Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | < 80% | $150,000 | |
|
|
Owner Occupier | Principal & Interest | < 95% | ||
|
|
Owner Occupier | Principal & Interest | 80%-90% | $150,000 | |
|
|
Owner Occupier | Principal & Interest | 90%-95% | $150,000 | |
|
|
Owner Occupier | Interest Only | 80%-90% | $150,000 | |
|
|
Owner Occupier | Interest Only | < 90% | ||
|
|
Owner Occupier | Interest Only | < 80% | $150,000 | |
|
|
Investor | Principal & Interest | < 80% | $150,000 | |
|
|
Investor | Principal & Interest | < 90% | ||
|
|
Investor | Principal & Interest | 80%-90% | $150,000 | |
|
|
Investor | Principal & Interest | 90%-95% | $150,000 | |
|
|
Investor | Interest Only | < 80% | $150,000 | |
|
|
Investor | Interest Only | 80%-90% | $150,000 | |
|
|
Investor | Interest Only | < 90% |
|
6.39% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.51% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
8.24% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
8.35% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
none |
|
|
none |
|
|
none |
|
|
95.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
6.64% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.76% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
80.00% |
|
|
90.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
7.74% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
7.86% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
90.00% |
|
|
95.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
7.89% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
7.19% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
80.00% |
|
|
90.00% |
|
Owner Occupier |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
8.63% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
8.74% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
none |
|
|
none |
|
|
none |
|
|
90.00% |
|
Owner Occupier |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
7.64% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
7.07% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Owner Occupier |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
6.59% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.71% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
8.87% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
8.98% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
none |
|
|
none |
|
|
none |
|
|
90.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
6.79% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.91% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
80.00% |
|
|
90.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
7.84% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
7.96% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
90.00% |
|
|
95.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
6.79% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.80% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
7.04% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.91% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
80.00% |
|
|
90.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
9.12% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
9.23% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
none |
|
|
none |
|
|
none |
|
|
90.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$100.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
We were selling our house and buying a different one a few years back and had everything sorted and dates lined up, then BOQ told us we had to sign a particular document which then had to be sent via courier up to Queensland then sent back again with a turn around of about 3 days. This delayed settlement and at the time we asked to be compensated for it, they said should be fine we'll deal with that later. Got the transfer done and suddenly BOQ claimed they had no intention of giving any compensation (I'd had to take days off work for the juggling around of paperwork etc). Reported them to the Financial Services Ombudsman and eventually got compensated. Combined with the fact that there are very few actual branches in Victoria, and the fact that having to send physical copies of documents to Queensland totally nullifies their promotional campaign of "owner managers" being able to solve all your problems and deal with you on a personal level.
Read full reviewWe were selling our house and buying a different one a few years back and had everything sorted and dates lined up, then BOQ told us we had to sign a particular document which then had to be sent via courier up to Queensland then sent back again with a turn around of about 3 days. This delayed settlement and at the time we asked to be compensated for it, they said should be fine we'll deal with that later. Got the transfer done and suddenly BOQ claimed they had no intention of giving any compensation (I'd had to take days off work for the juggling around of paperwork etc). Reported them to the Financial Services Ombudsman and eventually got compensated. Combined with the fact that there are very few actual branches in Victoria, and the fact that having to send physical copies of documents to Queensland totally nullifies their promotional campaign of "owner managers" being able to solve all your problems and deal with you on a personal level.
BOQ has good personalised service and has matched interest rates from competitors. Would be better if there were no ATM withdrawal fees as limited bank-owned ATMs, but other than that quite satisfied with the bank.
Read full reviewBOQ has good personalised service and has matched interest rates from competitors. Would be better if there were no ATM withdrawal fees as limited bank-owned ATMs, but other than that quite satisfied with the bank.
We have been with BOQ for a long time. The reason I have never changed is the personal service. I never have to show ID.
Read full reviewWe have been with BOQ for a long time. The reason I have never changed is the personal service. I never have to show ID.
Very easy to deal with, good online service and ease of use.
Read full reviewVery easy to deal with, good online service and ease of use.
Great personal one on one service from the bank manager.
Read full reviewGreat personal one on one service from the bank manager.
Great Rate Home Loan
5.99% p.a. variable
6.01% p.a.
Basic Home Loan (Fixed)
5.39% p.a.
fixed 3 years
5.95% p.a.
Home Value Loan
6.09% p.a. variable
6.09% p.a.
Express Home Loan (Fixed)
6.04% p.a.
fixed 3 years
6.21% p.a.
Basic Home Loan
6.14% p.a. variable
6.16% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.49% p.a.
fixed 3 years
6.62% p.a.
Great Rate Home Loan
5.99% p.a. variable
6.01% p.a.
Flex Home Loan
6.14% p.a. variable
6.38% p.a.
Express Home Loan
6.09% p.a. variable
6.22% p.a.
Elevate
6.18% p.a. variable
6.18% p.a.
Basic Home Loan
6.14% p.a.
6.16% p.a.
Great Rate Home Loan
5.99% p.a.
6.01% p.a.
Express Home Loan
6.09% p.a.
6.22% p.a.
OMG Home Loan
5.99% p.a.
6.02% p.a.
Elevate
6.18% p.a.
6.18% p.a.
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
Offset Home Loan (Package)
6.14% p.a.
6.39% p.a.
Basic Home Loan (Fixed)
5.39% p.a.
fixed 3 years
5.95% p.a.
Express Home Loan (Fixed)
6.04% p.a.
fixed 3 years
6.21% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.49% p.a.
fixed 3 years
6.62% p.a.
Fixed Home Loan Rate
5.59% p.a.
fixed 3 years
6.31% p.a.
Basic Home Loan (Fixed)
5.49% p.a.
fixed 3 years
6.02% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.59% p.a.
fixed 3 years
6.64% p.a.
Great Rate Home Loan
5.99% p.a.
6.01% p.a.
$0.00
Home Value Loan
6.09% p.a.
6.09% p.a.
$0.00
OMG Home Loan
5.99% p.a.
6.02% p.a.
$0.00
Express Home Loan
6.09% p.a.
6.22% p.a.
$10.00 monthly
Basic Home Loan
6.14% p.a.
6.16% p.a.
$0.00
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
