QLD · Owner-occupier · Updated September 2026

Queensland Owner-Occupier Home Loans, September 2026

Owner-occupier home-loan pricing is generally national, so buying in Queensland does not by itself change a lender's advertised rate. What changes in QLD is the cash required at settlement: stamp duty, first-home-buyer assistance and the local Home Guarantee Scheme price cap. Compare rates nationally, then apply the state rules below.

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Owner-occupier in QLD

What changes when you compare owner-occupier loans in Queensland

Owner-occupier pricing in the live comparison linked above is national, the rate is the same buying in Brisbane as it is anywhere else. What does change is the cash going in. QLD buyers can combine the $30,000 First Home Owner Grant with the state stamp duty concession (full exemption on new or existing homes ≤ $700,000; concessional rates from $700,000 to $800,000 (fhb rate)) and the federal Home Guarantee Scheme cap of $1,000,000 (Brisbane + regional centres) / $700,000 (rest of QLD). Those three together can shift your minimum deposit by tens of thousands without ever changing the advertised rate itself.

Source: Queensland Revenue Office · Verified July 2026. Cap data from Housing Australia. See also our stamp duty calculator.

Comparing by deposit size: 80% LVR (no LMI), 90% LVR (LMI required), 95% LVR (Home Guarantee Scheme eligible) for Queensland.

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 July 2026

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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 July 2026. Grant amounts and property caps change, confirm with the linked source before applying.

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