Home Loans in Queensland (QLD) - Compare Rates from 70+ Lenders

Q: What is the average home loan interest rate in Queensland in 2026?

In Queensland, the average variable home loan interest rate for owner-occupiers paying principal and interest is approximately 6.78% as of 2 November 2026. The lowest variable rates available to Queensland borrowers start from 5.93% p.a. (6.28% comparison rate) from online lenders. Fixed rates start from 6.09% p.a. (6.24% comparison rate). These rates assume an 80% loan-to-value ratio on a standard owner-occupier loan. Queensland borrowers benefit from lower median property prices than Sydney or Melbourne, meaning smaller loan sizes and lower total interest paid over the life of the loan.

Q: Which banks offer the best home loan rates in Queensland?

In Queensland, the best home loan rates as of 2026 come from a mix of online and traditional lenders. Unloan (backed by CommBank) offers a competitive variable rate with offset and redraw. Athena offers a competitive rate with automatic rate matching. Among the major banks, ING leads, followed by Macquarie and CommBank. For fixed rates, Unloan leads on 3-year fixed. Suncorp, headquartered in Brisbane, is also a strong local option with competitive rates and extensive Queensland branch coverage. All major banks operate across all QLD postcodes.

Q: How much deposit do I need for a home in Brisbane?

To purchase a home in Brisbane at the median house price of approximately $850,000, you would ideally need a 20% deposit of $170,000 to avoid paying Lenders Mortgage Insurance (LMI). The minimum deposit most lenders accept is 5%, which is $42,500 for an $850,000 property, but LMI will add $12,000-$30,000 to your costs. First home buyers in Queensland can access the First Home Guarantee scheme with just a 5% deposit and no LMI. Queensland offers the highest First Home Owner Grant in mainland Australia at $30,000 for new homes, which can significantly boost your effective deposit. Regional Queensland properties with a median of approximately $550,000 require a 20% deposit of $110,000.

Q: What is the Queensland First Home Owner Grant?

The Queensland First Home Owner Grant (FHOG) is the highest on mainland Australia at $30,000 for eligible first home buyers purchasing or building a new home valued under $750,000. The grant was increased from $15,000 to $30,000 and has been extended through 2026. Eligibility requires the applicant to be an Australian citizen or permanent resident, at least 18 years old, and not have previously owned property in Australia. The home must be a new build, substantially renovated home, or off-the-plan purchase. The applicant must move into the property within one year and live there for at least six continuous months.

Q: What government grants are available for first home buyers in Queensland?

First home buyers in Queensland can access the most generous package of grants and concessions in Australia. The Queensland FHOG provides $30,000 for new homes under $750,000 - the highest grant on mainland Australia. First home buyers pay no stamp duty on new homes and receive a stamp duty concession on established homes up to $800,000 (full concession up to $700,000). The federal First Home Guarantee allows 5% deposits without LMI (unlimited places and no income cap since October 2025). The Help to Buy shared equity scheme requires just a 2% deposit. Queensland also offers the Queensland Housing Finance Loan for eligible applicants in regional areas, and the Regional First Home Buyer Guarantee for regional purchases.

Q: What is stamp duty on an $850,000 property in Queensland?

Stamp duty (transfer duty) on an $850,000 property in Queensland is approximately $31,275 for a standard purchaser. First home buyers in Queensland receive a stamp duty concession on established homes up to $800,000 (full up to $700,000) and pay no stamp duty on new homes at any price for contracts signed from 1 May 2025. For a first home buyer purchasing a new $850,000 property, partial concessions may still apply. Queensland stamp duty rates are generally lower than those in NSW and Victoria for equivalent property values. Foreign buyers pay an additional 8% AFAD (Additional Foreign Acquirer Duty) surcharge.

Q: What are the hidden costs of buying a home in Queensland?

Beyond the purchase price and stamp duty, buying a home in Queensland involves several additional costs. Conveyancing or legal fees typically run $1,000-$2,000. Building and pest inspections cost $400-$700 and are especially important in Queensland due to termite risk. Loan application fees range from $0-$600. Lenders Mortgage Insurance (LMI) applies if your deposit is below 20% and can cost $8,000-$30,000. Title registration with Queensland Titles Registry is approximately $200. Body corporate searches for units cost $200-$350. Flood and strata searches are recommended in many Queensland areas. Moving costs average $400-$1,500. Budget an additional 3-5% of the purchase price for these costs.

Q: What is the median house price in Brisbane in 2026?

The median house price in Brisbane is approximately $850,000 as of early 2026, according to CoreLogic data. Brisbane has been one of Australia's strongest-performing capital city markets, with prices growing approximately 10% over the 12 months to September 2026, driven by interstate migration from NSW and Victoria and Olympics 2032 infrastructure investment. The median unit price in Brisbane is approximately $560,000. Prices range from $500,000-$650,000 in outer suburbs like Logan, Ipswich, and Moreton Bay to over $1.5 million in inner-city suburbs like New Farm, Paddington, and Ascot.

Q: Can I get a home loan for regional Queensland?

Yes, most major banks and online lenders approve home loans for regional Queensland properties. All four major banks lend across regional QLD including the Gold Coast, Sunshine Coast, Townsville, Cairns, Mackay, Rockhampton, and Toowoomba. Suncorp has particularly strong regional Queensland coverage. Some lenders may apply postcode restrictions for very remote areas, mining towns with volatile property markets, or properties in flood-prone zones. Regional Queensland median property prices sit around $550,000, making these areas significantly more affordable than Brisbane. The Regional First Home Buyer Guarantee provides additional support for regional buyers.

Q: How will the 2032 Olympics affect Brisbane property prices?

The Brisbane 2032 Olympic and Paralympic Games are expected to have a significant positive impact on South East Queensland property prices. Historical data from previous Olympic host cities shows average price growth of 50-80% in the decade leading up to the Games. Major infrastructure projects including Cross River Rail, Brisbane Metro, the Gabba redevelopment, and the Western Sydney-style aerotropolis are driving growth in adjacent suburbs. Key areas of impact include Woolloongabba (main stadium), Albion and Northshore Hamilton (athletes' village), the Gold Coast, and Sunshine Coast. Investors and owner-occupiers are already pricing in Olympics-related growth across Greater Brisbane.

Compare home loan rates available to Queensland borrowers. Brisbane metro median property price is ~$850K, regional QLD ~$550K. Australia's strongest growth corridor with $30K FHOG for first home buyers.

Rates updated 2 November 2026

Loan purpose

Repayment type

Loan amount

100% free. No impact on your credit score. Default loan amount based on 80% LVR on Brisbane median.

Where Queensland home loan rates sit today

Rates rising

4.60%

RBA Cash Rate

Up from 4.35% - 29 Sept 2026

$680K

Median New Loan

Strongest interstate migration

From 6.09%

Lowest Fixed Rate

6.24% comparison rate

Queensland is seeing the strongest interstate migration in Australia, pushing Brisbane’s median new mortgage to around $680K. The RBA has lifted the cash rate to 4.60% (up from 4.35%), and lenders keep repricing independently, so QLD buyers and refinancers have multiple lenders to compare.

