Bank Of Queensland Home Loans

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

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

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

• Owner Occupier home loans
• Investment home loans

Rates last updated August 20th, 2018

Borrowing amount

$

Period 1 year2 years5 years10 years15 years20 years25 years30 years

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Loan purpose

Show all Owner occupier Investment Construction

Offset account

Show all Yes No

Loan type

Show all Fixed Variable

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Name	Product	Interest Rate (p.a.)	Comp Rate^ (p.a.)	Application Fee	Ongoing Fees	Max LVR	Monthly Payment	Short Description
Bank Of Queensland Economy Home Loan - Variable (Owner Occupier, P&I)		3.88%	4.04%	$300	$10 monthly ($120 p.a.)	80%		Take advantage of a basic no-frills home loan with extra repayments and fee free redraw.	More info	Compare	loading Fetching your data...
Bank of Queensland Fixed Rate Home Loan - 3 Year Fixed Rate Discount Rate $150k+ <80% LVR (Owner Occupier, P&I)		3.87%	4.53%	$300	$10 monthly ($120 p.a.)	80%		This fixed rate loan includes a special offer for new lending of $150000 with an LVR of 80% or less. Offer extended.	More info	Compare	loading Fetching your data...
Bank of Queensland Clear Path Variable Rate Home Loan - Variable (Owner Occupier, P&I)		4.56%	4.69%	$0	$10 monthly ($120 p.a.)	95%		A low interest rate home loan with no application fee. Borrow up to 95% of house valuation.	More info	Compare	loading Fetching your data...
Bank of Queensland Fixed Rate Home Loan - 2 Year Fixed Rate (Owner Occupier, P&I)		4.19%	5.56%	$300	$10 monthly ($120 p.a.)	95%		A competitive two year fixed rate.	More info	Compare	loading Fetching your data...
Bank of Queensland Fixed Rate Home Loan - 3 Year Fixed Rate (Owner Occupier, P&I)		4.39%	5.49%	$300	$10 monthly ($120 p.a.)	95%		Refinance or fix your new home loan for 3 years to secure a low interest rate. Low doc option available.	More info	Compare	loading Fetching your data...
Bank of Queensland Fixed Rate Home Loan - 1 Year Fixed Rate (Owner Occupier, P&I)		4.09%	5.69%	$300	$10 monthly ($120 p.a.)	95%		Fixed rate home loan for 1 year which includes an offset account.	More info	Compare	loading Fetching your data...
Bank of Queensland Discount Variable Rate Home Loan - Variable (Owner Occupier)		4.18%	4.80%	$0	$395 p.a.	80%		Enjoy a discounted rate home loan with 100% offset account for borrowings of $1,000,000 plus.	More info	Compare	loading Fetching your data...
Bank of Queensland Standard Variable Rate Home Loan - Variable (Owner Occupier, P&I)		5.70%	5.86%	$495	$10 monthly ($120 p.a.)	95%		A no frills variable rate home loan with mortgage offset account.	More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - 3 Year Fixed (Owner Occupier, P&I)		4.39%	5.38%	$0	$395 p.a.	95%		Fix in a rate for three years and avoid fluctuations in repayments.	More info	Compare	loading Fetching your data...
Bank of Queensland Line of Credit - (Owner Occupier, IO)		7.29%		$0	$10 monthly ($120 p.a.)	80%		Borrow up to 80% LVR with no application fee and low monthly keeping fee.	More info	Compare	loading Fetching your data...
Bank Of Queensland Bridging Finance Loan		7.29%		$495	$0 p.a.			Get finance for your new home while you organise the sale of your old one.	More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - Line of Credit Facility ($150,000 to $250,000 Owner Occupier, IO)		6.64%		$0	$395 p.a.	80%		Get access to your equity for a range of reasons.	More info	Compare	loading Fetching your data...
Bank of Queensland First-Start Home Loan - (Owner Occupier, P&I)		4.70%	5.76%	$495	$10 monthly ($120 p.a.)	98%		Enjoy a lower rate on you home loan for the first 12 months.	More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - 4 Year Fixed (Owner Occupier, P&I)		4.39%	5.31%	$0	$395 p.a.	95%		A fixed package home loan with package benefits.	More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - 2 Year Fixed (Owner Occupier, P&I)		4.19%	5.41%	$0	$395 p.a.	95%		A two year fixed rate with rate and fee discounts.	More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - Standard Variable ($150,000 to $250,000 Owner Occupier, P&I)		5.20%	5.59%	$0	$395 p.a.	95%		Take advantage of rate discounts as part of this package discount.	More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - Line of Credit Facility ($250,000 to $1,000,000 Owner Occupier, IO)		6.29%		$0	$395 p.a.	80%		Enjoy a lower rate when accessing your home equity.	More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - Standard Variable ($250,000 to $1,000,000 Owner Occupier, P&I)		4.85%	5.25%	$0	$395 p.a.	95%		A variable rate package loan with rate and fee discounts.	More info	Compare	loading Fetching your data...
Bank Of Queensland Clear Path Line of Credit - Variable (Owner Occupier and IO)		5.50%		$0	$10 monthly ($120 p.a.)	80%			More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - Standard Variable ($1,000,000+ Owner Occupier, P&I)		4.80%	5.20%	$0	$395 p.a.	95%		Earn a large package discount for borrowing over $1 million.	More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - 1 Year Fixed (Owner Occupier, P&I)		4.09%	5.49%	$0	$395 p.a.	95%		Lock in a discounted fixed rate for one year.	More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - Line of Credit Facility ($1,000,000+ Owner Occupier, IO)		6.24%		$0	$395 p.a.	80%		A line of credit facility with package discounts.	More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - 5 Year Fixed (Owner Occupier, P&I)		4.49%	5.30%	$0	$395 p.a.	95%		Lock in a rate for five years and enjoy package discounts.	More info	Compare	loading Fetching your data...

