In 2026, Logan, QLD buyers have genuine choice between units and houses — and understanding the financial difference between them can save you tens of thousands of dollars in the right direction. Whether you're a first home buyer working within the $750,000 FHOG cap, an investor comparing rental yields, or an upgrader weighing maintenance costs against space, your property type choice affects everything from your deposit requirements to your loan structure.

The decision goes beyond personal preference. Unit buyers in Logan can access established areas like Logan Central - Eagleby or Loganholme at significantly lower price points, while house buyers get land ownership and no body corporate fees. Your lender choice matters too — some lenders assess units differently, particularly for investment loans or if you're buying off-the-plan.

Cube Loans helps Logan, QLD buyers compare both property types and loan options across 60+ lenders, completely free of charge.

Here's what you need to know before choosing between a unit and house in Logan, QLD.

What are the main financial differences between buying a unit vs house in Logan, QLD?

Units typically cost $200,000 to $400,000 less than houses in the same Logan suburb, but they come with ongoing body corporate fees averaging $2,000 to $4,000 annually. Houses give you full land ownership with no strata fees, but require higher deposits and larger loans. The choice affects your borrowing capacity, ongoing costs, and which government schemes you can access.

Which government schemes work better for units vs houses?

• First Home Owner Grant (FHOG) :$30,000 for new builds only (before 30 June 2026), regardless of property type. Both new units and houses under $750,000 qualify.
• First Home Guarantee: 5% deposit, no LMI, up to $1,000,000 in Logan, QLD. Works for both units and houses — units offer more suburb choice within this cap.
• Family Home Guarantee: 2% deposit for single parents. Same $1,000,000 cap applies to both property types.
• QLD Transfer Duty:$0 on new homes of any price from 1 May 2025. Established homes up to $700,000 pay no stamp duty — units offer more choice in this bracket.

• Cube Loans Not sure which property type fits your budget and goals? Your choice affects borrowing capacity, government schemes, and ongoing costs. A free chat with a Logan mortgage broker gives you a clear picture — no commitment, no pressure. Free 15-min chat 60+ lenders No obligation Book a free chat today →

How do Logan mortgage brokers help you choose between units and houses?

Step 1: Talk to us

Get in touch and we'll assess your budget, deposit, and goals to determine which property type gives you the strongest start in Logan, QLD.

Step 2: Compare your borrowing capacity for each property type

We calculate what you can borrow for units vs houses, factoring in body corporate fees for unit purchases and the higher loan amounts typically needed for houses.

Step 3: Identify suitable suburbs for your property choice

We match your budget to Logan suburbs where your preferred property type is available and growing in value.

Step 4: Compare lender policies for your property type

Some lenders assess units differently — particularly off-the-plan purchases or buildings with high investor ratios. We identify which lenders offer the best terms.

Step 5: Structure your loan for lowest cost

We arrange pre-approval with terms that suit your property choice, ensuring you can move quickly when you find the right place.

Step 6: Support through to settlement

We coordinate with your solicitor, real estate agent, and lender to ensure a smooth purchase process for either property type.

What mistakes do Logan buyers make when choosing units vs houses?

The biggest mistake is choosing based on emotion before understanding the numbers. Your property type affects your borrowing capacity, ongoing costs, and resale potential — decisions that cost tens of thousands if you get them wrong.

Many buyers also assume units are automatically more affordable. While the purchase price is typically lower, body corporate fees of $2,000 to $4,000 annually add to your holding costs. Some buyers don't factor this into their serviceability assessment and find their borrowing capacity is lower than expected.

How do unit vs house prices compare across Logan suburbs?

The gap varies significantly by suburb. In Logan Central , units average $441,000 while houses average $720,000 — a $279,000 difference that opens up different loan structures and deposit requirements. In Eagleby , the gap is smaller: units at $555,000 versus houses at $713,500.

For first home buyers working within the FHOG $750,000 cap, units provide more choice. First home loan eligibility often depends on staying within these price brackets, where unit purchases offer the strongest selection across Logan suburbs.

• Cube Loans Ready to find out which property type suits your budget? We compare loans from 60+ lenders across Logan, QLD. Free service, no cost to you. Free 15-min chat 60+ lenders No obligation Book a free chat today →

Frequently Asked Questions

Do lenders treat unit and house purchases differently?

Most lenders assess both property types the same way, but some apply stricter criteria to units — particularly off-the-plan purchases or buildings with high investor ratios. We identify lenders who offer the most favourable terms for your property type.

Which is better for first home buyers — a unit or house?

Units typically offer lower entry prices and more choice within government scheme price caps, while houses provide land ownership and no body corporate fees. Your income, deposit, and long-term plans determine which suits you best.

How much are body corporate fees in Logan units?

Body corporate fees typically range from $2,000 to $4,000 annually in Logan, depending on the building's facilities and age. Always factor these into your ongoing affordability assessment before purchasing.

Can I use the First Home Guarantee for both units and houses?

Yes — the First Home Guarantee works for both property types up to $1,000,000 in Logan, QLD. Units often provide more choice within this price cap across Logan suburbs.

Do units or houses grow in value faster in Logan?

Growth varies by suburb and market conditions rather than property type alone. As of April 2026, both Logan Central units (+26.00%) and Eagleby units (+13.27%) showed strong 12-month growth, while house growth varied by location.

Should I use a broker or go direct to my bank for unit vs house purchases?

A mortgage broker, every time. Some lenders have specific policies around units that can affect your approval or rate, and broker comparison ensures you find the lender best suited to your property choice.

What deposit do I need for units vs houses in Logan?

Standard loans require 20% deposit for both property types, but government schemes reduce this to 5% (First Home Guarantee) or 2% (Family Home Guarantee). The lower unit prices mean smaller deposit amounts even at the same percentage.

Your Next Steps

Your property type choice affects everything from your deposit requirements to your ongoing costs and resale potential. The difference between choosing well and choosing poorly can be tens of thousands of dollars — which is exactly what a broker comparison is designed to identify for your specific situation.

Ready to find out which property type and loan structure gives you the strongest start? Contact Scott Beattie or Nevada Matthews for a free consultation or call 1800 774 756. We'll assess your options across 60+ lenders and identify the best path forward for your budget and goals.

Cube Loans · Loganholme and Logan, QLD · General information only — this article does not constitute financial advice. Please consider your own circumstances and seek professional advice before making any financial decisions.