70+ lenders in QLD Updated daily $30K FHOG available Brisbane & regional QLD

Queensland Home Loan Key Facts

QLD at a glance · 2026

6.78%

Avg variable rate

Owner-occ · lowest 5.93%

$850K

Brisbane median price

Regional QLD ~$550K

$540K

Average loan size

Below national average

$31,275

Stamp duty (median)

Standard buyer · $850K home

First Home Owner Grant

$30,000 - highest on mainland Australia (new homes under $750K).

Key QLD features

No stamp duty on new homes for FHB, Olympics 2032 infrastructure driving growth, strongest interstate migration nationally.

Sources: CoreLogic, RBA Table F6, ABS Lending Indicators, Queensland Treasury. Data as of 11 September 2026.

Best Home Loan Rates in Brisbane and Queensland

Rates shown are available to Queensland borrowers. Some lenders have postcode restrictions in remote or mining-dependent areas. Monthly repayments are estimated based on an $850K property with 20% deposit ($680,000 loan) over 30 years.

Lender	Product	Rate (p.a.)	Comparison Rate	Monthly ($680K/30yr)	Features
SCCU	EMONEY HOME LOAN	5.93%	6.28%	$4,046	Offset, Redraw
SCCU	BROKER HOME LOAN	5.93%	6.28%	$4,046	Offset, Redraw
NORTHERN INLAND CREDIT UNION LTD.	Value Home Loan - Owner Occupied	5.94%	5.98%	$4,051	Redraw, Digital banking
The Mutual Bank	Budget Home Loan	6.04%	6.04%	$4,094	Digital banking, Redraw
Greater Bank	Discounted Great Rate Home Loan - Variable Owner Occupied	6.09%	6.10%	$4,116	Redraw, Digital banking
Macquarie verified Sep 23	Basic Home Loan	6.09%	6.11%	$4,116	Offset, Redraw
South West Slopes Credit Union	Intro Discounted Standard Variable Home Loan	6.10%	6.10%	$4,121	Digital banking, Redraw, Offset, NPP
South West Slopes Credit Union	Optimum 2 Year Fixed Rate Home Loan	6.10%	6.10%	$4,121	Digital banking, NPP, Redraw
South West Slopes Credit Union	Optimum 3 Year Fixed Rate Home Loan	6.10%	6.10%	$4,121	Digital banking, NPP, Redraw
POLICE CREDIT UNION LIMITED	Low Rate Home Loan Special Offer - Owner Occupied	6.14%	6.18%	$4,138	Digital banking, NPP, PayID, Redraw, Offset
TRANSPORT MUTUAL CREDIT UNION LTD	REFI SPECIAL OWNER OCCUPIED	6.14%	6.24%	$4,138	Redraw, Offset
TRANSPORT MUTUAL CREDIT UNION LTD	2 FIXED RATE HOME LOAN	6.14%	6.14%	$4,138	Redraw, Offset
TRANSPORT MUTUAL CREDIT UNION LTD	1 YEAR FIXED RATE LOAN	6.14%	6.14%	$4,138	Offset, Redraw
Bendigo Bank	Bendigo Express Home Loan	6.14%	6.27%	$4,138	Redraw, Offset
Community First Credit Union	Go Basic Variable Home Loan - Owner-occupied LVR 80% (Principal and Interest)	6.15%	6.20%	$4,143	Digital banking, Redraw
MACARTHUR CREDIT UNION LTD	GOVT LOW DEP VARIABLE OOC PI	6.17%	6.24%	$4,152	Redraw, Digital banking, PayID, NPP
Bank of China	Discount Home Loan (With Principal and Interest Repayment)	6.18%	6.38%	$4,156	Redraw, Digital banking
Bank of China	Discount Plus Home Loan (with Principal and Interest Repayment)	6.18%	6.56%	$4,156	Redraw, Offset, Digital banking
Bank of us	Flexidiscount Home Loan	6.19%	6.19%	$4,160	Redraw, Digital banking, NPP
FIRST OPTION BANK	SIMPLE HOME LOAN	6.19%	6.19%	$4,160	Digital banking, Redraw
Border Bank	Customs Value Home Loan	6.19%	6.26%	$4,160	Redraw, Offset
Up	Up Home Loan	6.20%	6.20%	$4,165	Digital banking, Offset, Redraw
Bank of us	TOPLINE HOME LOAN	6.24%	6.24%	$4,182	NPP, Redraw, Digital banking, Offset
UNITY BANK	Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO	6.24%	6.29%	$4,182	Offset, Redraw, PayID, NPP, Digital banking
BankWAW	Back to Basics Owner Occupied	6.24%	6.29%	$4,182	Redraw
CENTRAL MURRAY CREDIT UNION LIMITED	HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR < 60%	6.24%	6.30%	$4,182	Redraw, Offset
Bank First Production	Basic Home Loan Variable LVR<60%	6.24%	6.29%	$4,182	Redraw, PayID, Digital banking
FIRST OPTION BANK	COMPLETE PACKAGE HOME LOAN	6.24%	6.59%	$4,182	Redraw, Digital banking, Offset
Police Bank	Goldrate Home Loan	6.24%	6.31%	$4,182	Redraw, Offset
BankVic	Home Loan Special Variable Rate	6.24%	6.24%	$4,182	Redraw, Offset
Border Bank	Goldrate Home Loan	6.24%	6.31%	$4,182	Offset, Redraw
NORTHERN INLAND CREDIT UNION LTD.	Dream Home Loan New Borrowing	6.24%	6.58%	$4,182	Redraw, Offset, Digital banking
NORTHERN INLAND CREDIT UNION LTD.	Dream Home Loan New Borrowing INV	6.24%	6.58%	$4,182	Redraw, Offset, Digital banking
HUME BANK LIMITED	liteBlue O/Occ P+I (up to 60%LVR)	6.24%	6.25%	$4,182	Digital banking, Redraw
Community First Credit Union	BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 80% (Principal and Interest)	6.29%	6.66%	$4,205	Offset, Redraw, Digital banking
ING	Mortgage Simplifier	6.29%	6.32%	$4,205	Digital banking, PayID, NPP, Redraw
Bank First Production	Basic Home Loan Variable LVR 60-70%	6.29%	6.34%	$4,205	Redraw, PayID, Digital banking
A-Auswide Bank	BASIC HOME LOAN	6.29%	6.32%	$4,205	Redraw, NPP, PayID
Tiimely	Tiimely Basic Home Loan	6.29%	6.30%	$4,205	Redraw
Easystreet	STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)	6.29%	6.34%	$4,205	Offset, Redraw
Credit Union SA	Variable Home Loan Package Specials	6.29%	6.66%	$4,205	Redraw, Offset, Digital banking
NRMA Insurance	NRMA Basic Home Loan	6.33%	6.37%	$4,222	Redraw
UNITY BANK	Advantage Home Loan - Owner Occupied - Variable P&I - Without Offset	6.34%	6.39%	$4,227	Redraw, PayID, NPP, Digital banking
UNITY BANK	Momentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SO	6.34%	6.39%	$4,227	Offset, Redraw, PayID, NPP, Digital banking
Bank First Production	Premier Package Home Loan Owner Occupied Variable LVR <60%	6.34%	6.72%	$4,227	Offset, PayID, Digital banking, Redraw
