Cube Home Loans is a Logan-based mortgage broking firm operating from 3/3986 Pacific Highway, Loganholme QLD 4129, comparing more than 60 lenders for clients across the City of Logan. Founded by Scott Beattie and Nevada Matthews, the team is award-winning and holds a strong record of 5-star Google reviews from Logan clients.

What to look for in a Logan mortgage broker

Lender panel size matters, because the lender that declines you is often not the lender that would have approved you. So does local presence: a broker who works in Logan understands how lenders treat new-estate valuations in Yarrabilba, unit stock in Woodridge, and dual-income properties across the LGA. Ask any broker how many lenders they access, whether they are aggregator-owned, and how they are paid.

Your other options in Logan

Major banks including Commonwealth Bank, Westpac, ANZ and NAB have branches at the Logan Hyperdome and Browns Plains. Credit unions such as Queenslanders Credit Union and Queensland Country Bank operate in the region. Non-bank lenders including ING, ME Bank and Macquarie, and online-only lenders like UBank and loans.com.au, also lend in Logan. Other broking groups active locally include Aussie Home Loans, Mortgage Choice, Loan Market and Smartline.

Why most Australians now use a broker

Roughly three quarters of new residential home loans in Australia are now written through mortgage brokers rather than direct with a lender. The reason is comparison: a bank can only offer its own product, while a broker assesses your position against many lenders' policies before anything is submitted, which matters because each declined application leaves a mark on your credit file.

How Cube Home Loans is licensed

Cube Central Pty Ltd trading as Cube Central is Credit Representative #472851, authorised under Australian Credit Licence #517192. Our service is provided at no direct cost to you in most cases; we are paid a commission by the lender, and we disclose this in writing before you proceed.

Call Cube Home Loans on 1800 774 756 to speak with a Logan-based broker today.

First home buyers in Logan can currently combine three measures: the Australian Government 5% Deposit Scheme, which allows a 5% deposit with no Lenders Mortgage Insurance; Queensland's First Home Concession, which reduces transfer duty to zero on established homes under $700,000; and the $30,000 Queensland First Home Owner Grant on eligible new builds under $750,000.

Logan sits between Brisbane and the Gold Coast and remains one of the more accessible entry points in South East Queensland. The property mix runs from established post-war homes in Woodridge, Kingston and Slacks Creek through to new house-and-land estates in Yarrabilba, Logan Reserve and Park Ridge. Which scheme suits you depends heavily on which part of Logan you buy in.

The Australian Government 5% Deposit Scheme in Logan

Renamed from the First Home Guarantee in October 2025, this scheme lets eligible first home buyers purchase with a 5% deposit and zero Lenders Mortgage Insurance. Income tests have been removed and there is no longer an annual cap on places, so you do not need to wait for the start of the financial year to secure a slot. Because most Logan stock sits comfortably under the applicable price cap, this is one of the most usable schemes available to local buyers. The LMI avoided on a typical Logan purchase runs into five figures. Get your pre-approval sorted early, because well-priced stock near the Beenleigh and Loganlea rail lines moves quickly.

Stamp duty for first home buyers in Logan

Established homes under $700,000 attract zero transfer duty under Queensland's First Home Concession. Properties between $700,001 and $799,999 receive a partial concession on a sliding scale, with a maximum saving of $24,525. Given Logan's price point, a large share of local first home purchases fall under the zero-duty threshold entirely. New homes and vacant land are more generous again: contracts signed on or after 1 May 2025 attract a full exemption with no price cap, which is significant if you are building in a Logan growth corridor. From 1 August 2026, these concessions are only available to Australian citizens, permanent residents and specified foreign retirees.

$30,000 First Home Owner Grant in Logan

For new builds or substantially renovated homes valued under $750,000, you may qualify for the Queensland First Home Owner Grant of $30,000. The Queensland Government confirmed in the 2026-27 State Budget that the $30,000 amount continues for eligible contracts signed from 1 July 2026, rather than reverting to $15,000 as previously legislated. Logan's new estates are among the few places in South East Queensland where a new build under $750,000 is still realistically achievable.

How much can you borrow in Logan?

Borrowing power depends on your income, existing commitments, living costs, and critically which lender's serviceability model assesses you. Two applicants with identical figures can receive materially different borrowing outcomes from different lenders. We compare across more than 60 lenders to find the right fit. Start with our borrowing power calculator.

How Cube Home Loans works with Logan first home buyers

We run your pre-approval across 60+ lenders so you have a clear number before making offers, map the schemes you qualify for and stack them where the rules allow, handle the paperwork, and stay on the lender through to settlement.

Call Cube Home Loans on 1800 774 756 for a free assessment of your Logan first home buyer options.

Investment lending in Logan is assessed on your existing income plus projected rental income, while construction loans draw down in stages as the build progresses, with interest charged only on the amount drawn. Logan's affordability relative to Brisbane and the Gold Coast means gross rental yields here typically compare well, which helps under most lender serviceability models.

