Bank Of Queensland Home Loans

Rates and Fees verified correct on December 7th, 2016

Bank of Queensland (BOQ) can help you find a flexible home loan to complement your personal finance needs

Bank of QueenslandBOQ is a leading regional bank that is not owned by any of the big four.

BOQ is completely independent and offer a range of personal banking products and services. With more 270 branches across Australia, BOQ has been doing business since 1874.

Rates last updated December 7th, 2016
$
Loan purpose
Offset account
Loan type
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Bank of Queensland Fixed Rate Home Loan - 3 Year Fixed Rate Discount Rate $150k+ <80% LVR (Owner Occupier)
Special offer for new lending of $150k or more & under 80% LVR, this offer has been extended.
3.79% 4.33% $300 $10 monthly ($120 p.a.) 80% More info
Bank Of Queensland Economy Home Loan - Variable (Owner Occupier)
A basic home loan with additional repayment options.
3.89% 4.04% $300 $10 monthly ($120 p.a.) 95% More info
Bank of Queensland Clear Path Variable Rate Home Loan - Variable (Owner Occupier)
A low interest rate home loan with no application fee. Borrow up to 95% of house valuation.
4.32% 4.45% $0 $10 monthly ($120 p.a.) 95% More info
4.19% 5.37% $300 $10 monthly ($120 p.a.) 95% More info
Bank of Queensland Fixed Rate Home Loan - 3 Year Fixed Rate (Owner Occupier)
Refinance or fix your new home loan for 3 years to secure a low interest rate. Low doc option available.
4.29% 5.29% $300 $10 monthly ($120 p.a.) 95% More info
Bank of Queensland Fixed Rate Home Loan - 1 Year Fixed Rate (Owner Occupier)
Fixed rate home loan for 1 year which includes an offset account.
4.39% 5.50% $300 $10 monthly ($120 p.a.) 95% More info
Bank of Queensland Discount Variable Rate Home Loan - Variable (Owner Occupier)
Enjoy a discounted rate home loan with 100% offset account for borrowings of $1,000,000 plus.
3.94% 4.56% $0 $395 p.a. 80% More info
Bank of Queensland Standard Variable Rate Home Loan - Variable (Owner Occupier)
A no frills variable rate home loan with mortgage offset account.
5.46% 5.62% $495 $10 monthly ($120 p.a.) 95% More info
Bank Of Queensland Home Loan Privileges Package - 3 Year Fixed (Owner Occupier)
Fix in a rate for three years and avoid fluctuations in repayments.
4.29% 5.18% $0 $395 p.a. 95% More info
Bank of Queensland Line of Credit - (Owner Occupier)
Get access to your home equity for any lifestyle or investment pursuits.
6.44% $0 $10 monthly ($120 p.a.) 90% More info
Bank Of Queensland Bridging Finance Loan
Get finance for your new home while you organise the sale of your old one.
6.44% $495 $0 p.a. 80% More info
5.79% $0 $395 p.a. 90% More info
Bank of Queensland First-Start Home Loan - (Owner Occupier)
Enjoy a lower rate on you home loan for the first 12 months.
4.46% 5.52% $495 $10 monthly ($120 p.a.) 95% More info
Bank Of Queensland Low Doc Home Loan - Variable (Owner Occupier)
Buy your home even if you're self employed.
6.71% 6.90% $995 $10 monthly ($120 p.a.) 80% More info
Bank Of Queensland Low Doc Fixed Rate Home Loan - 3 Year (Owner Occupier)
Secure a fixed rate for three years with this low doc home loan.
5.54% 6.57% $995 $10 monthly ($120 p.a.) 80% More info
5.90% 6.82% $995 $10 monthly ($120 p.a.) 80% More info
4.59% 5.23% $0 $395 p.a. 95% More info