BankWAW	Home Equity Loan Owner Occupied	6.34%	6.37%	$4,227	Redraw
CENTRAL MURRAY CREDIT UNION LIMITED	HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 60-70%	6.34%	6.40%	$4,227	Redraw, Offset
Bank First Production	Complete Home Loan Owner Occupied Variable LVR <60%	6.34%	6.39%	$4,227	Offset, PayID, Digital banking, Redraw
Bank First Production	Basic Home Loan Variable LVR 70-80%	6.34%	6.39%	$4,227	Redraw, PayID, Digital banking
CENTRAL WEST CREDIT UNION LTD	Premium Smart Home Loan	6.34%	6.40%	$4,227	Redraw, Offset, Digital banking
Credit Union SA	40 Year Home Loan Package	6.34%	6.71%	$4,227	Redraw, Offset, Digital banking
HUME BANK LIMITED	liteBlue O/Occ P+I (60%-80% LVR)	6.34%	6.35%	$4,227	Digital banking, Redraw
Credit Union SA	Variable Home Loan Package Specials	6.34%	6.71%	$4,227	Redraw, Offset, Digital banking
HUME BANK LIMITED	myBlue Variable O/Occ P+I (up to 60% LVR)	6.34%	6.34%	$4,227	Redraw, Digital banking, Offset
BankVic	Fixed Rate Home Loan - 5 years	6.35%	6.35%	$4,231
BankVic	Fixed Rate Home Loan - 4 years	6.35%	6.35%	$4,231
BankVic	Fixed Rate Home Loan - 3 years	6.35%	6.35%	$4,231
BankVic	Fixed Rate Home Loan - 1 year	6.35%	6.35%	$4,231
BankVic	Fixed Rate Home Loan - 2 years	6.35%	6.35%	$4,231
BankVic	Home Loan Variable Rate	6.35%	6.35%	$4,231	Redraw
BNK Bank (Goldfields Money/BCHL)	Gold Prime Residential Basic Home Loans	6.35%	6.38%	$4,231	Digital banking, Redraw
Qudos Bank	Low Cost Value Package	6.38%	6.56%	$4,245	Offset, Redraw
Qudos Bank	No Frills Home Loan	6.38%	6.38%	$4,245	Digital banking, NPP, PayID, Redraw
Qantas Money	QANTAS Money Basic Home Loan	6.38%	6.45%	$4,245	Redraw
Bendigo Bank	Bendigo Easy Home Loan	6.38%	6.40%	$4,245	Redraw
CommBank	Digi Home Loan (Owner Occupied)	6.39%	6.41%	$4,249	Redraw, Digital banking, Offset
Bank First Production	Premier Package Home Loan Owner Occupied Variable LVR 60-70%	6.39%	6.77%	$4,249	Digital banking, PayID, Redraw, Offset
Bank First Production	Complete Home Loan Owner Occupied Variable LVR 60-70%	6.39%	6.44%	$4,249	PayID, Digital banking, Redraw, Offset
BankVic	Offset Variable Rate Home Loan	6.39%	6.39%	$4,249	Redraw, Offset
POLICE CREDIT UNION LIMITED	Low Rate Home Loan - Owner Occupied	6.39%	6.46%	$4,249	Digital banking, NPP, PayID, Redraw, Offset
POLICE CREDIT UNION LIMITED	Renovation Loan - Owner Occupied	6.39%	6.46%	$4,249	Digital banking, NPP, PayID, Redraw, Offset
ORANGE CREDIT UNION LTD	Basic Variable Rate Home Loan	6.39%	6.44%	$4,249	Redraw
Bendigo Bank	Single Parents (Bendigo Complete Home Loan)	6.43%	6.65%	$4,267	Offset, Redraw
Unloan Prod	Unloan Home Loan	6.44%	6.35%	$4,271	Digital banking, Redraw, NPP
Bank of Queensland	Economy Variable Home Loan	6.44%	6.58%	$4,271	Redraw, Digital banking
THE CAPRICORNIAN	Variable Rate Offset Home Loan	6.44%	6.44%	$4,271	Offset, PayID, Digital banking, NPP, Redraw
UNITY BANK	Advantage Home Loan - Owner Occupied - Variable P&I - With Offset	6.44%	6.49%	$4,271	Redraw, Offset, PayID, Digital banking, NPP
UNITY BANK	Momentum Home Loan 80LVR - Owner Occupier - Variable - P&I SO	6.44%	6.49%	$4,271	Offset, Redraw, PayID, NPP, Digital banking
ING	Orange Advantage	6.44%	6.73%	$4,271	Digital banking, PayID, NPP, Redraw, Offset
Bank First Production	Premier Package Home Loan Owner Occupied Variable LVR 70-80%	6.44%	6.82%	$4,271	PayID, Digital banking, Redraw, Offset
Greater Bank	Discounted Ultimate Packaged Home Loan - Variable Owner Occupied	6.44%	6.80%	$4,271	Offset, Digital banking, Redraw
Bank First Production	Complete Home Loan Owner Occupied Variable LVR 70-80%	6.44%	6.49%	$4,271	Offset, PayID, Digital banking, Redraw
Bank of Sydney	BOS Basic Home Loan Owner Occupied	6.44%	6.48%	$4,271	Redraw, Digital banking
The Mutual Bank	Package Home Loan	6.44%	6.80%	$4,271	Offset, Redraw, Digital banking
NAB	NAB Tailored Home Loan	6.44%	6.57%	$4,271	Offset, Digital banking, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ P+I (60.01 - 80.00% LVR)	6.44%	6.44%	$4,271	Redraw, Digital banking, Offset
Community First Credit Union	Go Basic Variable Home Loan - Owner-occupied LVR 95% (Principal and Interest)	6.45%	6.50%	$4,276	Digital banking, Redraw
CENTRAL MURRAY CREDIT UNION LIMITED	HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest - Local Choice Loan - LVR 70-80%	6.49%	6.55%	$4,294	Redraw, Offset
TRANSPORT MUTUAL CREDIT UNION LTD	BASIC VARIABLE LOAN	6.49%	6.59%	$4,294	Redraw, Offset
Cairns Bank	CLASSIC HOME LOAN VARIABLE <60 LVR PI	6.49%	5.95%	$4,294	Redraw
Aussie Home Loans	Aussie Elevate Basic Home Loan	6.54%	6.56%	$4,316	Redraw
Connective Select Home Loans	Connective Select Basic Home Loan	6.54%	6.56%	$4,316	Redraw
ORANGE CREDIT UNION LTD	Premium Home Loan Fixed 12 mths P&I Owner Occupied	6.54%	6.54%	$4,316	Offset, Redraw
ORANGE CREDIT UNION LTD	Premium Home Loan Fixed 24 mths P&I Owner Occupied	6.54%	6.54%	$4,316	Offset, Redraw
ORANGE CREDIT UNION LTD	Premium Home Loan Fixed 36 mths P&I Owner Occupied	6.54%	6.54%	$4,316	Offset, Redraw
Cairns Bank	CLASSIC HOME LOAN VARIABLE 60-80 LVR PI	6.54%	6.00%	$4,316	Redraw
AFG Home Loans Alpha	AFG Alpha Basic Home Loan	6.54%	6.56%	$4,316	Redraw
HUME BANK LIMITED	liteBlue O/Occ P+I (80%-90% LVR)	6.54%	6.55%	$4,316	Digital banking, Redraw
Community First Credit Union	BOOST PACKAGE HOME LOAN - OWNER-OCCUPIED LVR 95% (Principal and Interest)	6.59%	6.96%	$4,338	Offset, Redraw, Digital banking
