Need an easy to manage first home loan?
Your first home loan is a major decision. From first buyer grants, contracts and paperwork, we’re here to help.
Or simply call us on 📞 1800 774 756
Your local team of first home loan specialists
1. Expert brokers on your side
Banks knock back home loan applications every day - often for reasons that could’ve been avoided. At Cube, you’ve got a team of 11 expert brokers on your side, each with their own area of specialty across home loans, investment lending, business finance and more. We’ll help you cut through the red tape and improve your changes of approval.
2. Tailored to your needs
Every loan is different, and what someone else needs is likely not what you need. We search 1000's of loan options to find the right loan for your needs, simply get in touch here.
3. We're here now, and later
Your home loan is an investment that requires ongoing maintenance, including regular check-ups to make sure you have the best home loan rates. We stay ahead of this for you.
4. Local experts, trusted by many
We’re proud to be a local team, with over 200 glowing Google reviews from people who’ve trusted us with their finance journey.
We help our first home loan clients by helping remove the stress - and helping you get a better deal. Simply contact Scott or Nevada today if you need help:
Scott Beattie
Founder/Co-Owner · Mortgage Broker
Scott loves helping First Home Buyers and helpings Australians save money through refinancin
Nevada Matthews
Co-Owner · Mortgage Broker
Nevada loves working with property investors and business owners
We compare loan options from over 60 leading lenders to find what suits you
✔ We do the loan rate shopping and negotiations
✔ Access to major banks and specialist lenders
✔ We simplify everything
Cube Loans are a multi-award winning brokerage
What government grants or incentives are available for first home buyers in Queensland?
First home buyers in Queensland may be eligible for several government incentives, including:
- First Home Owner Grant (FHOG): A one-time payment of $30,000 (as of 2024) for new homes valued under $750,000. This includes newly built homes, off-the-plan purchases, and substantial renovations.
- Stamp Duty Concessions: First home buyers purchasing a home valued under $500,000 may qualify for a full exemption from stamp duty. Concessions also apply up to $550,000 on a sliding scale.
- First Home Guarantee (under the Home Guarantee Scheme): Allows eligible first home buyers to purchase with as little as 5% deposit, without paying Lenders Mortgage Insurance (LMI), subject to property price caps and other criteria.
Cube Loans can help you determine your eligibility and guide you through the application process for these grants and schemes.
How much deposit do I need to buy my first home in Queensland?
Traditionally, lenders prefer a 20% deposit, but first home buyers can often get into the market with as little as:
- 5% deposit with the First Home Guarantee
- 10% deposit for other loan products with LMI
Cube Loans can also assist with low deposit loan options and help you calculate your borrowing power based on your income, debts, and credit score.
Working with a Cube Loans broker ensures you're matched with a lender that suits your financial situation and goals.
Can I use my superannuation to help buy my first home?
Yes – under the First Home Super Saver (FHSS) Scheme, eligible first home buyers can withdraw voluntary super contributions to help fund their deposit:
- Up to $15,000 per year and a maximum of $50,000 total
- Includes both voluntary concessional and non-concessional contributions
- The FHSS Scheme allows you to benefit from the tax advantages of super while saving for your home
Cube Loans can work alongside your accountant or financial planner to help you leverage this strategy effectively.
How do I get started with applying for a first home loan?
Getting started is easier than you think:
Book a free consultation with a Cube Loans broker – online, over the phone, or in-person.
1. Review your finances – we’ll help assess your income, expenses, credit score, and any existing debts.
2. Determine your borrowing power and eligibility for government grants.
3. Compare loan options from over 30 lenders to find the best fit for you.
4. Get pre-approved so you can shop with confidence.
5. Support through to settlement – we manage the paperwork and negotiation with lenders.
Cube Loans is with you every step of the way to make your first home purchase smooth and stress-free.