First home buyers Brisbane.
Queensland pays first home buyers a $30K grant on a new home under $750K, and charges no stamp duty on a new first home at any price. Add the federal 5% Deposit Scheme, and qualifying Brisbane first home buyers can get into a new home with less out of pocket than in most major capitals. Plus an Olympic-driven growth catalyst.
Four reasons Brisbane FHB is the best entry point.
Queensland's first home schemes stack well, prices are more accessible than Sydney and Melbourne, and the Olympic infrastructure tailwind is strong. Brisbane is having a moment for first home buyers.
A $30K grant on a new Queensland home
Queensland pays eligible first home buyers $30,000 toward a brand-new home valued under $750,000, land included (source: Queensland Revenue Office). For first home buyers happy to buy new or build, that is real money toward the deposit or moving costs.
No stamp duty on a new first home, at any price
Since 1 May 2025, eligible first home buyers pay no stamp duty on a brand-new home in Queensland, with no price cap. On an established home, the full concession applies up to $700,000 and a partial one up to $800,000 (source: Queensland Revenue Office). Add the grant and the federal 5% Deposit Scheme, and Queensland is one of the cheapest places in Australia to buy a first home, in a market with an Olympic growth catalyst.
Brisbane median is the most accessible major capital
Brisbane median dwelling values are meaningfully lower than Sydney/Melbourne (CoreLogic Home Value Index). Entry-level Brisbane stock under $600K is achievable in suburbs with genuine growth profiles (north Brisbane, Logan corridor, Moreton Bay). Same scheme thresholds buy more.
The federal 5% Deposit Scheme reaches $1M in Brisbane
Since 1 October 2025 the Australian Government 5% Deposit Scheme has no income caps and no limit on places, and its Brisbane price cap is $1,000,000 (source: Housing Australia). Stack it with Queensland's stamp duty concession, and an eligible first home buyer can buy a new Brisbane home with a 5 percent deposit and no stamp duty. Under $750,000, the $30,000 grant comes on top.
From renter to owner, four phases.
Position + scheme eligibility
Income, savings, target Brisbane region. We map QLD + federal schemes you qualify for and which combination delivers best outcome.
Finance through a licensed broker
We refer you to a licensed broker in our network, who picks a lender that accepts your scheme and property type. EWC takes no commission on your loan.
Find the property
Buyers agent support optional. Brisbane new-build for $30K FHOG, or established stock if preferred. Contracts include cooling-off, finance condition, flood-overlay search.
Settle + 12-month review
Conveyancing, settlement, key handover. 12-month review.
Six schemes worth knowing.
Australian Government 5% Deposit Scheme
5% deposit with no lenders mortgage insurance. No income caps and unlimited places since 1 October 2025. Price cap $1,000,000 in Brisbane, the Gold Coast and the Sunshine Coast, and $700,000 in the rest of Queensland (source: Housing Australia).
QLD First Home Owner Grant
$30,000 toward a brand-new home, or one you build, valued under $750,000 including the land, for contracts signed from 20 November 2023. You move in within a year and live there for at least 6 months (source: Queensland Revenue Office).
QLD first home stamp duty concession
New home: no stamp duty at any price for contracts from 1 May 2025, if you move in within a year of settlement. Established home: no duty up to $700,000 and a partial concession up to $800,000 (source: Queensland Revenue Office).
First Home Super Saver Scheme (FHSSS)
Release up to $50,000 of voluntary super contributions toward a deposit, counting up to $15,000 from any one year. Federal scheme, the same in Queensland as everywhere else (source: ATO).
Family guarantor loan
Parent's property equity as additional security. Removes LMI, can let you in with 5% or zero deposit.
Boost to Buy (Queensland)
Queensland Government shared equity for first home buyers: a 2% deposit, with the government taking a share of up to 30% of a new home or 25% of an established one, on homes up to $1,000,000. Income limits apply and places are limited (source: Queensland Treasury).
Scheme details from the Queensland Revenue Office, Queensland Treasury, Housing Australia and the ATO, checked November 2026. Thresholds change periodically; we confirm at engagement.
What Brisbane first-buyers ask us most.
What's the cheapest way to buy a first home in Brisbane?
Buy new and stack three things: the federal 5% Deposit Scheme (5% deposit, no lenders mortgage insurance), Queensland's stamp duty concession (no duty on a new first home at any price) and, on a new home under $750K, the $30K QLD grant. On a home under $750K, the grant can cover most or all of a 5% deposit.
Should I buy new build for the $30K QLD FHOG?
If the grant and the stamp duty saving make a real difference to your deposit, and you like what new homes offer (modern layouts, lower maintenance, master-planned communities), yes. The grant applies to new homes under $750K, and a new first home pays no stamp duty at any price. We model your options either way.
How does the federal 5% Deposit Scheme work in Brisbane?
5% deposit and no lenders mortgage insurance for eligible first home buyers. Since 1 October 2025 there are no income caps and no limit on places, and the Brisbane price cap is $1,000,000 (source: Housing Australia). Combine it with Queensland's stamp duty concession and, for new homes under $750K, the $30K grant.
What if my Brisbane property is in flood overlay?
Some QLD lenders restrict lending on flood-overlay properties; some lend with adjusted LVR. We check overlay early so the broker can match a lender that will lend on your specific property. Avoid serious flood-zone properties for first home, resale and insurance are both compromised.
Can I use the $30K QLD FHOG and the 5% Deposit Scheme together?
Yes, they stack. The grant is a Queensland payment for new homes under $750K; the 5% Deposit Scheme is a federal guarantee that removes lenders mortgage insurance. Both apply if you're eligible for each.
Can my first Brisbane home be an investment?
It has to be your home first. The grant needs you to move in within a year and live there for at least 6 months, the stamp duty concession can be reassessed if you sell or rent out the whole home within a year of moving in, and under the 5% Deposit Scheme the lender may charge lenders mortgage insurance if you move out while the guarantee is in place. After that, many buyers keep their first home as an investment when they upgrade.
How much do I need saved before approaching you?
Under the 5% Deposit Scheme the deposit is 5% of the price ($30K on a $600K home, $40K on an $800K home), plus legal and loan costs. A new first home pays no stamp duty, and a new home under $750K also gets the $30K grant toward it. An established home over $700K adds some stamp duty.
What if I'm self-employed?
More restrictive but doable. 1 to 2 years tax returns typically required. BAS-based income works at higher rates. A licensed broker in our network matches your file to the right lender.
Pair with finance + acquisition.
Buy your first Brisbane home with Queensland's first home schemes behind you.
Book a 15-minute Brisbane FHB call. We will map scheme eligibility, including the $30K FHOG.