Queensland Property Spotlight
Redcliffe property and home loan guide
Redcliffe is the main centre of the Redcliffe Peninsula, on the western shore of Moreton Bay about 28 km from the Brisbane CBD. It's a seaside suburb with a jetty, a beach and a busy esplanade. In the 2021 Census about half of homes were houses (51.4%) and 37.6% were flats or apartments. The median age was 52. Time Home Loans is based in Brisbane and works with Redcliffe buyers by phone and video.
Information last updated 3 November 2026
Market snapshot
| Houses | Units | Source | |
|---|---|---|---|
| Share of homes | 51.4% separate houses, 10.7% terraces and townhouses | 37.6% flats and apartments | ABS Census 2021 (Redcliffe (Qld)) |
In the 2021 Census, 53.8% of Redcliffe homes were owned outright or with a mortgage and 42.3% were rented. The median weekly rent across all homes was $335 (ABS). Rents by bedroom aren't shown for this area. Sale prices will be added once licensed figures are available.
Figures are a guide only and change over time. Past movements in values and rents don't predict future results.
Living in Redcliffe
Matthew Flinders sailed past on 17 July 1799 and named Red Cliff Point after the cliffs he saw from the bay. On 13 September 1824 the Moreton Bay penal settlement was set up here. It moved to the Brisbane River after about a year, which led to the founding of Brisbane.
Redcliffe became a seaside resort in the 1880s. Steamers ran to the jetty from 1911 and the Hornibrook Bridge linked the peninsula to Brighton in 1935. The Redcliffe Peninsula railway line opened in October 2016.
Transport
- The Redcliffe Peninsula line runs from Petrie to Kippa-Ring, the nearest station, with direct trains to the city.
- The Houghton Highway crosses Bramble Bay to Brighton on Brisbane's north side.
- In the 2021 Census 3.7% of working residents took public transport to work and 57.8% drove.
- Plan trips on the Translink journey planner.
Schools
Redcliffe State High School opened in 1958. Redcliffe Special School is also in the suburb. There's no mainstream primary school in Redcliffe itself, so most children go to schools in neighbouring suburbs.
Catchments change, so check the Queensland Government school catchment maps for any address before you buy.
Shopping and dining
Redcliffe Parade is the main street, with restaurants, cafes and shops facing the bay. The Redcliffe Markets run along the Parade on Sundays.
Parks and recreation
- Suttons Beach and the Redcliffe Jetty are the centre of seaside life.
- The Redcliffe Botanic Gardens and the Showgrounds are close to the centre.
- Bee Gees Way, a walkway with a statue of the band, celebrates the band's early years here.
Lifestyle
Redcliffe suits people who want bay views and a village feel within commuting distance of Brisbane. It's popular with retirees and downsizers. The median age was 52 in the 2021 Census and family households made up 56.5% of the suburb.
Redcliffe
Did you know?
Queensland started here
The Moreton Bay penal settlement was set up at Redcliffe on 13 September 1824. It moved after about a year to the Brisbane River, which led to the founding of Brisbane.
Source: Wikipedia: Redcliffe, Queensland
The Bee Gees' first gig
The Gibb family moved to the area in 1958. In 1959 the brothers played their first public show at the Redcliffe Speedway. Barry Gibb unveiled a statue and walkway honouring the band on 14 February 2013.
Source: Wikipedia: Redcliffe, Queensland
A Luna Park by the bay
Luna Park Redcliffe ran at Suttons Beach from 1944 to 1966.
Source: Wikipedia: Redcliffe, Queensland
From steamers to trains
From 1911 the excursion steamer Koopa ran regular trips to the Redcliffe jetty. The Hornibrook Bridge opened in 1935 and gave cars a route to Brisbane. Trains reached the peninsula in October 2016.
Source: Wikipedia: Redcliffe, Queensland
Property types
Redcliffe has a mix of houses and units close to the water.
- Houses make up 51.4% of homes.
- Flats and apartments make up 37.6%, in a mix of older and newer buildings.
- Townhouses and semis make up 10.7%.
- Size: 32.0% of homes have two bedrooms and 44.2% have three.
Check the City of Moreton Bay planning scheme for zoning and overlays and Council's Flood Check property report for flooding on any address.
