Edens Landing sits in the mid range of Logan affordability, and the large majority of local purchases fall under Queensland's $700,000 zero transfer duty threshold for first home buyers. Combined with the Australian Government 5% Deposit Scheme, which removes Lenders Mortgage Insurance on a 5% deposit, it remains an accessible entry point with rail access to Brisbane.

Edens Landing sits in the 4207 postcode on the Logan River, between Holmview and Bethania, with Edens Landing station on the Beenleigh line. At the 2021 Census Edens Landing had 5,094 residents with a median age of 35. Housing is predominantly detached family homes on standard suburban blocks, much of it developed from the 1990s onwards.

Stamp duty and the First Home Concession

Established homes under $700,000 attract zero transfer duty under Queensland's First Home Concession, which covers most Edens Landing purchases. From 1 August 2026 these concessions are limited to Australian citizens, permanent residents and specified foreign retirees.

The Australian Government 5% Deposit Scheme

Renamed from the First Home Guarantee in October 2025, the scheme allows a 5% deposit with no Lenders Mortgage Insurance. Income tests have been removed and there is no longer an annual cap on places. See the scheme explained and avoiding LMI.

Flood mapping on the river

Edens Landing fronts the Logan River, and flood overlays apply to parts of the suburb. This is the most important local check before you make an offer. Flood-affected property carries higher insurance premiums, which lenders count in your serviceability assessment, and some lenders decline higher-risk zones outright while others accept them at a lower maximum LVR. Two similar homes a few streets apart can produce different lending outcomes on this basis alone.

Rail access and buyer demand

Edens Landing station supports commuter demand into Brisbane, which underpins both owner-occupier interest and resale depth. For a first home buyer that combination of price and transport is the suburb's core appeal. Get a real number through pre-approval.

Call Cube Home Loans on 1800 774 756 for a free assessment of your Edens Landing first home buyer options.

Edens Landing offers investors moderate entry prices, reliable rental demand from a rail-connected commuter suburb, and yields in the middle of the Logan range. Investment lending is assessed on your income plus projected rent, and the main local variable is flood overlay on the specific property rather than income policy.

Rental demand is supported by Edens Landing station, the M1 corridor, and the Yatala and Beenleigh employment areas nearby.

Flood overlay is the first check

Edens Landing's river frontage means flood mapping affects individual lots materially. Lenders treat flood-affected property differently: some decline higher-risk zones, others accept them with a reduced maximum LVR, and all count the higher insurance premium in your serviceability assessment. Establishing the flood position and the insurance cost before you make an offer is more consequential here than any other lending consideration.

Investment loan assessment

Lenders weigh your income, projected rent, existing commitments and portfolio position, commonly accepting 70% to 80% of the appraised rent. Edens Landing's detached family homes attract stable long-term tenants and value predictably where flood mapping is not a factor. See our investment loan page and rental yields across Logan.

Insurance cost and serviceability

This is worth stating plainly because it catches investors out. Insurance is an ongoing cost that lenders include in serviceability calculations. On a flood-affected Edens Landing property the annual premium can be several times what it would be on an equivalent home outside the overlay, and that difference reduces your borrowing capacity for every future purchase, not just this one.

Renovation and value-add

Much of the stock dates from the 1990s and 2000s. Cosmetic renovation lifts rent and valuation; structural work usually needs a construction loan drawn in stages. See renovation lending.

Call Cube Home Loans on 1800 774 756 to talk through Edens Landing investment finance.

Refinancing an Edens Landing home loan is usually worth investigating when a fixed rate is ending, when equity growth has taken you below 80% LVR, when you want to release equity, or when your income has changed. One local factor deserves attention before you start: a refinance triggers a fresh valuation, and flood overlay can affect what a valuer concludes.

Here is how each case works in practice.

The flood overlay caution

If your property sits within a Logan River flood overlay, a new lender may take a different view of it than your current lender did. Valuation, maximum LVR and willingness to lend at all can differ between lenders. A decline on property grounds still records a credit enquiry, so confirm the target lender's flood policy before lodging rather than after.

