QLD Broker of the YearBrisbane First Home Buyer Loans: Start With a Clear Finance Plan
Bayside first home buyer specialists. We help you access every grant and scheme you qualify for, then match you to the right lender, at no cost to you.
About Us: First Home Buyer Mortgage Brokers in Brisbane
MC Mortgage Solutions is a mortgage broking firm based in Manly QLD 4179, arranging first home buyer loans across Brisbane’s bayside. Our team compares 30+ lenders to structure a first home buyer loan around the specifics of buying your first property: the Australian Government 5% Deposit Scheme, which allows a 5% deposit and no Lender’s Mortgage Insurance, the Queensland First Home Owner Grant, and the stamp duty concession.
Operating since 2007, the family-run Carr team brings 25 or more years of combined lending experience and works under the best interests duty that binds every Australian mortgage broker. Service area suburbs include Manly, Manly West, Wynnum, Lota, Birkdale, Wellington Point, Thornlands and Redland Bay.
What Is a First Home Owner Loan and Why It Changes Your Buying Position
A first home buyer loan is a standard owner-occupied mortgage, but your status as a first-time buyer unlocks government grants, stamp duty relief and low-deposit pathways that repeat buyers and investors simply can’t access. That difference can mean entering the Brisbane market years sooner, with a smaller deposit and lower upfront costs.
In a market where good properties move fast, being loan-ready before you start looking gives you a real edge. Pre-approved buyers can make an offer the same day they inspect a property, while buyers still sorting finance are often already a step behind.
How We Help First-Time Home Buyers in Brisbane
Grant and Scheme Eligibility Check
One conversation confirms whether you qualify for the Queensland First Home Owner Grant, stamp duty concession, Australian Government 5% Deposit Scheme, and how they stack together.
5% Deposit, No LMI Loans
We structure your loan through the Australian Government 5% Deposit Scheme, so you can buy with a 5% deposit and avoid Lender’s Mortgage Insurance entirely.
New Build and House and Land Finance
Finance for new homes and house and land packages, where the $30,000 grant and the stamp duty exemption both apply.
Established Home Finance
Buying an existing home rather than building new? We line up the stamp duty concession available on established properties and match you to the right low-deposit loan.
Guarantor and Low-Deposit Structuring
Short on deposit? We arrange family guarantee loans and low-deposit options that reduce or remove your upfront cash requirement.
Free Pre-Approval
Get pre-approved so you can make an offer or bid at auction with confidence, and move quickly on the right property.
The First Home Purchaser Help We Get You Access To
Queensland first home buyers can often stack several forms of support on the one purchase. Here’s the short version: current as at August 2026, we confirm your exact eligibility in the first conversation.
| Support | What You Get | Applies To |
|---|---|---|
| QLD First Home Owner Grant | $30,000 | New homes under $750,000 |
| Stamp duty, new home | $0, no price cap | Contracts from 1 May 2025 |
| Stamp duty, established home | $0 up to $700,000, partial to $799,999 | Established properties |
| 5% Deposit Scheme | 5% deposit, no LMI | Brisbane and SEQ cap $1,000,000 |
The $30,000 grant continues past 1 July 2026. The Queensland Government has confirmed the increased amount continues for eligible contracts signed from 1 July 2026 onward, so you can disregard any information still quoting a reduction to $15,000 when researching Home Loans Brisbane options.
Government Schemes and Assistance for New Home Buyers in Brisbane
Brisbane first home buyers can access several incentives that reduce deposits, remove LMI, or put cash toward a purchase.
Queensland First Home Owner Grant (FHOG)
- One-off $30,000 payment, new homes only
- Property value must be under $750,000
- Continues for contracts signed from 1 July 2026 onward
- Not income-tested
Australian Government 5% Deposit Scheme
- Buy with just a 5% deposit
- No LMI, government guarantees the shortfall
- No income caps or place limits
- Brisbane and SEQ price cap: $1,000,000
Queensland Stamp Duty Concessions
- Full exemption on new homes, no price cap
- Concessions available on established homes under $800,000
- Can save tens of thousands at settlement
Reviews That Reflect Our Service and Results
Our Real Client Testimonials on YouTube
Our First Time Buyer Loan Process Works
Free Chat
We map your deposit, income and the grants or schemes you qualify for.
Borrowing Power
We calculate what you can realistically borrow across multiple lenders.
Scheme Match
We line up the grant, duty concession and deposit scheme that fit your purchase.
Pre-Approval
A confirmed budget, so you can offer or bid with confidence.