Logan draws consistent tenant demand from its position between two employment markets, the Meadowbrook health and education precinct, and the Yatala industrial corridor to the south. Median weekly rent across the LGA was $350 at the 2021 Census, against median monthly mortgage repayments of $1,733.

Investment loan assessment in Logan

Lenders consider your income, the projected rent, your existing debt commitments, and how the new loan sits within your wider portfolio. Established suburbs such as Woodridge, Kingston, Marsden and Crestmead generally carry stronger yields, while the newer southern estates are more often bought for growth. Lender treatment of projected rental income varies: some accept 80% of the appraised rent, others less, and a few apply postcode-level restrictions to particular Logan suburbs. See our investment loan page for more.

Construction lending in Logan's growth corridors

Yarrabilba, Logan Reserve, Park Ridge and Greenbank are among the most active new-build areas in South East Queensland. A construction loan works differently to a standard purchase: funds release in progress payments at slab, frame, lockup, fixing and completion, and you pay interest only on what has been drawn. Lenders assess the fixed-price building contract alongside the land value, and valuation practice on new estate stock differs considerably between lenders. That variation is where broker selection matters most.

Dual occupancy and secondary dwellings

Dual-income properties are a common strategy in Logan. Lender treatment of secondary dwelling income differs sharply: some count the full rental figure, some discount it heavily, and some exclude it entirely. Confirm both the council planning position for your specific site and the lender's income treatment before you commit to the build.

What we check before you sign

We assess the specific property against lender policy during pre-approval rather than after you have signed a contract, which avoids the most common cause of finance falling over.

Call Cube Home Loans on 1800 774 756 to talk through Logan investment or construction finance.

Refinancing a Logan home loan usually makes sense in four situations: your fixed rate is ending, you have built enough equity to drop below 80% LVR, you want to access equity for a renovation or investment, or your income circumstances have changed. It is not automatically worthwhile, and break costs on a fixed loan can outweigh the saving.

Here is how each case works in practice.

Your fixed rate is ending

The revert rate your lender rolls you onto when a fixed term expires is rarely their sharpest offer. This is the most common reason Logan clients contact us. Start the conversation two to three months before expiry, not after, because a refinance takes weeks rather than days. See our guide on fixed rates ending.

You have built equity

Logan values have moved considerably over recent years, particularly in the established northern suburbs. If your loan-to-value ratio has fallen below 80%, you may be able to avoid Lenders Mortgage Insurance on a new loan and access equity for a renovation, an investment deposit, or to consolidate higher-interest debt. Consolidating unsecured debt into a mortgage lowers the rate but extends the term, so check the total interest paid, not just the monthly figure.

Your circumstances have changed

A new job, starting a business, a separation, a new child, or moving to a single income all change how lenders assess you. The lender that suited you three years ago may no longer be the best fit for how your income looks today.

When refinancing is not worth it

If your balance is small, if you are close to paying the loan out, or if fixed-rate break costs exceed the saving, staying put is the better call and we will tell you so. A refinance also triggers a fresh credit assessment, so if your position has tightened it may be worth waiting.

Running the numbers

We compare your current loan against products from 60+ lenders and calculate the real saving after application fees, discharge fees and any break costs. Start with our refinancing calculator.

Call Cube Home Loans on 1800 774 756 for an honest read on whether refinancing suits your situation.

Yes. Self-employed applicants with two years of tax returns are generally assessed the same as PAYG applicants, and alt-doc lending using BAS statements, business bank statements or an accountant's declaration is available where returns do not reflect current trading. Casual, contract and shift income is also accepted, though lender treatment varies widely.

Logan has a high concentration of tradespeople, small business owners, sole traders and shift workers, and standard bank assessment often handles these income types poorly.

Self-employed and sole traders

Most lenders want two years of tax returns and financials for a full-doc assessment. Where it gets useful is add-backs: depreciation, one-off expenses, additional superannuation contributions and interest on debts being refinanced can often be added back to assessable income. Lenders differ significantly on which add-backs they accept, and the difference can be substantial. See our page on self-employed home loans in Logan.

Alt-doc and low-doc options

If you are newly self-employed or your returns understate current income, alt-doc lending assesses you on alternatives such as BAS, business bank statements or an accountant's declaration. These loans usually carry a higher rate and a larger deposit requirement, but they open a door that a full-doc application would close.

Casual, contract and shift income

Logan's workforce is heavily weighted toward healthcare, logistics, construction and retail, much of it casual or shift-based. Lender treatment of overtime and penalty rates varies: some count 100% of consistent overtime for essential service workers, others discount to 80%, and some exclude it. On a typical Logan household income that difference can shift borrowing capacity by six figures. See home loans for tradies.

Credit impairment and past declines

A default, a discharged bankruptcy, or a recent decline does not end the conversation. Specialist lenders price for risk rather than refusing outright. Applying scattergun across several banks is counterproductive, because each application is recorded on your credit file.

What we do

We assess your position against lender policy before anything is submitted, so the application goes to a lender likely to approve it.

Call Cube Home Loans on 1800 774 756 to discuss your situation confidentially.