Getting out of Lenders Mortgage Insurance

If you bought with a small deposit and paid LMI, capital growth may already have pushed your loan-to-value ratio below 80%. Refinancing at that point can secure a sharper rate without paying LMI a second time. See accessing equity.

Your fixed rate is ending

The revert rate at the end of a fixed term is rarely a lender's best offer. Start two to three months before expiry rather than after. See fixed rates ending.

Reviewing your insurance at the same time

If your property carries flood risk, your premium is a significant ongoing cost and it feeds directly into how much any lender will let you borrow. Reviewing insurance alongside a refinance is worth doing, because a lower premium improves your serviceability position as well as your cashflow.

Consolidating debt

Rolling car loans, personal loans or credit cards into a mortgage lowers the rate but extends the term, so check total interest paid rather than the monthly figure. See debt consolidation.

When refinancing is not worth it

If the balance is small, if you are close to paying out, or if break costs exceed the saving, staying put is the better call. Start with our refinancing calculator.

Call Cube Home Loans on 1800 774 756 for an honest read on your options.

Yes. Edens Landing has a broad mix of trades, transport, healthcare and service workers, with a median weekly personal income of $762 at the 2021 Census, above the Logan average. Two years of tax returns allow a full-doc assessment; alt-doc lending covers applicants whose returns understate current trading.

As in neighbouring Waterford, the complication in Edens Landing is often the property rather than the income, since a lender comfortable with your BAS-based income may still take issue with flood overlay.

Self-employed and sole traders

Full-doc assessment needs two years of returns and financials. Add-backs matter: depreciation, one-off expenses, additional superannuation contributions and interest on debts being refinanced can often be added back to assessable income, and lenders differ significantly on which they accept. See self-employed home loans and home loans for tradies.

Alt-doc and low-doc options

Where returns do not reflect current trading, alt-doc lending assesses you on BAS, business bank statements or an accountant's declaration. Higher rate and larger deposit, but a workable path where full-doc is not available.

Where income policy meets property policy

Alt-doc lenders tend to be more conservative on property, and flood-affected security narrows the field further. A lender happy with your income may decline the overlay; a lender comfortable with the property may want full financials. Working out where both conditions are satisfied before applying avoids unnecessary credit enquiries. See applying after a decline.

Casual and shift income

Lender treatment of overtime and penalty rates ranges from counting it in full to excluding it entirely. For households combining a salary with variable earnings, this is often the deciding factor. See part-time and casual workers.

Call Cube Home Loans on 1800 774 756 to discuss your situation confidentially.

At the 2021 Census, Edens Landing had 5,094 residents with a median age of 35, living at an average of 2.8 people per household. Median weekly household income was $1,648, median weekly family income was $1,910, and median weekly personal income was $762.

Slightly above the Logan average

Median household income of $1,648 sits marginally above the Logan LGA figure of $1,616, and personal income of $762 is solidly above the LGA pattern for a suburb at this price point. Combined with a median age of 35, one year above the LGA median, Edens Landing reads as a settled working-family suburb rather than either an entry point or a downsizer market.

The gap between family and household income

Family income of $1,910 against household income of $1,648 indicates a meaningful minority of non-family households, likely singles and couples in the suburb's smaller dwellings. Family households in Edens Landing earn well; the suburb figure is moderated by households with fewer earners.

What this means for your application

Income is generally the straightforward half of an Edens Landing application. The property is the harder half. Flood overlay from the Logan River affects specific lots and changes lender appetite, valuation and insurance cost, and that insurance cost then feeds into serviceability for every future borrowing you do. In most Logan suburbs we start with your income and work outward. In Edens Landing, as in Waterford, it is usually more efficient to establish which lenders will accept the specific property first, then match your income to that shortlist. See increasing your borrowing capacity.

Where Cube Home Loans fits

We are based at 3/3986 Pacific Highway, Loganholme. Scott Beattie, Nevada Matthews and the team compare more than 60 lenders and match both your property and your income structure to lenders likely to approve. Cube Central Pty Ltd, Credit Representative #472851, authorised under Australian Credit Licence #517192.

Source: Australian Bureau of Statistics, 2021 Census of Population and Housing, Edens Landing (SAL30940).

Call Cube Home Loans on 1800 774 756 for a free assessment of your borrowing position.