In 2026, first home buyers in Logan, QLD have access to one of the most generous stamp duty concession packages in Australia. Whether you are buying a new build in Beenleigh - Woodridge or an established home in Loganholme, the rules that apply to your purchase can mean tens of thousands of dollars saved before you make a single repayment.

The Queensland Government overhauled the new build exemption in May 2025, removing the price cap entirely for first home buyers purchasing new homes. That change, combined with the First Home Owner Grant and the First Home Guarantee, means the total assistance available to eligible Logan buyers has rarely been higher. The catch is timing: the FHOG steps down from $30,000 to $15,000 on 1 July 2026, and understanding how these schemes interact before you make an offer is what separates buyers who capture every dollar from those who leave money behind.

Cube Loans helps first home buyers across Logan, QLD work through stamp duty, the FHOG, and deposit options across 60+ lenders, completely free of charge.

Here is what you need to know before you sign anything.

How do Queensland stamp duty concessions work for first home buyers?

Queensland's stamp duty concessions operate on two separate tracks depending on whether you are buying a new or established home, and the rules differ significantly between the two. New builds and house-and-land packages bought by first home buyers are fully exempt from stamp duty as of 1 May 2025, with no price cap attached. A first home buyer purchasing a $1,200,000 new build pays exactly the same duty as one buying a $500,000 townhouse off the plan: nothing.

Established homes follow a different set of rules. If your purchase price is under $700,000, you pay no stamp duty. Between $700,001 and $800,000, a sliding-scale concession applies, meaning you pay a partial amount that rises as the price approaches $800,000. Above $800,000, the full transfer duty rate applies with no concession. For most established suburbs in Logan's mid-range, the $700,000 threshold is the number to understand before making an offer. Use Cube's stamp duty calculator to check the figure for your specific purchase price.

What government schemes help first home buyers in Logan, QLD?

• Queensland First Home Owner Grant:$30,000 for eligible first home buyers purchasing a new home under $750,000 before 30 June 2026. Drops to $15,000 from 1 July 2026. Established homes are not eligible.
• Queensland Transfer Duty Exemption (new builds): full exemption from stamp duty on any new home purchased by a first home buyer, effective from 1 May 2025. No price cap. Applies to house-and-land, townhouses and apartments off the plan.
• Queensland Transfer Duty Exemption (established homes): full exemption under $700,000; sliding-scale concession from $700,001 to $800,000; no concession above $800,000.
• First Home Guarantee (FHBG) : buy with a 5% deposit and no lenders mortgage insurance, up to a $1,000,000 price cap in Logan, QLD. Income caps were removed in October 2025.
• Queensland Boost to Buy: a shared equity scheme where the Queensland Government contributes up to 30% of the purchase price on new builds (25% on established) in exchange for a stake in the property. Minimum 2% deposit, price cap $1,000,000, income cap $150,000 for singles and $225,000 for households. Limited places — not universally available.
• Family Home Guarantee: for eligible single parents, including those who have owned property before. 2% deposit, no LMI, price cap $1,000,000 in Logan, QLD. Must be genuinely single — separated-not-divorced does not qualify.

Not sure if your purchase price unlocks the full exemption? A free chat with a Logan mortgage broker shows you exactly where you stand before you make an offer. Free service 5-star rated No obligation Book a free chat today →

Should I buy new or established as a first home buyer in Logan, QLD?

For most first home buyers focused on minimising upfront costs, new builds carry the stronger scheme stack. A new build under $750,000 in Logan, QLD can combine $0 stamp duty, the $30,000 FHOG (before 30 June 2026), and the First Home Guarantee's 5% deposit with no LMI all at once. An established home under $700,000 gives you $0 stamp duty and First Home Guarantee access, but the FHOG is off the table. That is a meaningful gap if capturing the grant matters to your timeline.

The trade-off is practical. New builds typically require a longer construction timeline, progress payments, and a construction loan structure rather than a standard home loan. Established homes are ready to move into and often available in suburbs where land supply is limited. A house bought well in a supply-constrained suburb can outperform a new build in a greenfield estate — the grant is not always worth chasing at the cost of buying in the wrong location. The decision is worth working through before you start attending open homes.

What mistakes do first home buyers make with stamp duty in Logan, QLD?

The most common mistake is treating the FHOG and the stamp duty exemption as the same thing. They are separate schemes with separate eligibility rules. You can qualify for $0 stamp duty on an established home under $700,000 and still receive no FHOG, because the grant applies to new homes only. Buyers who assume the grant is included in their established-home purchase are consistently caught short when it comes time to show the lender their genuine savings.

The second mistake is not accounting for the $750,000 FHOG cap on a new build. A buyer purchasing a $780,000 new home pays $0 stamp duty — the new-build exemption has no cap — but receives no FHOG because the purchase price exceeds $750,000. The two rules come from different legislation and have different thresholds. Knowing which cap applies to which scheme is what prevents a last-minute budget shortfall. Get the numbers right before you sign, not after.

How does the FHOG deadline affect Logan, QLD buyers in 2026?