Bank Of Queensland Low Doc Fixed Rate Home Loan - 2 Year (Owner Occupier)
A two year fixed rate low doc home loan with flexible features.
5.84% 6.73% $995 $10 monthly ($120 p.a.) 80% More info
5.84% 6.52% $995 $10 monthly ($120 p.a.) 80% More info
Bank Of Queensland Home Loan Privileges Package - 2 Year Fixed (Owner Occupier)
A two year fixed rate with rate and fee discounts.
4.19% 5.21% $0 $395 p.a. 95% More info
5.84% 6.58% $995 $10 monthly ($120 p.a.) 80% More info
Bank Of Queensland Low Doc Line of Credit - Variable (Owner Occupier)
Access your home equity with this low doc home loan.
7.59% $995 $10 monthly ($120 p.a.) 80% More info
4.96% 5.36% $0 $395 p.a. 95% More info
5.44% $0 $395 p.a. 90% More info
4.61% 5.01% $0 $395 p.a. 95% More info
4.65% $0 $10 monthly ($120 p.a.) 90% More info
4.56% 4.96% $0 $395 p.a. 95% More info
4.39% 5.30% $0 $395 p.a. 95% More info
5.39% $0 $395 p.a. 90% More info
Bank Of Queensland Home Loan Privileges Package - 5 Year Fixed (Owner Occupier)
Lock in a rate for five years and enjoy package discounts.
4.59% 5.20% $0 $395 p.a. 95% More info
Rates last updated December 7th, 2016
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Bank of Queensland Fixed Rate Home Loan - 3 Year Fixed Rate Discount Rate $150k+ <80% LVR (Investor)
Special offer for new lending between $150k-$500k & under 80% LVR applied for before 30 September. $1,500 gift card offer available, terms and conditions apply.
3.99% 4.72% $300 $10 monthly ($120 p.a.) 80% More info
Bank Of Queensland Economy Home Loan - Variable (Investor)
Buy an investment property with an no frills home loan. $1,500 gift card offer available, terms and conditions apply.
4.09% 4.24% $300 $10 monthly ($120 p.a.) 90% More info
Bank of Queensland Fixed Rate Home Loan - 3 Year Fixed Rate (Investor)
A competitive 3 year fixed rate for investors.
4.29% 5.62% $300 $10 monthly ($120 p.a.) 95% More info
Bank Of Queensland Home Loan Privileges Package - Variable Home Loan ($1,000,000+ Investor)
Purchase an investment property and enjoy package discounts on rates and fees.
5.03% 5.42% $0 $395 p.a. 95% More info
4.41% 5.02% $0 $395 p.a. 80% More info
Bank Of Queensland Home Loan Privileges Package - Variable Home Loan ($250,000 to $1,000,000 Investor)
Enjoy package rate discounts when you buy an investment property.
5.08% 5.47% $0 $395 p.a. 95% More info
5.43% 5.82% $0 $395 p.a. 95% More info
Bank of Queensland Standard Variable Rate Home Loan - Variable (Investor)
Purchase an investment property with this flexible home loan.
5.93% 6.09% $495 $10 monthly ($120 p.a.) 90% More info
4.29% 5.51% $0 $395 p.a. 95% More info
Bank Of Queensland Low Doc Line of Credit - Variable (Investor)
A line of credit for investment purposes for the self employed.
7.88% $995 $10 monthly ($120 p.a.) 80% More info
Bank Of Queensland Low Doc Home Loan - Variable (Investor)
An investment home loan for low doc borrowers.
7.18% 7.37% $995 $10 monthly ($120 p.a.) 80% More info
4.99% $0 $10 monthly ($120 p.a.) 90% More info
6.08% $0 $395 p.a. 90% More info
5.73% $0 $395 p.a. 90% More info
4.44% 5.63% $0 $395 p.a. 95% More info
4.44% 5.79% $300 $10 monthly ($120 p.a.) 95% More info
5.68% $0 $395 p.a. 90% More info
5.54% 6.89% $995 $10 monthly ($120 p.a.) 80% More info
5.84% 7.10% $995 $10 monthly ($120 p.a.) 80% More info
5.90% 7.23% $995 $10 monthly ($120 p.a.) 80% More info