Find Your Home
You shop, we’re on call for any deal-specific question that comes up.
Approval and Settlement
We manage the lender and keep everything moving through to the keys.
Why First Home Buyers Choose MC Mortgage Solutions
Local, Not a Call Centre
Based on the bayside, with genuine knowledge of its suburbs, estates and property values.
30+ Lenders, One Honest Recommendation
We compare policy, not just rate, because that’s what actually gets a first home buyer approved.
Free to You
Our service costs you nothing. The lender pays our commission, and brokers are legally required to act in your best interests.
We Handle the Schemes for You
Grants, concessions and deposit guarantees are our job to navigate, not another form for you to decode alone.
A 5.0 Star Local Track Record
190 verified Google reviews, 25 or more years of combined lending experience, and a 90% client referral rate.
Talk to a Bayside First-Home Specialist
Book a free, no-obligation chat, and we’ll tell you in one conversation which grants you qualify for and what you can borrow.
Service Areas We Serve Across Greater Brisbane & Bayside
From our Manly office we meet clients across the Bayside, the Redlands Coast and Brisbane’s east. Choose your suburb for local lending guidance.
Looking for the Best Mortgage Broker Near Me in Brisbane? Get Trusted Guidance.
- Mobile appointments across Brisbane and Bayside
- Free Mortgage and personalised loan guidance
- Trusted by 90 % referral clients
Manly & Wynnum
Redlands Coast
Map: Gompk, CC BY-SA 4.0, via Wikimedia Commons (cropped)
Qualified, Licensed & Local
| Category | Details |
|---|---|
| Licensing | MC Mortgage Solutions Pty Ltd · ACN 128 555 902 · Australian Credit Licence 394061. Matthew Carr, Credit Representative. |
| Experience | Locally owned and operating on Brisbane’s bayside since 2007. Brokers with 15–25+ years of lending experience each. |
| Best-interests duty | As a mortgage broker, we’re bound by law to act in your best interests, a duty that applies to every broker in Australia. |
Our Lenders
We compare more than 200 loan products from 30+ banks and specialist lenders, including:
Get Your First Home Loan Sorted Before You Make an Offer
Know your borrowing power, your real deposit, your grant eligibility and your repayments before you start making offers, not after. MC Mortgage Solutions compares 30+ Brisbane lenders and manages your first home buyer loan from pre-approval through to settlement, at no cost to you.
Our All Services
First home lending is one part of what we do. Explore the rest of our Brisbane lending and financial services.
Financial Services
Income protection, investment, general insurance, accounting and self-managed super.
Explore financial servicesRefinance
Review your current loan against the market and switch when the numbers stack up.
Explore refinancingFrequently Asked Questions (FAQs)
Common questions about deposits, stamp duty, the Queensland grant and what our service costs a first home buyer. If yours is not here, ask us directly.
How much deposit do I need as a first home buyer in Brisbane?
Between 5% and 20%. With the Australian Government 5% Deposit Scheme, you can buy with a 5% deposit and pay no LMI. A 20% deposit avoids LMI without needing a scheme at all.
Do first home buyers pay stamp duty in Queensland?
Not on a new home; duty is reduced to nil with no value cap for contracts dated 1 May 2025 or later. On an established home, there’s no duty up to $700,000, a reduced amount to $799,999, and full duty from $800,000.
Is the $30,000 grant still available after 1 July 2026?
Yes. The Queensland Government has confirmed the increased $30,000 grant continues for eligible contracts signed from 1 July 2026 onward. It applies to new homes valued under $750,000.
Can I use the grant as part of my deposit?
Often, yes. The grant is generally paid around settlement, so lenders may count it toward your funds to complete. Treatment varies by lender, and we structure this for you.
Does a HECS or HELP debt affect my first home loan?
It won’t stop you from getting a loan, but it does reduce how much you can borrow while the balance is outstanding. If your balance is small, paying it out before applying can lift your borrowing power; we model both scenarios.
What does your service cost a first home buyer?
Nothing. Our service is free to you; the lender pays our commission, and we’re required to act in your best interests regardless of which lender you’re matched to.
Visit or Call Our Manly Office
MC Mortgage Solutions is based on Kingsley Terrace in Manly and meets clients across Greater Brisbane and the Bayside, in person or online.
| Monday to Friday | 8 am to 5 pm |
| Saturday | 9 am to 5 pm |
| Sunday | 9 am to 5 pm |
Australian Credit Licence 394061 | ACN 128 555 902