First Home Owner Grant Logan, QLD, The 2026 Guide
The Queensland First Home Owner Grant is $30,000 for eligible new home contracts signed from 1 July 2026, and it applies across every Logan suburb. If you're building your first home near the Meadowbrook health precinct, buying a new townhouse in Woodridge, or looking at a house-and-land package in Yarrabilba, the grant is available at the same rate and with no income test attached.
What catches most buyers off guard is that the grant sits alongside other federal schemes, not instead of them. A first home buyer using the First Home Guarantee can combine a 5% deposit with the $30,000 grant, cutting the upfront cost significantly. Getting the timing and structure right matters, which is where lender choice makes the difference.
Our team helps first home buyers across Logan, QLD work through every scheme they're eligible for and compare options across 60+ lenders. The first home loan structure you choose affects how the grant and federal schemes interact, and that's worth sorting out before you sign anything.
Key takeaways
- Queensland's FHOG is $30,000 for new homes valued under $750,000.
- Established homes are not eligible; new builds and substantial renovations may qualify.
- The FHOG can be combined with the First Home Guarantee and stamp duty concessions.
Does the Queensland First Home Owner Grant apply in Logan, QLD?
Yes, the $30,000 Queensland First Home Owner Grant applies across the entire City of Logan for eligible contracts signed on or after 1 July 2026. The 2026-27 Queensland Budget, handed down in June 2026, continued the $30,000 rate with no reversion date, so buyers in Logan are not facing any sunset or reduction. The grant is paid on new homes only, covers the home and land value up to $750,000, and carries no income test.
We see a lot of buyers who've read that the $30,000 grant was ending, and they've either rushed into the wrong property or written off the idea entirely. The 2026 extension removed that deadline, but the misconception is still out there.
Nevada Matthews · Mortgage Broker and Co-Owner, Cube Loans · Chat to Nevada →
What does the Queensland FHOG actually cover?
The grant applies to the purchase or build of a new home where the total value of the home and land does not exceed $750,000. "New home" covers a house, unit, townhouse or apartment that has not been previously lived in or sold as a residence. It also covers owner-builder builds and substantially renovated homes in certain circumstances, though those cases have stricter conditions around the extent of the renovation and the builder involved.
Established homes are not eligible, full stop. This is the single most common misunderstanding. If you're buying a second-hand house in Marsden or a resale apartment in Springwood, the grant does not apply, though the first-home stamp duty concession still may. The grant is tied to the construction or first sale of a new dwelling.
You must occupy the home as your principal place of residence within one year of settlement or, for builds, within one year of the title being registered. You must live there for a continuous period of at least six months.
Source: Queensland Revenue Office.
Who is eligible for the First Home Owner Grant in Logan?
You must meet all of these criteria to receive the $30,000 grant. Each applicant on the loan is assessed individually, so if you're buying with a partner, both of you need to qualify.
The eligibility criteria:
- › First home buyer: neither you nor your partner can have previously owned or co-owned residential property in Australia, at any time.
- › New home only: the property must be a newly built or substantially renovated home, not an established dwelling.
- › Value under $750,000: the total value of the home and land combined must not exceed $750,000.
- › Australian citizen or permanent resident: at least one applicant must hold Australian citizenship or permanent residency; from 1 August 2026 this condition is strictly applied across all first-home concessions.
- › Principal place of residence: you must move in within one year and live there for at least six continuous months.
- › No income test: the grant is not means-tested, so your income does not affect eligibility.
Source: Queensland Revenue Office.
What other schemes can first home buyers stack with the FHOG in Logan?
The grant works alongside both federal and state-level assistance. Getting the combination right before you sign is worth the conversation, because some schemes exclude others.
The schemes worth weighing:
- › First Home Guarantee (5% Deposit Scheme): 5% deposit · no LMI · no income test · Logan price cap $1,000,000 · combinable with the FHOG
- › Family Home Guarantee: single parents only · 2% deposit · no LMI · no first home buyer requirement · same $1,000,000 Logan cap
- › QLD first-home stamp duty concession (new homes):$0 transfer duty · no price cap · from 1 May 2025 · stacks directly with the FHOG
- › Help to Buy (federal shared equity): up to 40% government equity on new builds · income cap $103,000 single / $165,000 joint · Logan cap $1,000,000 · cannot combine with a state shared-equity scheme
- › Queensland Boost to Buy: state shared-equity scheme · SEQ (Logan) allocation constrained after Round 1 · confirm availability before relying on it
The cleanest combination for most Logan buyers is the FHOG plus the First Home Guarantee plus the $0 stamp duty concession on a new build. That removes LMI, eliminates transfer duty, and adds $30,000 to the deposit, all without conflicting with each other.
Source: Queensland Revenue Office and Housing Australia.
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How does the $750,000 cap play out across Logan suburbs?
Because the FHOG applies to new homes under $750,000, it's worth knowing where new builds actually sit in the Logan market. CoreLogic data shows median house prices across the City of Logan ranging from around $720,000 in Logan Central to over $1,200,000 in Cornubia, and new builds in established suburbs often price toward or above the median for that area.
In practice, the $750,000 cap is comfortably met by new builds in suburbs like Woodridge, Kingston, Crestmead and Beenleigh, where house medians sit between $740,000 and $780,000 and new townhouse stock commonly prices below that. Outer suburbs with active house-and-land packages, including Yarrabilba and Greenbank, typically deliver new builds well within the cap, which is partly why they attract so many first home buyers.