Unknown lender	Standard Variable Plus	6.59%	6.75%	$4,338	Redraw, Offset
Cairns Bank	PLUS HOME LOAN VARIABLE <60 LVR	6.59%	6.27%	$4,338	Redraw, Offset
LCU	Intelligent Mortgage 1 Year Fixed	6.60%	6.61%	$4,343	Redraw, Digital banking, NPP, PayID
LCU	Intelligent Mortgage 2 Years Fixed	6.60%	6.63%	$4,343	Redraw, Digital banking, NPP, PayID
LCU	Intelligent Mortgage Variable	6.60%	6.62%	$4,343	Redraw, Offset, Digital banking, NPP, PayID
THE CAPRICORNIAN	No Frills Owner Occupied Home Loan	6.64%	6.69%	$4,361	PayID, NPP, Digital banking, Redraw
Bank of Sydney	Expect More Home Loan Owner Occupied	6.64%	6.79%	$4,361	Digital banking, Offset, Redraw
ORANGE CREDIT UNION LTD	Premium Home Loan Variable	6.64%	6.69%	$4,361	Offset, Redraw
Cairns Bank	PLUS HOME LOAN VARIABLE 60-80 LVR PI	6.64%	6.32%	$4,361	Redraw, Offset
Bank Australia	Basic Home Loan	6.64%	6.64%	$4,361	Digital banking, Redraw
Bank Australia	Offset Home Loan	6.64%	6.82%	$4,361	Digital banking, Offset, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ P+I (80.01-90.00% LVR)	6.64%	6.64%	$4,361	Redraw, Digital banking, Offset
Bank First Production	Premier Package Home Loan Owner Occupied Construction Variable LVR<80%	6.69%	6.85%	$4,383	PayID, Digital banking, Redraw, Offset
Bank First Production	Complete Home Loan Owner Occupied Construction Variable LVR<80%	6.69%	6.51%	$4,383	Offset, PayID, Digital banking, Redraw
NAB	NAB Base Variable Rate Home Loan	6.69%	6.69%	$4,383	Redraw, Digital banking
NORTHERN INLAND CREDIT UNION LTD.	Dream Home Loan Variable PI Owner Occupied	6.69%	7.03%	$4,383	Redraw, Offset, Digital banking
RACQ Bank	Fair Dinkum Home Loan	6.69%	6.69%	$4,383	Digital banking, NPP
Liberty Financial	Low rate home loan	6.74%	6.82%	$4,406	Redraw
TRANSPORT MUTUAL CREDIT UNION LTD	STANDARD VARIABLE LOAN	6.74%	6.84%	$4,406	Redraw, Offset
Defence Bank Limited	Premier Low Rate	6.74%	6.74%	$4,406	Redraw
Cairns Bank	CLASSIC HOME LOAN VARIABLE 80-90 LVR PI	6.74%	6.20%	$4,406	Redraw
HUME BANK LIMITED	liteBlue O/Occ I/O(up to 60% LVR)	6.74%	6.48%	$4,406	Digital banking, Redraw
Community First Credit Union	Community Advantage Variable Owner Occupied (Principal and Interest)	6.79%	6.84%	$4,429	Redraw
Qudos Bank	Construction Home Loan	6.79%	6.65%	$4,429
RACQ Bank	Mortgage Saver Home Loan	6.79%	6.83%	$4,429	Digital banking, NPP, Redraw
Bank of Queensland	Clear Path Variable Home Loan	6.84%	6.96%	$4,451	Offset, Redraw
Liberty Financial	Debt consolidation home loan	6.84%	7.11%	$4,451	Offset, Redraw
Liberty Financial	Flexible home loan	6.84%	7.11%	$4,451	Offset, Redraw
Bank First Production	Basic Home Loan Variable LVR 80-90%	6.84%	6.89%	$4,451	Redraw, PayID, Digital banking
Defence Bank Limited	Premier Home Loan	6.84%	6.84%	$4,451	Offset, Redraw
Defence Bank Limited	Ultimate Essentials Construction (INV)	6.84%	6.93%	$4,451	Offset, Digital banking, Redraw
AMP - My AMP	Equity Flex	6.84%	7.15%	$4,451	Redraw, Offset, Digital wallet, Digital banking
Cairns Bank	PLUS HOME LOAN VARIABLE 80-90 LVR PI	6.84%	6.51%	$4,451	Redraw, Offset
HUME BANK LIMITED	liteBlue O/Occ I/O (60%-80% LVR)	6.84%	6.58%	$4,451	Digital banking, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ I/O (up to 60% LVR)	6.84%	6.56%	$4,451	Redraw, Digital banking, Offset
HORIZON BANK	Home Sweet Home Loan	6.89%	7.12%	$4,474	Redraw, Digital banking, NPP, Offset
IMB Bank	Essentials Home Loan	6.89%	7.00%	$4,474	Offset, Digital banking, Redraw
IMB Bank	Budget Home Loan	6.89%	6.95%	$4,474	Digital banking, Redraw
AMB Bank Product	DHOAS Construction Loan	6.89%	6.92%	$4,474
AMB Bank Product	DHOAS Rate Saver Home Loan	6.89%	6.92%	$4,474	Redraw
RACQ Bank	Mortgage Breaker Owner Occupied	6.89%	6.93%	$4,474	NPP, Digital banking, Offset, Redraw
Bank of us	TOPLINE RES. INV. LOAN	6.94%	7.01%	$4,497	NPP, Redraw, Digital banking, Offset
THE CAPRICORNIAN	Lifestyle Home Loan	6.94%	6.99%	$4,497	Offset, PayID, NPP, Digital banking, Redraw
St. George Bank	Basic Variable Home Loan	6.94%	6.95%	$4,497	Redraw, Digital banking
Bank of Melbourne	Basic Variable Home Loan	6.94%	6.95%	$4,497	Redraw, Digital banking
Bank First Production	Complete Home Loan Owner Occupied Variable LVR >80% <90%	6.94%	6.99%	$4,497	Offset, PayID, Digital banking, Redraw
BankSA	Basic Variable Home Loan	6.94%	6.95%	$4,497	Redraw, Digital banking
POLICE CREDIT UNION LIMITED	Better Home Loan 80% LVR - Owner Occupied	6.94%	7.01%	$4,497	Digital banking, NPP, PayID, Redraw, Offset
POLICE CREDIT UNION LIMITED	Better Home Loan 90% LVR - Owner Occupied	6.94%	7.01%	$4,497	Digital banking, NPP, PayID, Redraw, Offset
QBANK	Classic Home Loan	6.94%	6.96%	$4,497	Redraw
Cairns Bank	CLASSIC HOME LOAN VARIABLE >90 LVR PI	6.94%	6.40%	$4,497	Redraw
HUME BANK LIMITED	liteBlue O/Occ P+I (90%-95% LVR)	6.94%	6.95%	$4,497	Digital banking, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ I/O (60.01 - 80.00% LVR)	6.94%	6.66%	$4,497	Redraw, Digital banking, Offset
Newcastle Permanent	Real Deal Home Loan Principal and Interest	6.99%	7.03%	$4,519	Redraw, Digital banking
MACARTHUR CREDIT UNION LTD	LOW LVR OOC P&I	6.99%	7.06%	$4,519	Redraw
AMB Bank Product	Construction Loan	6.99%	7.02%	$4,519
AMB Bank Product	RateSaver Home Loan	6.99%	7.02%	$4,519	Redraw
CENTRAL WEST CREDIT UNION LTD	Minimiser Home Loan	7.04%	7.10%	$4,542	Redraw, Digital banking
Defence Bank Limited	Ultimate Essentials I/O Con	7.04%	7.13%	$4,542	Offset, Digital banking
QBANK	Classic Plus Home Loan	7.04%	7.31%	$4,542	Offset, Redraw
