The Logan property market continues to attract first-home buyers looking for affordable entry into the Southeast Queensland housing market. With home values holding steady and growing local infrastructure, many residents are now exploring their options. 

However, rising interest rates and upfront costs can still present real challenges. This is where government grants for first home buyers in Logan, QLD can play a vital role.

Working with experienced mortgage brokers like Cube Loans can make your home-buying journey easier. They help you compare lenders, understand loan features, and potentially save on interest over time. With Cube’s support, first home buyers in Logan can feel confident making informed decisions about their future.

Let’s dive into the available government schemes and how they could help you in 2025.

Key Takeaways

• First home buyers in Logan, QLD, may be eligible for multiple government grants in 2025.
  
  
• Grants include the First Home Owner Grant, stamp duty concessions, and shared equity schemes.
  
  
• Eligibility often depends on property value, income, and whether you're buying or building.
  
  
• Mortgage brokers like Cube Loans can simplify the process, help compare loan options, and ensure you apply for the right support.

What are the Government Grants for Homebuyers in Logan, Queensland?

First Home Owner Grant (FHOG) in Queensland

The First Home Owner Grant (FHOG) remains one of the most popular government support schemes. In Queensland, it provides a one-off payment of $30,000 (as of July 2023) for eligible first home buyers who are building a new home or purchasing a newly constructed one.

Who is eligible for the FHOG?

To be eligible for the FHOG in 2025:

• You must be at least 18 years old.
  
  
• You must be an Australian citizen or permanent resident.
  
  
• You (and your spouse/partner) must not have previously owned a home in Australia.
  
  
• The new property must be valued at less than $750,000.
  
  

What types of properties qualify for the FHOG?

Eligible properties include:

• Newly built homes
  
  
• Homes off-the-plan
  
  
• Homes built under a contract
  
  

If you're buying an established property, unfortunately, the FHOG does not apply.

Stamp Duty Concessions for First Home Buyers

Stamp duty — or transfer duty — is a major cost when buying property. But if you're a first home buyer in Logan, QLD, you may be eligible for significant concessions.

What can you claim under a stamp duty?

• Full stamp duty exemption if your home is valued at $500,000 or less.
  
  
• Partial concession for homes priced up to $550,000.

On a $500,000 property, that’s a saving of around $8,750, which can be redirected towards your deposit or moving costs.

Are you eligible for stamp duty exemption?

You must:

• Be 18 years or older
  
  
• Have never owned residential property in Australia
  
  
• Move into the property within 1 year
  
  
• Live in the home for at least 1 year
  
  

First Home Guarantee Scheme

The First Home Guarantee (FHBG), part of the federal government’s Home Guarantee Scheme, allows eligible first home buyers to purchase a home with as little as 5% deposit, without needing to pay Lenders Mortgage Insurance (LMI). The government acts as a guarantor for up to 15% of the loan, helping buyers get into the market sooner.

Eligibility for the First Home Guarantee Scheme: 

• Australian citizens or permanent residents
  
  
• Earn up to $125,000 for singles or $200,000 for couples
  
  
• Must be buying a property under the price cap for the region
  
  

In Logan, property price caps may vary, but in 2025, they're expected to remain around $550,000 to $700,000. 

Regional First Home Buyer Guarantee

The Regional First Home Buyer Guarantee (RFHBG) is also part of the Home Guarantee Scheme and is tailored for first-home buyers in regional areas (that is, locations outside the defined capital-city statistical area).

It similarly allows eligible buyers to purchase a home with a 5% deposit and no LMI (thanks to the government guarantee).

Key points specific to the regional guarantee:

• At least one applicant must have lived in the regional area (or an adjacent regional area) for the 12 months prior to the home-loan date.
  
  
• The property must be in a regional area as defined by the ABS Statistical Area Level 4 (SA4) that is not a capital city area.
  
  
• The usual income cap (e.g., ~$125,000 singles / ~$200,000 couples) still applies under this stream.
  
  
• A property price cap also applies (and in many regions the cap is lower than metro versions).

Important: If you access the regional guarantee, you cannot also use the standard First Home Guarantee. You must choose the one that applies; hence, a mortgage broker advice is crucial. 

Boost to Buy

The Boost to Buy initiative is a proposed shared equity scheme by the Queensland Government, aimed at helping eligible first time buyers enter the property market with a smaller deposit.

Under the scheme, the government contributes up to 30% of the property’s purchase price, reducing the amount buyers need to borrow and easing deposit requirements. Buyers must contribute a minimum 2% deposit, and the government holds an equity stake in the property, which can be repaid later or when the property is sold.