The $30,000 FHOG is available for eligible new home contracts signed before 30 June 2026. From 1 July 2026, the grant drops to $15,000. That $15,000 difference is real money, and for buyers who are close to a decision, the deadline is worth understanding. The contract date — not the settlement date — is what determines which grant amount applies. A contract signed on 28 June 2026 that settles in September 2026 still qualifies for the $30,000 grant, provided all other eligibility criteria are met.

For buyers who are not yet ready to sign a contract before the deadline, the reduced $15,000 grant from July 2026 still stacks well with $0 stamp duty on new builds and the First Home Guarantee. The post-June position is still a good one for eligible first home buyers across Logan suburbs like Crestmead - Holmview , where new builds regularly fall within or close to the FHOG price cap. A house bought well is worth more than a grant captured in a hurry.

How do first home buyers work through stamp duty and scheme eligibility in Logan, QLD?

Step 1: Talk to us

Get in touch and we will assess your eligibility across the FHOG, the stamp duty exemption, the First Home Guarantee, and any other scheme that applies to your situation — before you spend time searching for properties you may not be able to access.

Step 2: Establish your deposit and genuine savings

You stop worrying about whether your savings count — we confirm what lenders will accept as genuine savings, which schemes reduce your required deposit, and whether LMI applies to your situation.

Step 3: Understand your price range and scheme thresholds

We map your purchase budget against the thresholds that matter: the $700,000 established-home duty cut-off, the $750,000 FHOG cap, and the $1,000,000 First Home Guarantee cap. You enter your property search knowing exactly which price range unlocks which benefits.

Step 4: Compare lenders across the panel

You see which of 60+ lenders suit your deposit, income, and scheme eligibility — not just the big banks. Lender choice affects how your genuine savings are assessed, how quickly you can get pre-approval, and which construction lenders are available if you go new build.

Step 5: Apply for pre-approval

You go to open homes and auctions with a pre-approval in hand, knowing your borrowing capacity is confirmed. Pre-approval is not a guarantee, but it is a strong hand to play in any negotiation.

Step 6: Settlement and grant lodgement

You do not chase paperwork. We coordinate the FHOG application and any scheme documentation with your conveyancer so nothing slips through at settlement. Our job does not end at approval.

Ready to find out exactly how much you could save on stamp duty? We compare loans from 60+ lenders across Logan, QLD. Free service, no cost to you. Free service 5-star rated No obligation Book a free chat today →

Frequently Asked Questions

Do first home buyers pay stamp duty in Queensland in 2026?

Not on new builds. First home buyers purchasing a new home in Queensland pay $0 stamp duty with no price cap, effective from 1 May 2025. On established homes under $700,000, the exemption also applies in full; between $700,001 and $800,000 a sliding concession reduces the amount payable; above $800,000 full duty applies.

Can I get the FHOG and the stamp duty exemption at the same time?

Yes, on a new build under $750,000 both apply simultaneously. The stamp duty exemption (no cap) and the FHOG ($30,000 before 30 June 2026, $15,000 from 1 July 2026) are separate schemes from separate legislation — qualifying for one does not affect the other. On an established home, the stamp duty exemption still applies under $700,000 but the FHOG does not.

What is the price cap for the Queensland FHOG?

The FHOG applies to new homes with a purchase price under $750,000. A new build above $750,000 is ineligible for the grant but still qualifies for $0 stamp duty, because the new-build duty exemption has no price cap.

What happens to stamp duty if my established home price is between $700,000 and $800,000?

A sliding-scale concession applies. The amount of duty you pay rises gradually as the price moves from $700,001 toward $800,000. The exact figure depends on your purchase price — use Cube's stamp duty calculator or speak to us before making an offer.

Does the First Home Guarantee stack with the stamp duty exemption?

Yes. The First Home Guarantee (5% deposit, no LMI, up to $1,000,000 in Logan, QLD) is a federal scheme and operates independently from Queensland's stamp duty rules. An eligible buyer can use both at the same time on either a new or established home within the relevant price caps.

Should I use a mortgage broker or go to my bank for my first home loan?

A mortgage broker, every time. Your bank can only show you its own products; a broker compares 60+ lenders simultaneously, confirms which schemes you qualify for, and coordinates the grant documentation at no cost to you. For first home buyers navigating stamp duty concessions, FHOG timing, and deposit requirements all at once, having someone map the full picture before you commit is worth significantly more than any rate difference between individual lenders.

I'm buying with my partner — do we both have to be first home buyers?

Yes. For most Queensland first home buyer concessions, all purchasers named on the contract must be first home buyers who have never previously owned residential property in Australia. If one partner has owned before, eligibility for the full exemption and the FHOG may be affected — this is one of the first things we confirm in a free consultation.

Your Next Steps

Stamp duty concessions, the FHOG, and the First Home Guarantee are all designed to work together — but the rules around price caps, contract dates, and new versus established homes mean the full benefit is only available to buyers who understand how each scheme applies to their specific purchase. The lender you choose, the price point you target, and the contract date you land on can all shift the outcome significantly.

Ready to find out exactly how much you could save and which lenders give first home buyers the strongest result in Logan, QLD? Contact the Cube Loans team for a free consultation or call 1800 774 756. We will map your scheme eligibility, compare options across 60+ lenders, and make sure you do not leave any concession on the table.

About the author Nevada Matthews Mortgage Broker & 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.