At the 2021 Census, 42% of homes in Oxley were owned with a mortgage (Queensland: 34%), 25% were owned outright and 30% were rented. The median mortgage repayment was $1,993 a month and the median rent was $400 a week. With more homes under a mortgage than the QLD average, a regular loan review is worth doing for many locals.

Home ownership figures: ABS 2021 Census, Oxley Suburb and Locality, used under CC BY 4.0. Mortgage broker figures from BrokerScore, updated October 2026.

Buying your first home in Oxley

Oxley is in the $1,000,000 price cap area for the Australian Government 5% Deposit Scheme (Brisbane, the Gold Coast and the Sunshine Coast). Eligible first home buyers can buy up to that price with a 5% deposit and no lenders mortgage insurance.

Queensland grants and concessions

A First Home Owner Grant of up to $30,000 for eligible new homes valued under $750,000.
A full transfer duty concession for eligible first home buyers buying or building a new home.
A partial first home concession may apply to established homes.

General information only, checked 9 October 2026. Sources: 5% Deposit Scheme price caps, Queensland. Eligibility rules apply, so confirm with a mortgage broker.

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Mortgage broker Oxley FAQs

How many mortgage brokers are there in Oxley?

There is 1 mortgage broker on BrokerScore based in Oxley or serving the area, plus 19 more within 5 km.

Who are the top rated mortgage brokers in Oxley?

By BrokerScore, the top rated mortgage brokers in or near Oxley are Rostron Finance (6.5), Aussie Mount Ommaney (6.5) and City Finance (6.2). BrokerScore is a rating out of 10 that reflects reviews and how well a mortgage broker looks after the people who contact them. Mortgage brokers can’t pay to change it.

How much does a mortgage broker cost in Oxley?

Most mortgage brokers in Oxley don’t charge you for a standard home loan. They’re usually paid a commission by the lender once your loan settles. Some charge a fee for complex loans, so ask upfront. Every mortgage broker must give you a credit guide that explains how they’re paid and any fees.

What’s the average mortgage repayment in Oxley?

At the 2021 Census, the median mortgage repayment in Oxley was $1,993 a month, and 42% of homes were owned with a mortgage. Interest rates and prices have changed since then, so a local mortgage broker can work out what repayments would look like for you today.

What is the 5% Deposit Scheme price cap in Oxley?

Oxley falls under the $1,000,000 price cap that applies in Brisbane, the Gold Coast and the Sunshine Coast. Under the Australian Government 5% Deposit Scheme, eligible first home buyers can buy up to this price with a 5% deposit and no lenders mortgage insurance. Some suburbs span more than one postcode, so confirm with a participating lender or mortgage broker.

Should I use a mortgage broker or go straight to my bank?

A bank can only offer its own home loans. A mortgage broker compares loans from the lenders on their panel. They must act in your best interests, and they handle the paperwork through to settlement.

How do I choose a mortgage broker in Oxley?

Compare BrokerScores and read recent reviews, check they help with your situation (for example first home buyers, refinancing or self-employed borrowers) and see which lenders they work with. Ask how they’re paid and how many lenders they’ll compare for you. You can message any mortgage broker on this page for free.

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