Regents Park sits at the upper-middle end of Logan's affordability range, and most local purchases still 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, the entry cost here remains achievable for households with two solid incomes.

Regents Park sits in the 4118 postcode alongside Browns Plains, Heritage Park and Hillcrest, a short drive from the Grand Plaza retail centre. Housing is predominantly detached family homes on suburban blocks, with a newer profile than the older northern Logan suburbs. At the 2021 Census Regents Park had 11,103 residents with a median age of 34.

Stamp duty and the First Home Concession

Established homes under $700,000 attract zero transfer duty under Queensland's First Home Concession. Between $700,001 and $799,999 a partial concession applies on a sliding scale, with a maximum saving of $24,525. Given where Regents Park prices sit, it is worth running the duty figure before you make an offer rather than assuming it will be nil. Use our stamp duty calculator.

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. At Regents Park price points the LMI avoided typically runs well into five figures. See the scheme explained and avoiding LMI.

Buying with two incomes

Regents Park recorded a median household income of $1,864 at the 2021 Census against a personal income of $798, which indicates most local households combine two earners. Lenders differ substantially in how they treat a second income, particularly where it is casual or part-time, and that variation is usually the largest single factor in your borrowing figure. Start with our borrowing power calculator, then get a real number through pre-approval.

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

Regents Park investment purchases sit in the middle ground between Logan's high-yield northern suburbs and its lower-yield established east. Investment lending is assessed on your existing income plus projected rent, and lender appetite for Regents Park's detached family housing is broad, which keeps your options open.

Tenant demand is supported by the Grand Plaza retail and employment precinct at Browns Plains, the Mount Lindesay Highway corridor, and local school catchments that attract long-term family tenants.

Investment loan assessment in Regents Park

Lenders weigh your income, the projected rent, your existing commitments and portfolio position. Regents Park's newer detached stock generally values well and attracts stable tenants, which most lenders view favourably. Treatment of projected rental income varies between lenders, commonly between 70% and 80% of the appraised figure, and that difference compounds across a portfolio. See our investment loan page and rental yields across Logan.

Dual occupancy and secondary dwellings

Block sizes across parts of Regents Park support secondary dwellings, and dual-income properties are a recognised local strategy. Lender treatment of that second rental income differs sharply, from counting it in full to excluding it entirely. Confirm both the council planning position for your specific lot and the lender's income treatment before committing to a build. See dual occupancy loans.

Construction and new builds

A construction loan releases funds in progress payments at slab, frame, lockup, fixing and completion, with interest charged only on the amount drawn. Lenders assess the fixed-price building contract alongside the land value, and valuation practice differs considerably between lenders. See construction loans in Logan.

Using equity from your home

Many Regents Park investors fund the deposit from equity in their existing home rather than cash. How that is structured determines whether your next purchase is straightforward or blocked, particularly if the two properties end up cross-securitised. See using equity to buy again.

Call Cube Home Loans on 1800 774 756 to talk through Regents Park investment or construction finance.

Refinancing a Regents Park 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 for a renovation or investment, or when household income has changed. Many Regents Park owners bought with a small deposit and have since moved well clear of Lenders Mortgage Insurance territory without acting on it.

Here is how each case works in practice.

Getting out of Lenders Mortgage Insurance

If you bought with less than a 20% deposit and paid LMI, capital growth since 2020 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 the conversation two to three months before expiry, because a refinance takes weeks rather than days. See fixed rates ending.

Renovating rather than moving

With a median age of 34 and a strong family profile, extending or renovating is a common alternative to upsizing in Regents Park. Cosmetic work can often be funded through an equity release; structural work usually needs a construction-style facility drawn in stages. See renovation lending.

Consolidating debt

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

When refinancing is not worth it

If the balance is small, if you are close to paying out, or if fixed-rate break costs exceed the saving, staying put is the better call and we will say so. Start with our refinancing calculator.

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

Yes. Regents Park has a substantial population of tradespeople, small business operators and professionals commuting to Brisbane, along with shift workers in healthcare and logistics. All of these income types are lendable, but the lender you apply to determines the outcome far more than in a straightforward salaried application.

At the 2021 Census Regents Park recorded a median weekly personal income of $798 against a household income of $1,864, one of the stronger income profiles among Logan's western suburbs.

Self-employed and sole traders

Two years of tax returns and financials allow a full-doc assessment on the same footing as a salaried applicant. Add-backs are where the real difference lies: depreciation, one-off expenses, additional superannuation contributions and interest on refinanced debt 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 viable path where full-doc is not available.

Shift workers and essential services

Lender treatment of overtime and penalty rates varies: some count 100% of consistent overtime for essential service workers, others discount to 80%, some exclude it entirely. For a two-income Regents Park household that difference can shift borrowing capacity by six figures. See essential workers and home loans for nurses.

Credit impairment and past declines

A default, a discharged bankruptcy or a prior decline does not close the door. Specialist lenders price for risk rather than refusing outright. Applying to several banks in succession is counterproductive, because each application is recorded on your credit file. See applying after a decline.

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

At the 2021 Census, Regents Park had 11,103 residents with a median age of 34, living at an average of 3.0 people per household. Median weekly household income was $1,864, median weekly family income was $1,936, and median weekly personal income was $798.

Above the Logan average on income

A median household income of $1,864 sits comfortably above the Logan LGA figure of $1,616, placing Regents Park in the upper half of the council area. Median personal income of $798 is similarly strong. Combined with a median age of 34, exactly on the LGA median, this reads as an established working-family suburb rather than either a first-home entry point or a downsizer market.

Family households with dependants

At 3.0 people per household, Regents Park runs slightly above the LGA average of 2.9. The gap between family income of $1,936 and household income of $1,864 indicates most households are single-family units rather than shared or multi-generational arrangements. Dependants matter to your application: each child reduces assessable capacity under lender household expenditure benchmarks, and those benchmarks differ meaningfully between lenders.

What this means for your application

The gap between personal income of $798 and household income of $1,864 shows capacity typically rests on two earners. Where the second income is casual, part-time or bonus-dependent, lender choice becomes the deciding variable. The same application can produce borrowing figures well over a hundred thousand dollars apart across different lenders. See increasing your borrowing capacity and home loans for young families.

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 your income structure to the lender most likely to assess it favourably. Cube Central Pty Ltd, Credit Representative #472851, authorised under Australian Credit Licence #517192.

Source: Australian Bureau of Statistics, 2021 Census of Population and Housing, Regents Park (SAL32417).

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