Buying or refinancing in Queensland?
The schemes, stamp-duty thresholds and journey paths that apply to Queensland buyers, current as of May 2026. Median dwelling value: $845,000 (+3.1% year-on-year).
Stamp duty steps from 1.0% to 5.75% on owner-occupier purchases. Foreign-buyer surcharge 8%.
Calculate stamp dutyNew homes (doubled in 2024, current as of 2026).
Read the FHB grant guideBrisbane was the strongest capital through 2024 and held most of those gains in 2025.
Queensland home loansEvery Queensland scheme that actually moves the maths.
Federal + state schemes that Queensland first-home buyers and owner-occupiers can stack. Confirm eligibility against the relevant revenue office before signing a contract.
Where Queensland borrowers are buying.
Sub-markets vary widely on price-to-income, rental yield and growth. Use the regions below as starting points; the journey paths below cover the structural decisions.
- Brisbane
- Gold Coast
- Sunshine Coast
- Cairns
- Townsville
- Toowoomba
Brisbane was the strongest capital through 2024 and held most of those gains in 2025. Affordability remains stronger than Sydney/Melbourne, drawing interstate migrants. Gold Coast and Sunshine Coast have moderated but remain elevated.
Sequenced for Queensland borrowers.
The journey paths below are the most relevant starting points for a Queensland buyer. Each is a sequenced article series with calculators and FAQs.
Eight stages from “maybe I’m ready” to keys in hand, with the schemes, numbers and costs explained without the broker pitch.
Start hereSix stages on land-and-build, off-the-plan and new-build paths, including the construction loan mechanics and the sunset-clause traps that catch most buyers.
Start hereSeven stages on investor borrowing, structure, tax, equity, SMSF traps, and assembling the team, written for the buyer who wants the trade-offs, not the pitch.
Start hereThe QLD shortlist.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.