Key Points:

• Supports new and existing homes, including those in areas covered by the Logan Planning Scheme
• Targets low-to-moderate income households struggling with affordability
• Occupancy and income eligibility criteria apply

While the scheme is still in development, it's expected to align with broader housing affordability and infrastructure projects across Queensland. Cube Loans can help you understand your eligibility and prepare for the application process once the program becomes available.

How Cube Loans Can Help First Home Buyers in Logan

Even with grants available, the process of applying, comparing loans, and understanding eligibility can be overwhelming. That’s where Cube Loans steps in.

With years of experience in the Logan mortgage industry, Cube Loans brokers work closely with lenders and clients to:

• Find suitable loan options tailored for first home buyers
  
  
• Help with grant applications and ensure you meet all deadlines
  
  
• Avoid common pitfalls in loan approval processes
  
  
• Get access to exclusive lender deals not available to the public
  
  

By partnering with a broker who knows the Logan market inside-out, you’re not just applying for a loan; you're setting yourself up for long-term success.

Ready to chat with someone about your loan options? Reach out to Cube Loans or call 1800 774 756 today and book a free consultation.

FAQs

What is the First Home Owner Grant amount in Logan, QLD, for 2025?

The First Home Owner Grant amount in Logan, QLD, for 2025 is $30,000 for eligible buyers purchasing or building a new home.

Can I get stamp duty exemption if my home costs $520,000?

You may be eligible for a partial concession, but not a full exemption. 

Are existing homes eligible for the First Home Owner Grant?

No, the FHOG only applies to newly built or substantially renovated homes.

Can I use multiple grants together?

Yes! Many buyers use the First Home Guarantee, FHOG, and stamp duty concessions together if eligible.

What eligibility criteria must first home buyers in Logan meet to qualify for government grants?

To qualify for Queensland Government grants and concessions, first time buyers in Logan must be over 18, Australian citizens or permanent residents, buying or building a new (not established) home, and meet deposit and property value limits under the QLD First Home Owner Grant and related programs.

What is the income limit for the First Home Guarantee scheme in Queensland?

The income limit for the First Home Guarantee scheme in Queensland is $125,000 for singles and $200,000 for couples, based on the previous financial year's taxable income.

What is the property price cap for first home buyer grants in Queensland?

As of 2025, the property price cap for the QLD First Home Owner Grant is $750,000 for new homes, including house and land packages; the cap varies for other schemes under the Queensland Government.

How long does it take to receive the First Home Owner Grant in Queensland?

Once your application process is approved, the QLD First Home Owner Grant is typically paid at settlement for a purchase, or at the first drawdown if building; processing can take up to 10–15 business days.

Can I use the First Home Owner Grant as part of my home loan deposit?

Yes, many lenders accept the QLD First Home Owner Grant funds as part of your deposit requirements, which can help meet minimum thresholds for first home buyers loans in Logan and across Queensland.

Are Cube Loans mortgage brokers able to help me apply for government grants?

Yes, Cube Loans mortgage brokers are experienced in guiding first time buyers through the application process for the QLD First Home Owner Grant, stamp duty concessions, and other Queensland Government programs.

Do I need to live in the property to get first home buyer grants in QLD?

Yes, to qualify for the QLD First Home Owner Grant and other grants and concessions, you must occupy the property as your principal place of residence for at least 6–12 months depending on the grant.

What happens if I move out of my first home before the minimum occupancy period?

If you move out before meeting the occupancy requirement, you may be required to repay part or all of the grant, and penalties may apply under the Queensland Government guidelines.

Aside from government grants, what other home loan types can first-time buyers avail in Logan?

First-time buyers in Logan can access first home buyers loans including low-deposit loans, guarantee-backed options like the First Home Guarantee, and fixed rate or variable rate loans aligned with local infrastructure projects and regional growth under the Logan Planning Scheme.

Wrapping It All Up

Buying your first home in Logan, QLD, doesn’t have to feel overwhelming. With a range of government grants for first home buyers in 2025, there’s real help available. Whether it’s the $30,000 First Home Owner Grant, stamp duty savings, or a 5% deposit guarantee, every dollar counts when you’re stepping into the property market.

Need guidance? The experienced Logan mortgage brokers at Cube Loans are ready to help. From identifying what grants you qualify for to securing a home loan that fits your budget, Cube makes the process clearer and quicker. Call 1800 774 756 or visit www.cubeloans.com.au and take the next step toward owning your home in Logan today.