Queensland
Mortgage broker for Queensland home buyers and investorsBuying in QLD? Get the numbers right.
Magnus Finance works with home buyers and property investors in Queensland and right across Australia. We map your borrowing position across real lender calculators, then structure each loan so your next move stays possible.
Book a strategy callThe information on this page is general in nature and doesn't consider your personal circumstances. Government rules were current as at November 2026 and change often. Confirm the details with the Queensland Revenue Office before you rely on them, and consider whether this information is right for your situation.
Queensland rules that affect your loan.
Stamp duty in QLD
In Queensland it's called transfer duty. It's usually your biggest upfront cost after the deposit, and lenders want to see you can cover it. Use the Queensland Revenue Office calculator for your exact figure.
First home buyers in QLD
- The home concession applies to the first $350,000 of the value of a home you live in, which cuts transfer duty for owner-occupiers.
- From 1 August 2026, the home, first home and vacant land concessions require you to be an Australian citizen, permanent resident or specified foreign retiree.
- The Queensland First Home Owner Grant is $30,000 for new homes valued under $750,000, including land.
- The federal 5% Deposit Scheme lets eligible first home buyers purchase with a 5% deposit and no lenders mortgage insurance. Price caps vary by location, so check the Housing Australia eligibility tool.
Property investors in QLD
- Land tax for individuals starts at $600,000 of total taxable land value in Queensland.
- Companies and trustees have a lower $350,000 threshold, which matters if you're buying in a trust or company. From 1 August 2026, a trustee claiming a home concession needs every beneficiary to be eligible.
- Foreign buyers pay an 8% Additional Foreign Acquirer Duty on residential land, and absentee owners pay a 3% land tax surcharge.
How Magnus Finance helps
- We run your borrowing capacity across lenders. It can vary a lot from bank to bank for the same person.
- We check how lenders treat the property's postcode and type before you commit.
- We structure each loan, in your name, a trust or a company, so it doesn't block your next purchase. Confirm entity structures with your accountant.
- Everything is done by phone, email and a secure online portal, wherever you are in Australia.
QLD questions.
Do trusts pay more land tax in Queensland?
Usually yes. Companies and trustees have a $350,000 land tax threshold in Queensland, compared with $600,000 for individuals, so entity structure affects your holding costs. Confirm the structure with your accountant.
Do I need a mortgage broker based in Queensland?
No. Magnus Finance is based in Brisbane and works with clients in Queensland and right across Australia by phone, email and a secure online portal. Lender policy, not broker location, decides what you can borrow.
What does a broker do differently for QLD property?
We check how each lender treats the property's location and type, run your numbers through real lender calculators, and factor in state costs like duty and land tax before recommending a structure.