TO LIVE IN

New house and land packages in Toowoomba

Explore current house-and-land packages at The Hills Collection in Glenvale, created for first home buyers and owner-occupiers.

The rules changed.
Nobody told the buyers.

For years the advice to Queensland first home buyers was the same. The grants stop at $750,000. New homes start higher. Keep saving.

The gap never closed. But one rule changed, and it changed quietly.

Since 1 May 2025, eligible first home buyers in Queensland pay no stamp duty on a new home. There's no price cap on it. Not $750,000, not $800,000 — none at all. It's the most generous new-home duty setting in the country, and most buyers still don't know it exists.

That's money you don't have to save, borrow, or find at settlement.

$24K+

What the Queensland Government says the average Toowoomba buyer saves.

In Brisbane North it's closer to $39,500. On a higher-priced home it's more again.

VIEW CURRENT OPPORTUNITIES →

Every other first home buyer scheme stops at $750,000. This one doesn't stop at all.

The deposit

You may not need the deposit you think you need.

In October 2025 the federal deposit scheme dropped its income caps, removed the limit on places, and lifted the property price caps. Eligible first home buyers can now get in with a 5% deposit and no lenders mortgage insurance.

Separately, specialist lenders will now write between 85% and 98% of a property's value with no lenders mortgage insurance and no guarantor. Some take no equity in your home at all — you own 100% of it from day one. Others pause your repayments while the house is being built, so you're not covering rent and a mortgage at the same time.

Which one suits you comes down to your income, your savings and your situation. That's a conversation for a broker. We can help refer you to a broker that meets your needs.

5%

Deposit under the federal scheme for eligible first home buyers, with no lenders mortgage insurance.

$0

Stamp duty for eligible Queensland first home buyers on a new home. No price cap.

100%

Yours from day one on the lenders that take no equity in your home.

Eligibility, lending criteria and approval are matters for the lender. 32 Projects does not arrange or assess finance — see the finance note in the footer.

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Current opportunities

Available house and land packages in Toowoomba

Explore current house-and-land packages at The Hills Collection in Glenvale, with new opportunities added as they become available.

Lot 17 · The Hills Collection, Glenvale

A one-off four-bedroom design created specifically for its wide-frontage block, with open-plan living, a covered alfresco and step-free showers.

View Westbrook 184 →
Lot 20 · The Hills Collection, Glenvale

A four-bedroom home with two separate living zones, a walk-in pantry, dedicated laundry and covered alfresco.

View Spring Bluff 190 →

Buying to invest rather than to live in?

Our Defence Housing stock sits in Brisbane, Ipswich and Toowoomba. Different buyer, different numbers, same office.

See Investment Options →

General Enquiries

Start with a conversation.

Interested in a house-and-land package in Toowoomba? Leave your details and James will contact you with information about current availability and the next steps.

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Prefer to talk directly?
Call James on 0411 333 869.