Defence Bank Limited	Ultimate Essentials Variable	7.04%	7.13%	$4,542	Digital banking, Offset, Redraw
AMB Bank Product	DHOAS Value Home Loan	7.04%	7.07%	$4,542	Offset, Redraw
AMB Bank Product	DHOAS Standard Variable Home Loan	7.04%	7.07%	$4,542	Redraw, Offset
AMP - My AMP	AMP Essential Home Loan	7.04%	7.07%	$4,542	Redraw
Cairns Bank	PLUS HOME LOAN VARIABLE >90 PI	7.04%	6.71%	$4,542	Redraw, Offset
HUME BANK LIMITED	liteBlue O/Occ I/O (80%-90% LVR)	7.04%	6.78%	$4,542	Digital banking, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ P+I (90.01 -95.00% LVR)	7.04%	7.04%	$4,542	Redraw, Digital banking, Offset
Westpac	Flexi First: Our lowest online variable home loan rate (Owner Occupied)	7.09%	7.10%	$4,565	Redraw, Digital banking
Bank of us	FLEXICHOICE HOME LOAN	7.11%	7.32%	$4,574	NPP, Redraw, Digital banking, Offset
NRMA Insurance	NRMA Offset Home Loan	7.13%	7.33%	$4,584	Offset, Redraw
Bendigo Bank	Bendigo Complete Home Loan	7.13%	7.35%	$4,584	Offset, Redraw
Bendigo Bank	Bendigo Flex Home Loan	7.13%	7.30%	$4,584	Offset, Redraw
Bendigo Bank	Bendigo Flex Home Loan (Retail)	7.13%	7.33%	$4,584	Offset, Redraw
Defence Bank Limited	Ultimate Essentials I/O	7.14%	7.23%	$4,588	Offset, Digital banking
Tiimely	Tiimely Offset Home Loan	7.14%	7.30%	$4,588	Offset, Redraw
HUME BANK LIMITED	myBlue Variable O/Occ I/O (80.01-90.00% LVR)	7.14%	6.86%	$4,588	Redraw, Digital banking, Offset
CENTRAL WEST CREDIT UNION LTD	Smart Home Loan	7.15%	7.21%	$4,593	Redraw, Offset, Digital banking
CENTRAL WEST CREDIT UNION LTD	Smart Fixed Rate Home Loan 2 year	7.15%	7.15%	$4,593	Digital banking, Redraw
CENTRAL WEST CREDIT UNION LTD	Smart Fixed Rate Home Loan 1 year	7.15%	7.15%	$4,593	Digital banking, Redraw
Health Professionals Bank	Your Way Plus Home Loan	7.19%	7.48%	$4,611	Redraw, Digital banking, Offset
Health Professionals Bank	Your Way Home Loan	7.19%	7.26%	$4,611	Redraw, Digital banking
Regional Australia Bank	Regional Australia Bank Home Loan (Non Offset)	7.19%	7.22%	$4,611	Redraw
UniBank	Your Way Plus Home Loan	7.19%	7.48%	$4,611	Redraw, Digital banking, Offset
UniBank	Your Way Home Loan	7.19%	7.26%	$4,611	Redraw, Digital banking
Bank First Production	Complete Home Loan Owner Occupied Construction Variable LVR 80-90%	7.19%	7.02%	$4,611	Offset, PayID, Digital banking, Redraw
AMB Bank Product	Standard Variable Home Loan	7.19%	7.23%	$4,611	Redraw, Offset
AMB Bank Product	Value Home Loan	7.19%	7.23%	$4,611	Offset, Redraw
BankWAW	Flexible Choice Owner Occupied	7.24%	7.29%	$4,634	Redraw, Offset
Liberty Financial	Low doc home loan	7.24%	7.51%	$4,634	Redraw, Offset
CENTRAL MURRAY CREDIT UNION LIMITED	HOUSING LOAN (CODE) - Owner Occupied - Variable Interest - Principal and Interest	7.24%	7.30%	$4,634	Offset, Redraw
AMP - My AMP	AMP Superedge Loan	7.24%	7.61%	$4,634	Offset, Digital wallet, Digital banking
Credit Union SA	Variable Home Loan Package Principal and Interest	7.24%	7.59%	$4,634	Redraw, Offset, Digital banking
Bank First Production	Premier Package Home Loan Owner Occupied Variable LVR >80% <90%	7.28%	7.65%	$4,653	PayID, Redraw, Digital banking, Offset
Qantas Money	QANTAS Money Offset Home Loan	7.28%	7.50%	$4,653	Offset, Redraw
MACARTHUR CREDIT UNION LTD	LOW LVR INV P&I HOME LOAN	7.29%	7.36%	$4,657	Redraw
Bank First Production	Basic Home Loan Variable LVR>90%	7.29%	7.34%	$4,657	Redraw, PayID, Digital banking
Credit Union SA	Discounted Variable Rate Home Loan Principal and Interest	7.29%	7.32%	$4,657	Redraw, Digital banking
ANZ	ANZ Simplicity PLUS	7.34%	7.34%	$4,680	Digital banking, Redraw
Newcastle Permanent	Premium Plus Package Variable Home Loan Principal and Interest	7.35%	7.67%	$4,685	Digital banking, Offset, Redraw
Aussie Home Loans	Aussie Elevate Offset Home Loan	7.39%	7.56%	$4,704	Offset, Redraw
ME Bank	ME Bank CompleteME Home Loan	7.39%	7.75%	$4,704	Offset, Digital banking, Redraw
Liberty Financial	Fresh start home loan	7.39%	7.73%	$4,704	Redraw
Bank First Production	Complete Home Loan Owner Occupied Variable LVR >90%	7.39%	7.44%	$4,704	Digital banking, Redraw, PayID, Offset
Connective Select Home Loans	Connective Select Offset Home Loan	7.39%	7.56%	$4,704	Offset, Redraw
BNK Bank (Goldfields Money/BCHL)	Prime Alt Doc Jumbo (BNK)	7.39%	7.46%	$4,704	Offset, Digital banking, Redraw
AFG Home Loans Alpha	AFG Alpha Offset Home Loan	7.39%	7.56%	$4,704	Offset, Redraw
Regional Australia Bank	Regional Australia Bank Home Loan (Offset)	7.40%	7.43%	$4,708	Offset, Redraw
UniBank	Your Way Home Loan	7.44%	7.36%	$4,727	Redraw, Digital banking
THE CAPRICORNIAN	Premium Choice Home Loan	7.45%	7.50%	$4,731	PayID, NPP, Digital banking, Offset, Redraw
ANZ	ANZ Standard Variable home loan	7.49%	7.49%	$4,750	Digital banking, Redraw, Offset
Credit Union SA	Standard Variable Rate Home Loan Principal and Interest	7.49%	7.54%	$4,750	Offset, Redraw
AMP - My AMP	Professional Package	7.52%	7.92%	$4,764	Redraw, Offset, Digital wallet, Digital banking
Bank First Production	Premier Package Home Loan Owner Occupied Construction Variable LVR 80-90%	7.53%	7.68%	$4,769	Offset, PayID, Digital banking, Redraw
My State PM Production	Basic Variable Loan	7.54%	7.57%	$4,773	Redraw, Digital banking
My State PM Production	Special Residential Variable Loan	7.54%	7.59%	$4,773	Digital banking, Offset, Redraw
HUME BANK LIMITED	liteBlue O/Occ I/O (90%-95% LVR)	7.54%	7.23%	$4,773	Digital banking, Redraw
CENTRAL WEST CREDIT UNION LTD	Mortgage Equity Loan	7.60%	9.02%	$4,801	Redraw, Digital banking
