and participating-lender assessment. Check the official sources linked below before including assistance in your purchase budget.
Buying to live in yourself? See Queensland owner-occupier home loans. Buying to rent out? See Queensland investor home loans for the loan features and rate spread specific to landlords.
Shopping by deposit size instead? Queensland owner-occupier rates are broken out at 80% LVR (no LMI), 90% LVR (LMI required), 95% LVR (Home Guarantee Scheme eligible), and Queensland investor rates the same way at 80% LVR (no LMI), 90% LVR (LMI required), 95% LVR (Home Guarantee Scheme eligible).
Source: Queensland Revenue Office · Verified September 2026. Cap data from Housing Australia. See also our stamp duty calculator.
QLD first home buyer concessions at a glance
| First home owner grant | $30,000 |
|---|---|
| Stamp duty concession | Full exemption on new or existing homes ≤ $700,000; concessional rates from $700,000 to $800,000 (FHB rate). |
| Home Guarantee Scheme cap | $1,000,000 (Brisbane + regional centres) / $700,000 (rest of QLD) |
How can I compare home loan rates in Queensland?
Compare the interest rate and comparison rate for the same loan, then check fees, repayment type and features such as offset or redraw. A comparison rate helps compare costs, but the loan amount, term and eligibility also matter. Use the repayment calculator to explore repayments for your loan amount and term.
Gold Coast and Sunshine Coast home loans
The Gold Coast and Sunshine Coast are the two Queensland locations named on the Home Guarantee Scheme’s regional-centre list, so buyers there get the same $1,000,000 price cap as Brisbane, rather than the $700,000 cap that applies across the rest of regional Queensland. That means larger regional cities not on the list, including Cairns, Townsville and Toowoomba, sit on the lower cap even though a Gold Coast or Sunshine Coast property can cost just as much as a Brisbane one.
For a Gold Coast or Sunshine Coast refinance, compare published interest rates, comparison rates and fees. The rate and loan available to you depend on the lender's assessment, your deposit, the property and the loan features. A comparison table is not a personal loan offer.
Source: Housing Australia, regional centre price caps. Verified 2026-09-06.
Federal scheme · Available nationwide
Australian Government 5% Deposit Scheme, no LMI
Buy a home with as little as a 5% deposit without paying Lenders Mortgage Insurance, the federal government guarantees the rest. Since 1 October 2025 the scheme has unlimited places, no income caps, and significantly higher property caps. The property must be your principal place of residence (no investors).
First home buyers
5% deposit, no LMI
Scheme places
Unlimited, no waiting list
Single parents
2% deposit, no LMI
Source: firsthomebuyers.gov.au · Verified September 2026
Your state, pick to see grants & concessions
State schemes · Queensland
First home buyer benefits in Queensland
First Home Owner Grant (FHOG)
$30,000, Buying or building a new home, contracts signed from 20 Nov 2023. The increased $30,000 amount, originally due to revert to $15,000 after 30 Jun 2026, has been extended and continues for contracts signed from 1 Jul 2026 onward.
Stamp duty concession
Full exemption on new or existing homes ≤ $700,000; concessional rates from $700,000 to $800,000 (FHB rate).
5% Deposit Scheme property cap
Maximum property price for the federal 5%-deposit scheme in Queensland: $1,000,000 (Brisbane + regional centres) / $700,000 (rest of QLD).
Source: Queensland Revenue Office · Verified September 2026. Grant amounts and property caps change, confirm with the linked source before applying.
Want help stacking these schemes for your scenario? Talk to a broker →
Queensland home loan FAQs
What are the lowest home loan rates in Queensland?
Compare the interest rate and comparison rate for each product in the Queensland table, along with fees, repayment type and eligibility. The lowest advertised rate is not necessarily the lowest total cost for your loan. Grants and concessions for QLD have separate eligibility requirements.
What is the First Home Owner Grant in QLD?
QLD's First Home Owner Grant is $30,000. Buying or building a new home, contracts signed from 20 Nov 2023. The increased $30,000 amount, originally due to revert to $15,000 after 30 Jun 2026, has been extended and continues for contracts signed from 1 Jul 2026 onward. It's paid in addition to any rate you secure on the comparison table above, see Queensland Revenue Office for the current eligibility detail.
Do first home buyers pay stamp duty in QLD?
Full exemption on new or existing homes ≤ $700,000; concessional rates from $700,000 to $800,000 (FHB rate). These concessions can be worth more than a small difference in interest rate, so factor them into your total cost, not just the headline rate. Authority: Queensland Revenue Office.
What is the Home Guarantee Scheme property price cap in QLD?
$1,000,000 (Brisbane + regional centres) / $700,000 (rest of QLD) Under the federal Home Guarantee Scheme, eligible buyers in QLD can purchase under that cap with as little as a 5% deposit and no Lenders Mortgage Insurance, the government guarantees the difference. It works with any lender on the scheme's panel, including several on the table above.
What is the Home Guarantee Scheme price cap on the Gold Coast and Sunshine Coast?
The Gold Coast and Sunshine Coast are the two Queensland regional centres named on the scheme's list, so buyers there get the same $1,000,000 cap as Brisbane, rather than the $700,000 cap that applies across the rest of regional Queensland, including Cairns, Townsville and Toowoomba. A first home buyer on the Gold Coast or Sunshine Coast can use the federal 5% deposit scheme up to $1,000,000 with no Lenders Mortgage Insurance.
Do home loan rates differ between Brisbane and regional QLD?
Compare offers in Brisbane and regional QLD using the same loan amount, deposit, repayment type and features. Check the lender's product eligibility and your individual offer rather than assuming every buyer receives the same rate. Location can also affect government scheme property price caps and access to state assistance. Check the official scheme sources for the property you are considering.