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 growth potential, 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, as 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.

What government schemes work better for units vs houses in Logan, QLD?

The answer depends on the scheme, but units generally offer more choice within the price caps. Here's how the key schemes apply to each property type:

• › First Home Owner Grant (FHOG): $30,000 for new builds only, regardless of property type. Both new units and new houses under $750,000 qualify. The 2026-27 Queensland Budget confirmed the $30,000 continues for contracts signed from 1 July 2026.
• › First Home Guarantee (5% Deposit Scheme): 5% deposit with 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, no first home buyer requirement. The 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 also pay no duty; units offer more choice in this bracket. Note that from 1 August 2026, first-home concessions are limited to Australian citizens and permanent residents.
• › Queensland Boost to Buy: Shared equity scheme with a 2% deposit and government equity up to 25-30%. New and established homes only; off-the-plan and vacant land are not eligible. Limited places remain, with Unity Bank currently the only approved lender.

Like to know which banks & lenders work best for your unit or house purchase? Know where you really stand and what's possible, so you can plan with total confidence. 5-star rated Local experts Free service Talk to a broker → Prefer to talk now? Call 1800 774 756

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, and decisions made without the full picture can cost tens of thousands of dollars.

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 $610,000 versus houses at $755,000.

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.

Source: CoreLogic

Like to know which banks & lenders work best for your unit or house purchase? Know where you really stand and what's possible, so you can plan with total confidence. 5-star rated Local experts Free service Talk to a broker → Prefer to talk now? Call 1800 774 756

Frequently Asked Questions

Do lenders treat unit and house purchases differently in Logan, QLD?

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. A broker identifies which lenders offer the most favourable terms for your property type.

Which is better for first home buyers in Logan, QLD: 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 Logan buyers 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, QLD?

Growth varies by suburb and market conditions rather than property type alone. Logan Central units recorded 12-month growth of +26.00% and houses in Browns Plains grew +24.82%, showing that both property types can perform strongly depending on the suburb.

Should Logan buyers use a mortgage broker or go direct to their bank for unit or house purchases?

A mortgage broker, every time. Some lenders have specific policies around units that can affect your approval or rate, and broker comparison across 60+ lenders ensures you find the option best suited to your property choice and goals.

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

Standard loans require a 20% deposit for both property types, but government schemes reduce this to 5% under the First Home Guarantee or 2% under the 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.

The right answer depends on your income, deposit, goals, and the suburb you're targeting, and that's a conversation worth having. Talk to the Cube Loans team or call 1800 774 756, and we'll compare your options across 60+ lenders at no cost to you.

About the author Nevada Matthews Mortgage Broker and Co-Owner, Cube Loans Nevada Matthews is a mortgage broker and co-owner of Cube Loans, helping first home buyers, investors and business owners across Loganholme and the wider Logan region finance their goals. He started broking in 2019, joined Cube in 2020, and was named New Broker of the Year (QLD) in 2023. Operating under Cube Central Pty Ltd (Credit Representative 472851), authorised under Australian Credit Licence 517192, Nevada compares loans across a panel of 60+ lenders at no cost to the borrower. Meet Nevada → LinkedIn

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. · Last updated 3 July 2026