By Chaice Paterson, CEO & Founder, Low Deposit Homes | Updated June 2026
Comparing like-for-like — a brand-new 4-bedroom home with a second living space and a double garage — house-and-land packages in Burpengary start from about $900,000 in 2026. Burpengary, in the Moreton Bay region north of Brisbane, is one of South East Queensland’s strongest growth markets. The federal 5% Deposit Scheme applies up to a $1,000,000 price cap, and Queensland charges $0 stamp duty on a new build with no price cap. Here is exactly how the numbers work.
How much deposit do you need to buy a first home in Burpengary in 2026?
You typically need around $45,000 for a 5% deposit on a $900,000 new 4-bedroom build in Burpengary, plus roughly $4,000 in fees — about $49,000 total cash. Under the 5% Deposit Scheme you pay a 5% deposit with no Lenders Mortgage Insurance, and on a new build in Queensland you pay $0 stamp duty (no price cap). A 20%-deposit buyer would need about $180,000 on the same home. Run your own figure with the free Grant Eligibility Calculator.
What does a like-for-like new home cost in Burpengary?
A brand-new 4-bedroom house-and-land package with a second living area and a double garage prices from about $900,000 in Burpengary in 2026. Established houses in Burpengary now top $1 million, but that reflects older stock; new builds in the surrounding growth area sit lower and are the like-for-like comparison. The 4-bedroom new product sits below the $1,000,000 5% Scheme cap.
Which first home buyer grants and schemes apply in Burpengary?
Two of the main schemes do the heavy lifting on a like-for-like Burpengary new build.
| Scheme | Applies in Burpengary? | Detail |
|---|---|---|
| 5% Deposit Scheme (First Home Guarantee) | Yes — up to $1,000,000 | 5% deposit, no LMI; no income or place caps since 1 Oct 2025; citizens and permanent residents. |
| QLD stamp duty exemption (new builds) | Yes — no price cap | $0 stamp duty on a new home, locked into Queensland law. The biggest single saving here (around $30,000+). |
| QLD First Home Owner Grant | Generally not — over $750,000 | $30,000 for new builds under $750,000. A like-for-like 4-bedroom Burpengary package prices above $750,000, so the grant usually does not apply. |
| Help to Buy | Sometimes | 2% deposit shared-equity; Australian citizens only; income caps $100K single / $160K couple. Cannot be combined with the 5% Scheme. |
Can you get the $30,000 First Home Owner Grant in Burpengary?
Generally not for a like-for-like 4-bedroom home. The Queensland $30,000 grant applies to new builds valued under $750,000, and a 4-bedroom Burpengary package with a second living space and double garage prices from about $900,000 — above the cap. The bigger, more reliable saving is the uncapped $0 stamp duty (worth around $30,000+ on these prices), stacked with the no-LMI 5% Deposit Scheme.
Which new estates in Burpengary have house-and-land packages?
Burpengary and its surrounds have a deep new-build pipeline in 2026, including North Harbour at Burpengary East and the emerging Waraba growth area to the west — Lilywood Landings and Stockland Rivermont. These releases offer 4-bedroom house-and-land packages from about $900,000, with parklands, river frontage and new town-centre amenity. We match you to a registering lot and a fixed-price build so your scheme eligibility and timeline are protected. Burpengary is one example of where we build — we build across Queensland and Victoria — and you can see the corridor overview in our North Brisbane house-and-land guide.
What’s the realistic cash-on-hand for a first home in Burpengary?
Indicative example — a couple buying a $900,000 Burpengary 4-bedroom new build under the 5% Scheme: 5% deposit $45,000; $0 stamp duty (Queensland new-build exemption); $0 LMI (5% Scheme); about $4,000 in fees — roughly $49,000 total cash. These figures are indicative; check how much you could borrow with the Borrowing Power Calculator and confirm your grants with the Grant Eligibility Calculator.
Is Burpengary a good suburb for first home buyers?
Yes — Burpengary suits first home buyers who want a brand-new home in an established Moreton Bay centre with train access to Brisbane, mature amenity and a major new growth area (Waraba) on its doorstep. The no-LMI 5% Scheme and uncapped $0 stamp duty get you into a new 4-bedroom home for around $49,000 cash. The trade-off is its distance north of the Brisbane CBD. For first home buyers who want a low-deposit entry with infrastructure already around them, Burpengary is one of the strongest North Brisbane corridors in 2026.
How Low Deposit Homes helps Burpengary first home buyers
We map your eligibility across every scheme, match you to a registering Burpengary lot, structure a fixed-price build, and coordinate the finance through a licensed broker so your 5% Scheme place and timeline stay protected. The service is free to you — Low Deposit Homes is paid by the builder, not the buyer.
Get your free Burpengary first-home plan
See exactly which grants you qualify for and the deposit you’d need on a brand-new Burpengary home. Free, no obligation — usually back to you the same day.
Frequently asked questions
Q: How much deposit do I need to buy a house in Burpengary?
About 5% — roughly $45,000 on a $900,000 new 4-bedroom build — with no LMI under the 5% Deposit Scheme, plus around $4,000 in fees.
Q: Is there stamp duty on a new home in Burpengary?
No. Queensland charges $0 stamp duty on new builds, with no price cap — the largest saving for Burpengary buyers.
Q: Can I get the $30,000 First Home Owner Grant in Burpengary?
Generally not for a like-for-like 4-bedroom home, because the grant requires a value under $750,000 and these packages price above that. The uncapped $0 stamp duty usually saves more.
Q: What’s the 5% Deposit Scheme price cap in Burpengary?
$1,000,000, because Burpengary sits within Greater Brisbane (Moreton Bay). New 4-bedroom packages price below this.
Q: Do permanent residents qualify in Burpengary?
Yes. Permanent residents are treated as equivalent to citizens for the 5% Scheme and the stamp duty exemption (Help to Buy is citizens-only).
Low Deposit Homes is not a lender or mortgage broker, and is free to buyers. All calculations are indicative and not financial advice. Eligibility is confirmed with a licensed broker.