A Queensland purchase is assessed on the same lender policies as anywhere in Australia, but the costs around it are Queensland's own: transfer duty rather than stamp duty, a first home concession with its own thresholds, a different grant for new homes, and settlement practice that moves faster than in the southern states. Getting those right at the start is most of what separates a smooth purchase from a tight one.

Queensland tools

QLD transfer duty calculatorDuty on the price entered, with the home and first home concessions applied where they fit. QLD first home concessions guideThresholds, the new-home position and the grant, set out as a lender and the revenue office read them. Borrowing capacity calculatorAn assessment-style borrowing range from income, expenses and existing commitments.

What we work on for Queensland clients

Situation	How it is handled
First home	Concession and grant eligibility confirmed before the contract, the deposit sized with the duty position known, and the five per cent deposit scheme considered where it fits. Pre-approval before the search where the timeline allows.
Buying from interstate	Many Queensland purchases are made by buyers moving or investing from New South Wales and Victoria. Identification, signing and settlement are all handled remotely; the differences in cooling-off, finance clauses and settlement timing are set out before an offer is made.
Investment property	Rental income shaded as lenders shade it, land tax and body corporate costs in the holding figure, and the loan structured so the next purchase is not blocked by the last one.
Refinance or fixed rate ending	The current rate against the market, the structure against plans, and whether a change is worth the cost; a review that ends in no change is a valid outcome.
Business and asset finance	Chattel mortgages and equipment finance for Queensland trades, transport and professional businesses, structured alongside the home lending rather than against it.

How it works at a distance

Value Lending is based in Newcastle and writes loans Australia-wide. For Queensland clients that means a first conversation by phone or video, documents through a secure portal, lender identification by video or at an Australia Post outlet, and loan documents signed electronically where the lender allows it. Settlement is handled by your Queensland conveyancer or solicitor with the lender's settlement team; we stay in the loop until the funds have moved. The lenders are the same panel available to any Queensland broker, and the assessment is the same wherever the broker sits.

Queensland reading

Scenario posts written for Queensland buyers sit in the blog under the state pages: how the first home concession tapers above the threshold, why a new build and an established home are treated differently, and what happens to a purchase at the edge of the concession. They are linked from the concessions guide and updated whenever the thresholds change.

Understanding the Queensland settings before the contract, rather than after it, is what puts a buyer in a better position.

General information only; it does not take your circumstances into account and is not credit or financial advice. Queensland duty and concession settings change; the calculators are reviewed against the Queensland Revenue Office each February and July. Value Lending Pty Ltd is a Corporate Credit Representative (515167) of Connective Credit Services Pty Ltd (ACL 389328).