---
title: Mortgage Broker Queensland | Home Loans QLD | GNT Finance
description: GNT Finance arranges Queensland home loans by phone and video, from Brisbane to Cairns. First home buyer duty relief, grants, guarantee caps and lender notes.
url: https://gntfinance.com.au/mortgage-broker/queensland/
section: locations
updated: 2026-09-01
author: Gorakh Timilsina, GNT Finance
---

# Mortgage Broker Queensland

**In short:** GNT Finance arranges Queensland home loans by phone, video and e-signature, with a national lender panel and Nepali-speaking service. Queensland first home buyers pay no transfer duty on a new home at any price, and established homes are exempt to $700,000 at the time of writing. The First Home Guarantee cap is $1,000,000 in south-east Queensland and $700,000 elsewhere. No cost to you in most cases.

Queensland has become the destination for a large share of interstate movers, and for Melbourne investors looking north for rental yield and a break from Victorian land tax. From our Mickleham office we have arranged loans in Brisbane's growth corridors, on the coasts and in regional centres, and the state's first home buyer settings are now among the most generous in the country.

## Queensland first home buyer rules at a glance

The state government reset its first home buyer concessions during 2025, and the current position, as we understand it at the time of writing, is set out below. Confirm the figures with the Queensland Revenue Office before relying on them.

| Measure | Rule |
|---|---|
| Transfer duty, new home or vacant land to build on | No duty for eligible first home buyers at any price (from 1 May 2025) |
| Transfer duty, established home | Exempt to $700,000; concession from $700,001 to $800,000 |
| First Home Owner Grant | Has been $30,000 for new homes under contracts signed to 30 June 2026; check the current amount |
| First Home Guarantee cap, Brisbane, Gold Coast and Sunshine Coast | $1,000,000 |
| First Home Guarantee cap, rest of Queensland | $700,000 |
| Foreign purchaser surcharge | 8% additional duty |

The new-home duty exemption without a price cap is the headline. A first home buyer building a $900,000 house in Ripley or buying a $1,000,000 new townhouse in Brisbane pays no transfer duty at all. Combined with the federal guarantee's 5% deposit and no LMI, the cash needed to get into a new home in south-east Queensland is lower than almost anywhere else. Run your own scenario in the [stamp duty calculator](/calculators/stamp-duty/) and check the federal rules in our [First Home Guarantee guide](/guides/first-home-guarantee-5-percent-deposit/).

## Capital versus regional caps

Housing Australia treats Brisbane, the Gold Coast and the Sunshine Coast as one capital city area for the guarantee, with the $1,000,000 cap. Everywhere else, including Toowoomba, Townsville, Cairns, Mackay, Rockhampton, Bundaberg and Hervey Bay, falls under the $700,000 cap. The Queensland duty rules do not vary by region, so a regional first home buyer building a new home still pays no duty and can still use the guarantee, provided the price sits under $700,000.

## Where we work in Queensland

- [Brisbane](/mortgage-broker/brisbane/): inner-city apartments, middle-ring houses, and the growth corridors of Logan, Ipswich and Moreton Bay.
- [Gold Coast](/mortgage-broker/gold-coast/): high-rise and canal-front lending, plus the northern growth suburbs around Coomera and Pimpama.
- [Sunshine Coast](/mortgage-broker/sunshine-coast/): Caloundra, Maroochydore and the hinterland, with a growing health and education economy.
- Regional Queensland: Toowoomba, Townsville, Cairns, Mackay, Rockhampton and Gladstone by phone and video, with lender policy checked for each town.

## Lender policy notes for Queensland

Queensland's variety makes lender selection more consequential than in most states:

- **Mining and single-industry towns**: Moranbah, Emerald, Mount Isa, Gladstone and parts of Mackay have seen sharp price cycles, and several lenders cap the loan-to-value ratio there or want a larger deposit. FIFO income from these regions is generally accepted, but the security itself is what draws the tighter policy.
- **Inner Brisbane and Gold Coast apartments**: high-density towers in Fortitude Valley, South Brisbane, Surfers Paradise and Southport can attract lower maximum LVRs and minimum floor-area rules.
- **Flood and cyclone overlays**: Brisbane's 2011 and 2022 flood maps and the cyclone-rated construction requirements north of Bundaberg affect valuation and insurance, not usually approval.
- **Body corporate and holiday letting**: units in managed holiday complexes on the coasts are often treated as commercial or serviced apartments by lenders and need a specialist approach.

We check the address against lender policy before you make an offer, which is the practical reason to use a [broker rather than a single bank](/guides/mortgage-broker-vs-bank/).

## Worked example: a first home buyer in Logan

Say you buy a $650,000 established three-bedroom house in Logan Reserve as your first home.

- Transfer duty: nil, because the established-home exemption runs to $700,000.
- Deposit under the First Home Guarantee: 5%, or $32,500. No LMI.
- Loan: $617,500. For illustration, at 6.00% p.a. over 30 years the repayment is about $3,702 a month.

If instead you build in the same area for $650,000 using a house-and-land package, duty is nil and the First Home Owner Grant applies to the new home, at whatever amount the Queensland Revenue Office currently pays. Our [house-and-land packages](/services/house-and-land-packages/) page explains the construction loan.

## Investors and interstate buyers

Melbourne investors usually fund the deposit from [equity in their existing home](/guides/how-to-use-equity-to-buy-investment-property/). Queensland has its own land tax thresholds and a foreign purchaser surcharge, so we model the after-tax position in the [investment property cashflow calculator](/calculators/investment-property-cashflow/) first. See [investment property loans](/services/investment-property-loans/) and our [rentvesting guide](/guides/rentvesting/).

## Frequently asked questions

### Do Queensland first home buyers really pay no stamp duty on a new home?

At the time of writing, yes. Since 1 May 2025 eligible first home buyers pay no transfer duty on a new home, or on vacant land they build a home on, with no price cap. You must meet the residency and occupation requirements. Established homes have a separate threshold: exempt to $700,000 and a concession to $800,000. Confirm current rules with the Queensland Revenue Office.

### Is the Queensland First Home Owner Grant still $30,000?

The grant was lifted to $30,000 for new homes under contracts signed to 30 June 2026. Whether that amount continues beyond that date depends on the state budget, so we say "check the current grant amount" rather than promise it. The grant only ever applied to new homes, never to established ones. Ask us or check the Queensland Revenue Office before you count it in your deposit.

### Which Queensland areas get the $1,000,000 First Home Guarantee cap?

Brisbane, the Gold Coast and the Sunshine Coast, as defined by Housing Australia's capital city boundary. Toowoomba, Townsville, Cairns and other regional centres fall under the $700,000 cap. The other conditions are federal: citizen or permanent resident, 18 or over, owner-occupier, and no property owned in Australia in the last 10 years. Use our [eligibility calculator](/calculators/first-home-guarantee-eligibility/) to check.

### Can a Melbourne broker arrange a Queensland loan?

Yes. Our licence is national and so is our lender panel. The process runs by phone, video and e-signature, and your Queensland conveyancer or solicitor handles the contract and settlement. What we bring is the whole lender market, knowledge of which lenders like which Queensland postcodes, and a credit background that helps structure the application correctly the first time.

## Talk to GNT Finance

Buying, building, refinancing or investing anywhere in Queensland? We will compare lenders, apply the state's duty exemption and grant rules, and manage the loan from pre-approval to settlement, all by phone and video. [Book a free consultation](/contact/) or call 0426 403 703.