Bank First Production	Complete Home Loan Owner Occupied Construction Variable LVR>90%	7.64%	7.47%	$4,820	PayID, Digital banking, Redraw, Offset
HUME BANK LIMITED	myBlue Variable O/Occ I/O (90.01 -95.00% LVR)	7.64%	7.31%	$4,820	Redraw, Digital banking, Offset
NORTHERN INLAND CREDIT UNION LTD.	Smart Home Loan Variable	7.69%	7.86%	$4,843	Redraw, Offset, Digital banking
CENTRAL MURRAY CREDIT UNION LIMITED	HOUSING LOAN (CODE) - Owner Occupied - Variable Interst - Principal and Interest - LVR > 80%	7.74%	7.81%	$4,867	Offset, Redraw
POLICE CREDIT UNION LIMITED	Standard Variable Home Loan 80% LVR - Owner Occupied	7.74%	7.81%	$4,867	Offset, Redraw, NPP
POLICE CREDIT UNION LIMITED	Standard Variable Home Loan 90% LVR - Owner Occupied	7.74%	7.81%	$4,867	NPP, Offset, Redraw
TRANSPORT MUTUAL CREDIT UNION LTD	HOME EQUITY LOAN	7.74%	7.85%	$4,867	Redraw
Bank First Production	Premier Package Home Loan Owner Occupied Variable LVR >90%	7.78%	8.15%	$4,886	Redraw, Offset, PayID, Digital banking
Bank of Queensland	BOQ Essential Home Loan	7.82%	7.84%	$4,905	Digital banking, Redraw
MACARTHUR CREDIT UNION LTD	BASIC VARIABLE LOAN OWNER OCCUPIED P&I >750K	7.87%	7.94%	$4,928	Redraw, Digital banking, PayID, NPP
Greater Bank	Ultimate Packaged Home Loan - Variable Owner Occupied	7.91%	8.26%	$4,947	Digital banking, Redraw, Offset
MACARTHUR CREDIT UNION LTD	BASIC VARIABLE LOAN OWNER OCCUPIED P&I 500K TO 750K	7.97%	8.04%	$4,975	Redraw, Digital banking, PayID, NPP
CommBank	Standard Variable Rate Home Loan (Owner Occupied)	7.99%	8.35%	$4,985	Redraw, Offset, Digital banking
CommBank	Simple Home Loan (Owner Occupied)	7.99%	8.13%	$4,985	Redraw, Offset, Digital banking
Virgin Money Australia	Virgin Money Lite Home Loan	8.02%	8.04%	$4,999	Digital banking, Redraw
Bank First Production	Premier Package Home Loan Owner Occupied Construction Variable LVR>90%	8.03%	8.17%	$5,004	PayID, Redraw, Offset, Digital banking
MACARTHUR CREDIT UNION LTD	BASIC VARIABLE LOAN OWNER OCCUPIED P&I 250K TO 500K	8.07%	8.14%	$5,023	Redraw, Digital banking, PayID, NPP
THE CAPRICORNIAN	Access Equity Home Loan	8.09%	8.14%	$5,032	PayID, NPP, Digital banking, Redraw
BNK Bank (Goldfields Money/BCHL)	Prime Alt Doc (BNK)	8.09%	8.17%	$5,032	Offset, Digital banking, Redraw
Greater Bank	Great Rate Home Loan - Variable Owner Occupied	8.11%	8.12%	$5,042	Digital banking, Redraw
MACARTHUR CREDIT UNION LTD	BASIC VARIABLE LOAN OWNER OCCUPIED P&I	8.17%	8.24%	$5,070	Redraw, Digital banking, PayID, NPP
MACARTHUR CREDIT UNION LTD	MORTGAGE OFFSET OWNER OCCUPIED P&I	8.17%	8.24%	$5,070	Redraw, Digital banking, NPP, PayID, Offset
AMP - My AMP	Land Loan	8.20%	8.26%	$5,085	Redraw, Digital banking
BOQ Specialist	Basic Home Loan	8.27%	8.45%	$5,118	Redraw
HORIZON BANK	HANDYLOAN	8.39%	8.39%	$5,176	Digital banking, PayID, NPP, Digital wallet
Virgin Money Australia	Virgin Money Loaded Home Loan	8.41%	8.68%	$5,185	Offset, Digital banking, Redraw
Bank of Queensland	BOQ Plus Home Loan	8.49%	8.76%	$5,224	Digital banking, Redraw
My State PM Production	Standard Variable Loan	8.62%	8.68%	$5,287	Digital banking, Offset, Redraw
Bank of China	Standard Variable Rate Home Loan	8.64%	8.71%	$5,296	Redraw, Digital banking
BNK Bank (Goldfields Money/BCHL)	Gold Prime Residential Special Home Loans	8.64%	8.67%	$5,296	Offset, Redraw, Digital banking
The Mutual Bank	Express Credit Facility	8.89%	8.89%	$5,418	PayID, NPP, Digital banking, Digital wallet
ANZ Plus	ANZ Plus Home Loan Variable	8.89%	8.89%	$5,418	Redraw, Offset, Digital banking
Judo Bank	Home Loan	8.90%	8.92%	$5,423	Redraw
Westpac	Premium Options Home Loan	9.08%	9.08%	$5,511	Redraw
Liberty Financial	Low deposit home loan	9.14%	9.89%	$5,540	Offset, Redraw
IMB Bank	Standard Variable Home Loan	9.21%	9.28%	$5,574	Offset, Digital banking, Redraw
THE CAPRICORNIAN	Mortgage Plus Home Loan	9.23%	9.23%	$5,584	Digital banking, Digital wallet, PayID, NPP
Bank of Melbourne	Variable Home Loan with Offset	9.34%	9.48%	$5,639	Offset, Redraw, Digital banking
BankSA	Variable Home Loan with Offset	9.35%	9.49%	$5,644	Offset, Redraw, Digital banking
St. George Bank	Variable Home Loan with Offset	9.36%	9.50%	$5,648	Offset, Redraw, Digital banking
Westpac	Rocket Loan: Variable Home Loan with Offset (Owner Occupied)	9.38%	9.52%	$5,658	Redraw, Offset, Digital banking
UNITY BANK	Retirees Access Home Loan	9.50%	9.60%	$5,718	Redraw, PayID, NPP, Digital banking
Arab Bank Australia Ltd Prod	The Basics Home Loan	9.54%	9.67%	$5,738	Redraw, Digital banking
Arab Bank Australia Ltd Prod	Basics Home Loan Special Offer	9.54%	9.67%	$5,738	Digital banking, Redraw
Bank of Melbourne	Relocation Loan without end	9.63%	9.45%	$5,782
Bank of Melbourne	Relocation Loan with end	9.63%	9.45%	$5,782
Arab Bank Australia Ltd Prod	Essentials Home Loan Special Offer	9.64%	9.69%	$5,787	Digital banking, Redraw, Offset
Arab Bank Australia Ltd Prod	Essentials Home Loan	9.64%	9.69%	$5,787	Redraw, Digital banking, Offset
BankSA	Relocation Loan with end	9.64%	9.46%	$5,787
BankSA	Relocation Loan without end	9.64%	9.46%	$5,787
St. George Bank	Relocation Loan without end	9.65%	9.47%	$5,792
St. George Bank	Relocation Loan with end	9.65%	9.47%	$5,792
BOQ Specialist	Plus Home Loan	9.69%	9.69%	$5,812
BOQ Specialist	Home Loan Banking Package	9.87%	10.33%	$5,902
A-Auswide Bank	HOME LOAN PLUS	10.01%	10.17%	$5,973	Offset, Redraw, NPP, PayID
NAB	NAB FlexiPlus Mortgage	10.36%	10.36%	$6,149	Digital banking
Bank of Sydney	Home Equity Maximiser Owner Occupied	11.90%	11.90%	$6,942	Digital banking