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Rates last updated August 20th, 2018

Borrowing amount

$

Period 1 year2 years5 years10 years15 years20 years25 years30 years

Calculate Advanced Search

Loan purpose

Show all Owner occupier Investment Construction

Offset account

Show all Yes No

Loan type

Show all Fixed Variable

Your filter criteria do not match any product Reset

Sort by:

Name	Product	Interest Rate (p.a.)	Comp Rate^ (p.a.)	Application Fee	Ongoing Fees	Max LVR	Monthly Payment	Short Description
Bank of Queensland Fixed Rate Home Loan - 2 Year Fixed Rate Discount Rate $150k+ <80% LVR (Investor, P&I)		4.04%	5.12%	$300	$10 monthly ($120 p.a.)	80%		A flexible, competitive fixed rate loan that allows for extra repayments.	More info	Compare	loading Fetching your data...
Bank of Queensland Fixed Rate Home Loan - 3 Year Fixed Rate Discount Rate $150k+ <80% LVR (Investor, P&I)		4.14%	5.06%	$300	$10 monthly ($120 p.a.)	80%		Special offer for new lending between $150k-$500k & under 80% LVR.	More info	Compare	loading Fetching your data...
Bank Of Queensland Economy Home Loan - Variable (Investor, P&I)		4.24%	4.39%	$300	$10 monthly ($120 p.a.)	80%		Get a competitive investment home loan rate without expensive features you may not need.	More info	Compare	loading Fetching your data...
Bank of Queensland Fixed Rate Home Loan - 3 Year Fixed Rate (Investor, P&I)		4.39%	5.93%	$300	$10 monthly ($120 p.a.)	90%		A competitive 3 year fixed rate for investors.	More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - Variable Home Loan ($1,000,000+ Investor, P&I)		5.43%	5.82%	$0	$395 p.a.	95%		Purchase an investment property and enjoy package discounts on rates and fees.	More info	Compare	loading Fetching your data...
Bank of Queensland Discount Variable Rate Home Loan - Variable (Investor)		4.81%	5.42%	$0	$395 p.a.	80%			More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - Variable Home Loan ($250,000 to $1,000,000 Investor, P&I)		5.48%	5.87%	$0	$395 p.a.	95%		Enjoy package rate discounts when you buy an investment property.	More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - Variable Home Loan ($150,000 to $250,000 Investor, P&I)		5.83%	6.21%	$0	$395 p.a.	95%		A package loan with rate discounts.	More info	Compare	loading Fetching your data...
Bank of Queensland Standard Variable Rate Home Loan - Variable (Investor, P&I)		6.33%	6.49%	$495	$10 monthly ($120 p.a.)	90%		Purchase an investment property with this flexible home loan.	More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - 3 Year Fixed (Investor, P&I)		4.39%	5.82%	$0	$395 p.a.	90%			More info	Compare	loading Fetching your data...
Bank Of Queensland Clear Path Line of Credit - Variable (Investor, IO)		5.94%		$0	$10 monthly ($120 p.a.)	80%			More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - Line of Credit Facility ($150,000 to $250,000 Investor, IO)		7.03%		$0	$395 p.a.	80%		Access your equity for investment purposes.	More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - Line of Credit Facility ($250,000 to $1,000,000 Investor, IO)		6.68%		$0	$395 p.a.	80%		A line of credit with a competitive interest rate.	More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - 2 Year Fixed (Investor, P&I)		4.39%	5.94%	$0	$395 p.a.	90%			More info	Compare	loading Fetching your data...
Bank of Queensland Fixed Rate Home Loan - 2 Year Fixed Rate (Investor, P&I)		4.39%	6.10%	$300	$10 monthly ($120 p.a.)	90%			More info	Compare	loading Fetching your data...
Bank Of Queensland Home Loan Privileges Package - Line of Credit Facility ($1,000,000+ Investor, IO)		6.63%		$0	$395 p.a.	80%		An investment line of credit facility with rate discounts.	More info	Compare	loading Fetching your data...

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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 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.