What lenders look at in Redcliffe
Redcliffe is a seaside mix of units and older houses. Here's what tends to come up with lenders.
Unit size
One LMI provider's public guidelines need at least 30 m2 of living area for a unit, not counting balconies or car spaces. Check the floor plan of small older units.
Body corporate and older blocks
Some Redcliffe units are in older blocks. Lenders and valuers look at the building's condition. Read the body corporate records and sinking fund balance before you sign.
Flood and storm tide
Low-lying seaside streets can be affected by flooding and storm tide. Lenders and insurers look at this risk. Get Council's Flood Check property report and an insurance quote before you sign.
Borrowing closer to retirement
With a median age of 52, many Redcliffe buyers are older. Lenders may ask how you plan to repay the loan before or after you retire, such as downsizing or super.
Postcode 4020
Redcliffe shares postcode 4020 with Scarborough and Newport. It isn't on one LMI provider's lists of excluded or single-industry postcodes.
Lender and LMI policies differ between lenders and change often. This is a general guide based on public lender and LMI information checked 3 November 2026. We can check current policy for the property you're looking at before you apply.
Buying in Redcliffe
In Redcliffe the type of home and its position near the water shape most loans. Units raise questions about size and the body corporate. Low-lying streets near the bay raise flood and storm tide questions. Getting both checked before you make an offer saves time.
First home buyers
Redcliffe's units give first home buyers a way into a seaside suburb. Check the unit's size and the body corporate records before you commit. Getting pre-approval before you look tells you your range.
For government schemes, price caps and grants, see our first home buyer page for current Queensland details. A family guarantee may help some buyers.
Upgraders
Many Redcliffe buyers are downsizing from a family home to a unit with a view. Others move from a unit to a house on the peninsula. If you're buying before you sell, ask about bridging finance early.
Deposit and costs
On top of your deposit, allow for:
- stamp duty (transfer duty) under Queensland rules, with concessions for some first home buyers (see the Queensland Revenue Office)
- conveyancing and legal fees
- building and pest inspections
- strata or body corporate searches for units and townhouses
- lenders mortgage insurance (LMI) if you borrow more than 80% of the property's value
Our calculators give you a starting figure. Stamp duty rules differ between states, so check the Queensland rules for your purchase.
Investing in Redcliffe
In the 2021 Census 42.3% of Redcliffe homes were rented and the median weekly rent was $335. Two-bedroom homes made up 32.0% of the suburb. Lenders assess rental income at a discount and look at the unit's size and building. Read our investing guide for how lenders view investment loans.
Lender considerations
Time Home Loans is a Brisbane-based broker and works with Redcliffe buyers by phone and video. Lenders look at your income and the property: the unit's size and building, older house condition and any flood or storm tide risk. Retirees and near-retirees may also be asked about their exit plan for the loan.
Thinking about buying in Redcliffe?
Talk it through with a Brisbane broker before you sign a contract. We can check the property you're looking at against lender policy.
Frequently asked questions
Can a Brisbane mortgage broker help me buy in Redcliffe?
Yes. Time Home Loans is based in Brisbane and works with clients across Australia by phone and video. Lender policy is national, so it's the same process for a Redcliffe home. Stamp duty and grants follow Queensland rules.
Is Redcliffe mostly units?
It's a mix. In the 2021 Census 51.4% of homes were houses and 37.6% were flats or apartments.
Is there a train to Redcliffe?
The Redcliffe Peninsula line opened in 2016. Kippa-Ring is the nearest station to Redcliffe.
Can I get a home loan in my 50s or 60s?
Often, yes. Lenders look at your income and how you plan to repay the loan over its term, such as downsizing or super.
Does Redcliffe flood?
Some low-lying streets can be affected by flooding or storm tide. Get Council's Flood Check property report for any address.
What costs should I budget for as well as the deposit?
Transfer duty, conveyancing, building and pest or strata inspections and lenders mortgage insurance if you borrow more than 80% of the value. The calculators on our site give you a starting figure.
General information only. This page provides general information and doesn't take into account your objectives, financial situation or needs. Consider whether it's appropriate for you and seek advice before making a decision. Market figures are a guide only and change over time. Past movements in values and rents don't predict future results.
Time Home Loans Pty Ltd ACN 161 695 012, Credit Representative 529395 is authorised under Australian Credit Licence 384324.