Rates based on $680,000 owner-occupier P&I loan (80% LVR on $850K Brisbane median), 30-year term. Rates are indicative and subject to change. "Lowest" = the lowest rate on our live CDR feed at the time of viewing, across the lenders we display, excluding products restricted to particular professions, first home buyers or government schemes. Each lender's eligibility criteria still apply and the lowest rate may not be available to you. Rates update daily and not all lenders are included, so other products may be lower. Source: Consumer Data Right (CDR), lender websites. Last updated: 2 November 2026. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Savings example: On Brisbane’s ~$680,000 median new loan over 30 years, cutting your rate by 0.60% saves about $260/month.

0 lenders included

Live CDR rates

Save up to $1,358/year* by switching home loan

Compare your current rate against the lowest variable rate on our live Consumer Data Right feed - 5.93% p.a. across 70+ Australian lenders.

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*Illustrative only. Based on a $650,000 loan over 30 years moving from 6.20% (RBA average rate on outstanding owner-occupier variable loans, August 2026) to 5.93%, the lowest broadly available variable rate on our CDR feed. Lender eligibility criteria apply and it may not be available to you. Annual difference in principal and interest repayments (paid monthly), before fees and switching costs - not a projection over the loan term. Actual savings depend on your loan details and lender assessment.

Queensland Home Loan Calculators

Estimate your borrowing power and repayments. Defaults are tuned to a typical QLD home loan of $680,000.

Borrowing Power Calculator

Estimate how much you could borrow based on your income and expenses. Factors in APRA's 3% serviceability buffer.

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Repayment Calculator

Calculate your monthly, fortnightly or weekly home loan repayments and total interest paid on a QLD home loan.

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Offset accounts work harder in Queensland: Parking $50,000 in a 100% offset against a Brisbane-sized $680,000 loan at our lowest variable rate of 5.93% (lender eligibility criteria apply) trims interest by roughly $2,965/year while keeping the cash fully accessible - and shaves around 3 years off a 30-year term if left untouched. Try it in the repayment calculator below.

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QLD home loan rates - made simple.

Compare home loan products available to QLD buyers from 70+ Australian lenders. Indicative rates, fees and features in minutes - comparing on this site has no impact on your credit score.

Queensland Property Market Overview

Queensland is Australia's fastest-growing property market, driven by the strongest interstate migration of any state, Olympic 2032 infrastructure investment, and relative affordability compared to Sydney and Melbourne. In 2026, Brisbane has emerged as a top-performing capital city with annual growth of approximately 10%.

Brisbane Metro snapshot

Median house price: ~$850,000
Median unit price: ~$560,000
12-month growth: +10.2%
Average days on market: 22 days
Auction clearance rate: ~58%

Source: CoreLogic, Domain, September 2026

Regional Queensland snapshot

Median house price: ~$550,000
12-month growth: +7.5%
Key growth areas: Gold Coast, Sunshine Coast, Townsville
Average days on market: 25 days
Interstate migration (net): Strongest nationally

Source: CoreLogic, ABS Regional Population, 2026

Key Queensland growth corridors

In 2026, Queensland's growth is broadly based across multiple corridors. The Gold Coast (median ~$950K) and Sunshine Coast (median ~$900K) continue to attract lifestyle buyers and interstate migrants. Within Greater Brisbane, the western corridor (Springfield, Ipswich, Ripley Valley) and northern corridor (Moreton Bay, Caboolture, North Lakes) are delivering strong growth from new housing supply. Townsville and Cairns in North Queensland are experiencing renewed interest driven by defence spending and mining sector recovery. The Brisbane 2032 Olympics is accelerating infrastructure investment in Woolloongabba, Northshore Hamilton, and across South East Queensland.

