Buy New, Save Big: How Queensland First Home Buyers Are Winning in 2025, 2026

Buying a first home can feel out of reach. But in Queensland in 2025, first-time buyers are enjoying some of the strongest incentives ever. The right combination of government concessions and flexible deposit pathways like Coposit can dramatically cut upfront costs and speed up the journey to home ownership.

Major savings for first home buyers in QLD in 2025

Full stamp duty exemption

From 1 May 2025, eligible first home buyers who buy a new home or vacant land to build receive a full exemption from stamp duty.That means no transfer duty at all on qualifying properties.A saving that can reach tens of thousands of dollars.

$30k First Home Owner Grant

Queensland continues to offer up to $30,000 for eligible buyers purchasing or building a new home under a set price cap.This money reduces the amount you need to save or helps cover upfront costs.

5% deposit with no LMI

Under national first home support, eligible buyers may secure a loan with just a 5% deposit and pay no lenders mortgage insurance.This removes another huge barrier and keeps more money in buyers’ pockets.

Solara | FHB in QLD | Buy property in Kings Beach | Secure with $10k and $653 x 90 weeks

How these concessions work together

Picture a new Queensland home valued at $740,000:

• Stamp duty: $0
• First Home Owner Grant: up to $30k
• Deposit: as little as 5%
• No LMI costs added to the loan

This combination unlocks the market sooner. It allows buyers to step in while prices are still rising.

Why demand is rising in Queensland

Queensland continues to grow rapidly. Major interstate migration, employment opportunities and lifestyle benefits mean more people want to buy here.With concessions better than ever, demand for new builds and off the plan properties is accelerating.

Acting early helps buyers secure strong value before competition increases further.

Murcia Residences | FHB in QLD | Buy property in Brisbane | Secure with $10k and $838 x 83 weeks

How Coposit boosts first home buying power

Coposit adds even more flexibility for buyers who want to take advantage of these savings:

• Secure a new home from just $10k upfront
• Pay weekly instalments while the property is built
• Build equity during construction
• Avoid saving a huge deposit before you start

Because Coposit focuses on new and off the plan homes, it aligns perfectly with Queensland’s 2025 first home buyer rules.

Why this combination works

• New properties = qualify for full stamp duty savings
• New properties = qualify for the $30k grant
• Low upfront = easier to meet the 5% deposit requirement

Government concessions plus Coposit’s model create a pathway into the market that simply did not exist a few years ago.

What first home buyers need to check

To make the most of these benefits, ensure:

• The home you want is brand new or off the plan
• Purchase contracts fall within eligibility periods
• You meet property price caps and ownership rules
• You can demonstrate genuine savings for lending approval

A broker or financial adviser can help confirm eligibility early.

Anchorage | FHB in QLD | Buy property in Moreton Bay | Secure with $20k and $879 x 74 weeks

Lower upfront costs and bigger savings for first home buyers in 2025 and 2026.