Premium suburbs present a different picture. Cornubia, Shailer Park and Springwood all carry house medians above $1,000,000, and new builds in those areas generally exceed the $750,000 grant threshold. In those suburbs, the grant is unlikely to apply to a house purchase, though a new unit or townhouse may still come in under the cap.
Source: CoreLogic (via YIP, mid-2026).
How does a mortgage broker help first home buyers use the FHOG in Logan, QLD?
The grant itself is straightforward to claim, but what sits around it, the deposit structure, the lender choice, the scheme combinations, is where the decisions get complicated. Three things differ significantly between lenders for first home buyers in Logan, and they're not visible in a rate comparison.
- › FHBG panel access: not every lender participates in the First Home Guarantee; comparing across those that do means you get the 5% deposit and no LMI on the same application.
- › Construction loan structure: where the grant applies to a build, the loan is drawn in progress payments, and lenders differ on how many inspections they require and how quickly they release funds, which affects your builder's schedule.
- › Application timing: the grant is typically paid at settlement for purchases, or at the first progress payment for builds; structuring the loan so the timing aligns with your cashflow is where lender choice matters more than most buyers expect.
Comparing across a panel of 60+ lenders surfaces those differences in a way a single lender or a rate comparison site cannot.
When does the FHOG not make sense for a Logan buyer?
The grant is useful, but there are situations where it doesn't change the decision as much as buyers assume. If the only new builds you can afford are in locations that don't suit your life, commute or long-term plan, taking $30,000 to buy in the wrong place is still buying in the wrong place. The grant follows the property, not the buyer.
If you've previously owned property anywhere in Australia, including an investment you bought and sold years ago, you're not eligible. There's no exception for time elapsed or for properties held briefly. The "first home buyer" test looks at ownership history, not current circumstances.
It's also worth noting that building a home takes time, and conditions can shift between signing a contract and completing a build. Lenders reassess applications closer to completion, and a pre-approval from today isn't a guarantee of the same terms at handover. For buyers on a tight budget, the grant is real money, but it's not a substitute for a healthy savings buffer.
Where I'd push back on a buyer is if they're choosing a house-and-land package purely to access the grant, rather than because the location suits them. The $30,000 is useful, but it doesn't cover a long commute or a suburb that won't suit them in five years. We usually work through the full picture before the property search, not after.
Nevada Matthews · Mortgage Broker and Co-Owner, Cube Loans · Chat to Nevada →
What approval challenges do first home buyers face when claiming the FHOG?
Common hurdles first home buyers encounter:
- › Valuation risk on a new build: the lender values the property at completion, not at contract. If the market softens between signing and settlement, the valuation may come in below the contract price and you cover the gap in cash.
- › Deposit held in trust during build: on a house-and-land package, your 10% deposit is held while the build progresses, so the grant isn't a substitute for having that cash available at exchange.
- › Pre-approval expiry: most pre-approvals last three to six months; a build that runs longer than expected may require a fresh application at potentially different terms.
- › The APRA serviceability buffer: lenders assess your ability to repay at roughly 3.0% above the loan rate, so your actual borrowing capacity is lower than the rate itself suggests. The buffer applies regardless of the grant amount.
- › Credit history and prior ownership records: the Queensland Revenue Office checks ownership history against title records; an undisclosed prior property interest, even a partial one, can void the grant application.
Frequently Asked Questions
Is the Queensland First Home Owner Grant still $30,000 in 2026?
Yes, it's $30,000 for eligible contracts signed from 1 July 2026. The 2026-27 Queensland Budget extended the rate with no reversion date or sunset clause attached.
Can I use the FHOG on a unit or townhouse in Logan?
Yes, as long as the unit or townhouse is newly built and the total home and land value is under $750,000. It doesn't need to be a freestanding house.
Does buying with a partner affect FHOG eligibility?
Yes, both applicants on the loan are assessed individually. If either of you has previously owned property in Australia, neither of you qualifies for the grant on that purchase.
Can I combine the FHOG with the First Home Guarantee in Logan?
Yes, the two schemes are compatible. You can use a 5% deposit under the First Home Guarantee with no LMI, and still receive the $30,000 grant on a new home valued under $750,000. The Logan price cap for the Guarantee is $1,000,000.
Is the FHOG paid at settlement or during the build?
For purchases, it's typically paid at settlement. For owner-builds or construction contracts, it's generally paid at the first progress-payment drawdown. Your lender handles the application in most cases.
Should I use a mortgage broker or go straight to my lender for the FHOG?
A mortgage broker, every time. A broker compares across 60+ lenders, including those participating in the First Home Guarantee, and structures the loan so the grant timing aligns with your build or settlement. One lender can't show you that picture.
Your Next Steps
Getting the First Home Owner Grant right as a Logan buyer is about more than ticking an eligibility box. The lender you choose, the scheme you combine it with, and the timing of your application all affect what you actually walk away with at settlement. Structuring it well before you sign a contract is where the work gets done.
Ready to find out which lenders will work best for your first home loan? Contact the Cube Loans team or call 1800 774 756. We'll canvas our 60+ lender panel and find the most suitable options for your circumstances.
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External Resources
Cube Loans, Loganholme and Logan, QLD, Cube Central Pty Ltd, Credit Representative 472851, authorised under Australian Credit Licence 517192, General information only - this article does not constitute financial advice. Please consider your own circumstances and seek professional advice before making any financial decisions.
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