Types of home loans available from Bank of Queensland

Bank of Queensland offers an array of home loans that may be suitable to your needs.

    • Clear Path Variable Rate Home Loan. This variable rate home loan offers a competitive interest rate and has free redraw facilities, a 100% offset account as well as a split loan facility. There's no application fee, and the loan offers a loan-to-value ratio (LVR) of up to 95%.

The Clear Path Variable Rate Home Loan

  • Standard Variable Home Loan. A traditional home loan that also has many features, including a 100% offset account and flexible repayment and redraw options. The loan offers an LVR of up to 95%, and borrowers can also benefit from an interest-only period.
  • Economy Home Loan. This no frills, low-cost home loan can save on the costs of features you may not need. The interest rate for this loan will always be lower than BOQ’s standard variable rate, and the loan has a maximum LVR of 95%.
  • Line of Credit Facility. Suitable for the active investor, BOQ’s Line of Credit Facility allows you to redraw on your available credit as often as you like with an instant line of credit of $25,000 or more. You can expand your share portfolio or use this loan to make home renovations, adding value to your existing property. This loan has a 90% LVR which means you will need at least 10% of equity in your property to get started.
  • Home Loan Privileges package. Combine all your financial products with BOQ and you could be eligible for this package. You’ll be rewarded with benefits and savings for the full term of your home loan. Eligible loans include the Standard Variable Home Loan, the Fixed Rate Home Loan and the line of credit facility. The package is available for individual and joint borrowers, as well as trusts and companies. You can also benefit from discounts across a range of BOQ products.
  • Low Doc Home Loan. If you’re self-employed with an income as well as assets, then BOQ has options. You don’t have to supply standard income verification documents and if you are applying for a standard variable rate, Line of Credit or Fixed Rate home loan, you could be eligible. If you choose the low doc option, you’ll only be allowed to borrow up to 80% LVR with BOQ.
  • First-Start Home Loan. This home loan is suitable for first home buyers. It offers a discount off the standard variable rate for the first year so you can settle into your first home ,as well as a higher 95% LVR which means you only need a 5% deposit. You can also save money on interest with a 100% offset account and the ability to make additional repayments.

About a Bank of Queensland Home Loans

How to apply for a BOQ home loan

If you think a BOQ home loan is suitable for you, please click in the applicable home loan in the table above. You’ll then be directed to the review of that particular home loan. After reading the review, if you still want to apply please click ‘enquire now’ and you’ll be safely redirected to the BOQ enquiry page where you can fill in your information and a BOQ consultant will get back to you. The form should only take about 5-10 minutes to complete and please have the following information ready.

  • Personal details
  • Some financial details
  • Type of loan required
  • Loan amount
  • The best time to contact you

If you have compared the options available to you, and want to enquire about one of these home loans, please click the 'Enquire' or 'Go to site' buttons to start the application process.

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This page was last modified on 10 November 2016 at 9:41.

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28 Responses to Bank Of Queensland Home Loans

  1. Default Gravatar
    Jana | April 6, 2016

    Hello,
    I would like to apply for vacant land loan.
    Could you please let me know if you offer such a loan and if yes how can I apply?
    Thanks

    • Staff
      Belinda | April 7, 2016

      Hi Jana,

      Thanks for reaching out.

      finder.com.au is an online comparison service so we are not a lender and we don’t provide loans ourselves. However, you can learn more about vacant home loans on this page.

      Please keep in mind that these types of loan typically have a lower loan-to-value (LVR) ratio due to the conservative approach that lenders have for vacant land loans.

      If you’d like to discuss your eligibility for a vacant land home loan, please get in touch with a mortgage broker to discuss your options.

      All the best,
      Belinda

  2. Default Gravatar
    Rachel | March 1, 2016

    I am looking for a land loan. Could you point me in the direction with information.
    Thank you

    • Staff
      Belinda | March 2, 2016

      Hi Rachel,

      Thanks for getting in touch.

      You might be interested to read our page about vacant land home loans and you can compare a range of construction loans on this page.

      Keep in mind that lenders often take a conservative approach towards vacant land and construction home loans and they may offer a lower maximum LVR compared to traditional home loans. As a result, you may need to complete a larger deposit in order to be approved.

      All the best,
      Belinda

  3. Default Gravatar
    ED | February 7, 2016

    Hi,

    I’m looking for a suitable home loan as a first home buyer. Would a broker get a better deal if I use one or I can get the same deal if I do it myself direct to the bank?

    Regards

    • Staff
      Marc | February 8, 2016

      Hi Ed,
      thanks for the question.

      Brokers can sometimes get access to special broker only rates, but on the flip side, some online lenders only deal with consumers, not brokers. It might be a good idea to compare rates and see what deals are available and then speak to a broker once you’re aware of the rates on offer. This way you can be sure you get the best deal for you.

