Home loans · Woolloongabba 4102
Home loans in Woolloongabba.
Owner-occupier, investor, refinance, construction — every flavour the area asks for.
Reviewed · Adam King — 30 years in finance, Sunshine Coast
Median price band
$750K – $1.3M
Median rent
$650/wk
Postcode
4102
Region
brisbane
Current market signals
Woolloongabba property market — at a glance.
Median sale price
$760K
12-month change
+13.1%
Days on market
28
Rental yield
2.8%
Vacancy
1.3%
Indicative figures, sourced from public real estate market data (as of 2026-06). Local conditions move quickly — confirm against your buyer’s advocate or recent sales evidence before relying on the numbers.
What we see in Woolloongabba
Inner-south hub with the Gabba, PA Hospital and Cross River Rail station inbound. Investor and owner-occupier mix on apartments; commercial spread along Logan Road.
Lender shortlist for Woolloongabba
On our 60+ lender panel, Woolloongabba is an apartment market reshaped by the inbound Cross River Rail station and the hospital precinct. Files turn on building exposure, floor area and LVR; professional waivers help hospital-sector buyers, and we keep second-tier and specialist options for higher-LVR and tower-exposure files. Commentary is indicative and subject to lender policy at the time of submission.
Who actually borrows here
Typical Woolloongabba borrower profiles.
Hospital-sector first-home buyer
A PA Hospital or allied-health professional buying a first apartment near work. Many qualify for an LMI waiver up to 90% LVR through a major bank's professional package, which is often the deciding feature; we line the file against the waiver early and check the building's floor area, as the tower decides which majors stay in.
Investor on the Cross River Rail story
An investor buying an apartment ahead of the new station opening, holding for yield and capital growth. Building exposure caps drive lender choice; we keep second-tier and specialist non-bank options for towers a major restricts. Indicative structure is 80-85% LVR interest-only with a rental letter.
First-home buyer at higher LVR
A young buyer stretching to enter the inner-south, often at 85-90% LVR. The First Home Guarantee can remove LMI where places are available; where it is not, we cost the capitalised LMI into the loan and pick a lender whose premium and rate combination is cheapest at that LVR.
Worked example
A realistic Woolloongabba scenario.
A first-home buyer purchasing a two-bedroom apartment near the new Cross River Rail station, using a 15% deposit. Indicative purchase price $750,000, owner-occupier. Figures are illustrative only and subject to confirmation of income, valuation, and lender policy at the time of submission.
Purchase price
$750K
Deposit
$112.5K
Loan amount
$637.5K
Monthly repayment
$3,863
Illustrative only — at an assumed rate, for example only. Not an advertised rate.
Indicative stamp duty
$13,387
Indicative LMI
$4,781
Lender shortlist: Best of panel: a major bank with a hospital-sector waiver plus a second-tier lender
At 85% LVR LMI applies on a standard application — about $4,781 capitalised on this loan — but a First Home Guarantee place or a hospital-sector professional waiver can remove it entirely, which is the first thing we check. Indicative repayment of about $3,863 per month assumes a 6.1% variable P&I rate over 30 years and excludes any capitalised LMI. A major bank with a professional waiver typically leads for eligible borrowers; a second-tier lender is the backup on building or floor-area grounds. At $750K the QLD first-home established-home concession is partly tapered (it phases out between $700K and $800K), so the duty shown is the reduced first-home figure rather than the full owner-occupier rate.
Indicative only. General information — not personal credit advice. The repayment above is illustrative — derived from an assumed, example-only rate (stated in the notes above), not an advertised rate, a comparison rate, or a quote. Final pricing, lender appetite and serviceability are confirmed in writing on the file.
Who lives here
Woolloongabba household profile.
Median age
33
Median income
$96K
Owner-occupied
38%
Family households
31%
Indicative figures based on public census-style data. Not a substitute for current ABS releases.
Living in Woolloongabba
- Schools: East Brisbane State School catchment, Brisbane State High School nearby, St Joachim's Catholic Primary in Holland Park
- Transport: The Cross River Rail station inbound at Woolloongabba is the headline link, on top of the existing busway and Logan Road bus corridor; the PA Hospital and South Bank are a short walk.
- Shopping: The Logan Road antique-and-café strip and the Stones Corner precinct cover the retail trade; South Bank and the Buranda hub are within an easy walk for the larger shop.
- Recreation: The Gabba on match days, the riverwalk links toward Kangaroo Point, and the parkland around Mowbray Park in nearby East Brisbane provide the recreation; Stones Corner has a growing café scene.
Take this to a broker
Get a number for your Woolloongabba purchase →
Indicative numbers are a starting point. A broker will model the panel against your specific Woolloongabba purchase and come back inside 4 business hours.
Common questions about home loans in Woolloongabba
What does it cost to use a broker for a Woolloongabba purchase?
Nothing. The lender pays us a commission on settlement. We disclose every cent on the Credit Quote you sign before lodgement.
Which lenders work best in Woolloongabba?
We compare lenders for Woolloongabba based on the property type, deposit, income mix, and valuation risk, then shortlist the options most likely to fit your purchase or refinance.
How long does it usually take from offer to keys in Woolloongabba?
Most files settle 3–6 weeks from first call to keys. Faster for clean dual-income PAYG (≈3 weeks), longer for self-employed or interstate moves.
Nearby
General information only. Suburb-level figures, lender appetites and example structures are indicative — they do not consider your personal circumstances. Final pricing and policy are confirmed by the lender on the file.
Indicative only. The worked example uses an illustrative, example-only rate — it is not an advertised rate, a comparison rate, or a quote. Your rate, fees and eligibility depend on the lender’s full assessment of your file, and the Credit Quote we provide before lodgement sets out the rate, fees and commission for your specific application.