What stamp duty concessions apply for first home buyers in Queensland?

Queensland first home concessions depend on whether you buy an established home, a new home, or vacant land, and on dutiable value bands. Settings referenced on this hub include full concession thresholds for established homes and uncapped new/vacant concessions under current May 2025-era rules — confirm live eligibility and amounts on the Queensland Revenue Office before you rely on any figure.

Does Queensland offer a First Home Owner Grant?

Queensland offers a First Home Owner Grant for eligible new homes under published price caps. Grant amounts and temporary boosts can change — verify on the QRO first home grant page.

What are the Queensland First Home Guarantee (5%) price caps?

Published FHBG caps used on this hub: Brisbane & GC/Sunshine Coast $1,000,000; Other QLD $700,000. Confirm live caps on Housing Australia / firsthomebuyers.gov.au.

Is this personal credit advice?

No. This page is general information only. Credit assistance tailored to you happens after a proper conversation and assessment. Scheme eligibility is decided by the relevant government body and lender policy.

First home buyer · QLD

First home buyer guide for Queensland

Map deposit, Queensland transfer duty concessions, grants, and the federal 5% deposit scheme — then confirm every number on the Queensland Revenue Office and Housing Australia before you exchange.

Speak with a broker FHB calculator hub Call 0400 77 77 55

QLD quick reference

Illustrative cheat sheet only — verify on official calculators before exchange.

Established home — full duty: $0 duty ≤ $700k; First home concession (from 1 May 2025 rules)
Established — partial: $700,001 – $799,999; Sliding scale — not full $0
New home / vacant land: $0 duty (no cap); First home (new) concession from 1 May 2025
FHOG (new homes): Up to $30,000; New home ≤ $750k — verify QRO (boost may end mid-2026)
FHBG cap — Brisbane/GC: $1,000,000; Gold Coast & Sunshine Coast
FHBG cap — other QLD: $700,000; Regional & other areas
Cooling-off (private sale): 5 business days; Auction = unconditional
Pre-approval validity: ~90 days; Reconfirm before offer

Who this helps

Buyers comparing QLD established-home duty bands vs new/vacant concessions
Households checking FHBG 5% against Brisbane, Gold Coast, Sunshine Coast, or regional caps
Purchasers modelling funds to complete beyond the deposit
Queensland buyers who prefer remote broker support Australia-wide

How we work the file

Step 1
Confirm state + federal rules
Check duty and grant pages for your state, then FHBG caps on firsthomebuyers.gov.au for your property area.
Step 2
Model funds to complete
Deposit, duty, grants, LMI (if any), and settlement buffers in one ledger — estimates only until your scenario is assessed.
Step 3
Prepare the lending file
Income evidence, genuine savings story, and lender shortlist. You decide whether to apply.

Responsible lending applies. We do not guarantee approval, grants, stamp duty outcomes, or scheme eligibility.

Official QLD links

Common questions

Related hubs

Important information

The information on this website is general in nature only. It does not take into account your objectives, financial situation, or needs, and you should consider whether it is appropriate for you before acting on it.

Credit assistance and lending are subject to lender assessment, terms, conditions, fees, charges, and eligibility criteria. A loan product that suits one borrower may not suit another.

You should consider obtaining independent legal, financial, and taxation advice before making decisions about credit or property.

Ready to map a QLD first-home pathway?

Bishnu Adhikari — call 0400 77 77 55 or send an enquiry. General information only.

Speak with a broker Start your application WhatsApp message

Prefer the phone? 0400 77 77 55 — direct line to Bishnu Adhikari.