      I hope this helps,
      Marc.

  4. Default Gravatar
    Lee | June 30, 2015

    hi
    could you kindly advise if i would be able to apply today for the 3.99% fixed for 3 years mortgage amount 399,000 house value 550,000
    Closest lender is Maquarie @4.1%

    • Staff
      Jodie | June 30, 2015

      Hi Lee,

      Thank you for your comment.

      You have reached finder.com.au which is a financial comparison website, please click on the “Go to site” button above in order to contact Bank of Queensland directly. But please note that their special offer on their 3 years fixed rate ends tonight, 30th June 2015, so if you would like to take advantage of the current interest rate you will need to apply today.

      Regards
      Jodie

  5. Default Gravatar
    Tracy | May 26, 2015

    Hi!Im a casual employee, working 32 hrs a week currently renting and nearly finishing our lease.Is it possible for me to apply for home loan?I don’t have any savings but my husband have investments.He is not working,just me.Can we like do joint home loan?

    • Staff
      Belinda | June 1, 2015

      Hi Tracy,

      Thanks for your enquiry.

      Many lenders offer home loans for casual workers, you can find a list of brokers on this page.

      Depending on the lender, it should be possible for you to carry out a joint application.

      Thanks,
      Belinda

  6. Default Gravatar
    Craig | May 2, 2015

    Hello our son 22 and daughter 21 would like to purchase a home on the Gold Coast for about $475000 we are going to help them pay out their credit cards and personal loans which are small amounts with Com bank, and give them a large deposit, I believe there is a clause on gifts from parents trying to help ?

    Kind regards

    Craig

    • Staff
      Belinda | May 5, 2015

      Hi Craig,

      Thanks for your question.

      In some cases, lenders, such as Bank of Queensland (BOQ) accept non-refundable gifts to go towards a deposit. However, BOQ will treat each application on a case-by-case basis so you will need to get in touch with BOQ directly to discuss your children’s application.

      I hope you find this useful.

      Thanks,
      Belinda

  7. Default Gravatar
    Colin | February 16, 2015

    what are the new interest rates after the last interest rate drop?

    • Staff
      Shirley | February 17, 2015

      Hi Colin,

      Thanks for your question.

      Bank of Queensland have announced that they will pass a -0.25% cut of their SVR, effective from February 24, 2015. At the time of writing the SVR is 6.01% p.a.

      Cheers,
      Shirley

  8. Default Gravatar
    Retired | December 30, 2014

    Does the bank do a part purchase of a property?

    • Staff
      Shirley | December 30, 2014

      Hi Retired,

      Thanks for your question.

      Yes Bank of Queensland can facilitate a part purchase of a property. Please get in touch with them directly to discuss what options are available to you.

      Cheers,
      Shirley

  9. Default Gravatar
    Jules | October 28, 2014

    My mother aged 70yrs is moving to Australia from NZ. She will bring with her $300K for a new home but will be about $50k short. She is on NZ Superannuation and qualifies for the aged pension here (approx $870 fortnight). Would she qualify for a home loan for the shortfall or would her age prevent this?

    • Staff
      Shirley | October 29, 2014

      Hi Jules,

      Thanks for your question.

      These types of applications are handled on a case by case basis, so it’s best to get in touch with BoQ directly to enquire about your mother’s eligibility. BoQ will look at your mother’s situation and assess her against their lending criteria.

      Cheers,
      Shirley

  10. Default Gravatar
    Mohammad | August 3, 2014

    I am a casual employer is possible to apply for home loan ‘ from BOQ
    If it is possible how much deposit do I have to have to apply for a Home loan a bout $350,000

    • Staff
      Shirley | August 4, 2014

      Hi Mohammad,

      Usually you need a 20% deposit for a home loan if you don’t want to pay LMI. This will be around $70,000 for a deposit.

      If you don’t mind paying LMI, please refer to the ‘Max LVR’ in our home loan reviews. For example, the BoQ Clear Path has a Max LVR of 95% at the time of writing, which means you need a 5% deposit.

      Generally you need to be in full time employment to be eligible for a home loan, but you’ll need to check the eligibility requirements to confirm this.

      Cheers,
      Shirley

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