Queensland Stamp Duty Rates and Thresholds

In Queensland, stamp duty (transfer duty) is calculated on a sliding scale. Queensland offers some of the most generous first home buyer stamp duty concessions in Australia - first home buyers pay no stamp duty on new homes (contracts from 1 May 2025, no value cap) and receive concessions on established homes up to $800,000 (full up to $700,000).

Property Value	Stamp Duty Rate
Up to $5,000	Nil
$5,001-$75,000	$1.50 per $100 (above $5,000)
$75,001-$540,000	$1,050 + $3.50 per $100 (above $75,000)
$540,001-$1,000,000	$17,325 + $4.50 per $100 (above $540,000)
$1,000,001-$5,000,000	$38,025 + $5.75 per $100 (above $1,000,000)
Over $5,000,000	$268,025 + $7.25 per $100 (above $5,000,000)

Up to $5,000

Nil

$5,001-$75,000

$1.50 per $100 (above $5,000)

$75,001-$540,000

$1,050 + $3.50 per $100 (above $75,000)

$540,001-$1,000,000

$17,325 + $4.50 per $100 (above $540,000)

$1,000,001-$5,000,000

$38,025 + $5.75 per $100 (above $1,000,000)

Over $5,000,000

$268,025 + $7.25 per $100 (above $5,000,000)

First home buyer concessions

No stamp duty on new homes up to $750,000
Concession on established homes up to $700,000
Vacant land concession up to $400,000
Must live in the property for 1 year

Foreign buyer surcharges

8% AFAD (Additional Foreign Acquirer Duty)
Additional 2% foreign land tax surcharge
Applies to foreign individuals, corporations, and trusts

Source: Queensland Revenue Office, 2026

First home buyer advantage: A standard buyer on a $500K Brisbane property pays approximately $15,925 in transfer duty - QLD first home buyers pay $0 up to $500K, and new-home buyers can also stack the $30,000 FHOG for $45,925 in combined benefits.

Queensland Government Grants & Schemes for Home Buyers

First Home Owner Grant (FHOG)

In Queensland, the First Home Owner Grant is $30,000 - the highest on mainland Australia. The grant applies to eligible first home buyers purchasing or building a new home valued under $750,000.

Grant amount: $30,000
Property value cap: $750,000
Eligibility: New homes only
Residency requirement: 6 months continuous

First Home Guarantee (Federal)

The federal First Home Guarantee allows eligible first home buyers in Queensland to purchase with as little as a 5% deposit without paying Lenders Mortgage Insurance. The government guarantees up to 15% of the property value.

Places (nationally): 35,000/year
Min deposit: 5%
Price cap (Brisbane): $700,000
Price cap (regional QLD): $550,000

Help to Buy (Federal)

The Help to Buy shared equity scheme allows eligible buyers to purchase with as little as a 2% deposit. The government co-owns up to 40% of a new home or 30% of an existing home, reducing the mortgage size and repayments.

Places (nationally): 40,000/year
Min deposit: 2%
Income cap (single): $90,000
Income cap (couple): $120,000

Olympics 2032 Impact

The Brisbane 2032 Olympics is driving unprecedented infrastructure investment across South East Queensland. Major projects including Cross River Rail ($7.1B), Brisbane Metro snapshot, Gabba redevelopment, and athletes' village construction are creating employment and driving property demand in key corridors.

Infrastructure spend: $20B+ planned
Key precincts: Woolloongabba, Hamilton, Gold Coast
Expected impact: Long-term price growth

Choosing a Home Loan Lender in Queensland

Major banks in Queensland

All four major Australian banks - CommBank, Westpac, ANZ, and NAB - have extensive branch networks across Queensland. Suncorp, headquartered in Brisbane, is a major Queensland institution with strong local presence and competitive rates. Bank of Queensland (BOQ) is another locally headquartered option popular with Queensland borrowers.

Full QLD postcode coverage including North Queensland
Suncorp & BOQ headquartered in Brisbane
Strong branch coverage in regional QLD

Online lenders in Queensland

Online lenders offer the lowest rates available to Queensland borrowers. Unloan and Athena both lend across all QLD postcodes. These lenders typically offer rates 0.20-0.40% below major bank rates, saving $1,400-$2,700 per year on a $680,000 loan.

Unloan

From 6.44% (6.35% comparison rate*)

CommBank-backed

Athena

From 6.04% (6.04% comparison rate*)

Auto-rate match

Suncorp

From 6.14% (6.14% comparison rate*)

QLD-headquartered

Regional Queensland lending

Most lenders cover all Queensland postcodes, but some apply restrictions for mining-dependent towns (e.g., Moranbah, Emerald, Gladstone) where property values can be volatile. Properties in flood-prone areas may attract higher insurance requirements and stricter lending criteria. The Gold Coast and Sunshine Coast are fully serviced by all lenders. North Queensland cities including Townsville, Cairns, and Mackay have full access to major bank and online lender products. Heritage Bank and RACQ Bank are popular Queensland-based alternatives for regional borrowers.

Broker vs direct in Queensland

Approximately 70% of Australian home loans are arranged through mortgage brokers. In Queensland, brokers can be particularly valuable for navigating the generous FHOG ($30K) and stamp duty concessions, and for accessing lenders with competitive rates across diverse property types from inner-city Brisbane apartments to acreage lots. Brokers access 30-40 lenders and can negotiate on your behalf. Direct applicants may get slightly lower rates from some online lenders (e.g., Unloan is direct-only). Consider both channels for the best outcome.

$850K

Brisbane median house price

Source: CoreLogic, September 2026

$30K

QLD First Home Owner Grant

Highest on mainland Australia

+10.2%

Brisbane 12-month price growth

Source: CoreLogic, September 2026

Frequently Asked Questions - Home Loans in Queensland

Common questions about buying a home and getting a home loan in Queensland.

Rates & Borrowing in Queensland

What is the average home loan interest rate in Queensland in 2026?

Which banks offer the best home loan rates in Queensland?

How much deposit do I need for a home in Brisbane?

Grants, Stamp Duty & Costs

What is the Queensland First Home Owner Grant?

What government grants are available for first home buyers in Queensland?

What is stamp duty on an $850,000 property in Queensland?

What are the hidden costs of buying a home in Queensland?

Buying in Queensland

What is the median house price in Brisbane in 2026?

Can I get a home loan for regional Queensland?

How will the 2032 Olympics affect Brisbane property prices?

Is it cheaper to buy in Queensland than in Sydney or Melbourne?

Related Queensland Guides & Resources

Complete Home Loan Guide

Everything you need to know about Australian home loans.

Home Loans Australia

National home loan comparison.

First Home Buyers QLD

$30K grant, schemes & tips.

Refinance QLD

Switch & save on your QLD loan.

Green Home Loans QLD

Lower rates for energy-efficient homes.

Compare Home Loans in Other States

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