Bank of Queensland Fixed Rate (Privileges Package)

This product is available in different versions. Pick the right version for you here.

The details shown below are for an owner occupier taking out a principal & interest loan of at least $300,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $999,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $1,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $249,999 with an LVR below 70%

The details shown below are for an owner occupier taking out a interest only loan between $250,000 and $999,999 with an LVR below 70%

The details shown below are for an owner occupier taking out a interest only loan of at least $1,000,000 with an LVR below 70%

The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $250,000 and $999,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan of at least $1,000,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $150,000 and $249,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $250,000 and $999,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan of at least $1,000,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $300,000

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $150,000

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $150,000 $249,999

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $250,000 $999,999

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $1,000,000

  • Owner Occupier (Interest Only)

    LVR < 70%

    Loan: $150,000 $249,999

  • Owner Occupier (Interest Only)

    LVR < 70%

    Loan: $250,000 $999,999

  • Owner Occupier (Interest Only)

    LVR < 70%

    Loan: $1,000,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $150,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $150,000 $249,999

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $250,000 $999,999

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $1,000,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000 $249,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $250,000 $999,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $1,000,000

2.99% p.a.

4.84% p.a.

$395.00 yearly

Bank of Queensland Fixed Rate (Privileges Package)

2.99% p.a.

4.84% p.a.

$395.00 yearly

3.19% p.a.

4.90% p.a.

$395.00 yearly

Bank of Queensland Fixed Rate (Privileges Package)

3.19% p.a.

4.90% p.a.

$395.00 yearly

4.29% p.a.

5.18% p.a.

$395.00 yearly

Bank of Queensland Fixed Rate (Privileges Package)

4.29% p.a.

5.18% p.a.

$395.00 yearly

4.29% p.a.

4.94% p.a.

$395.00 yearly

Bank of Queensland Fixed Rate (Privileges Package)

4.29% p.a.

4.94% p.a.

$395.00 yearly

4.29% p.a.

4.90% p.a.

$395.00 yearly

Bank of Queensland Fixed Rate (Privileges Package)

4.29% p.a.

4.90% p.a.

$395.00 yearly

4.39% p.a.

5.54% p.a.

$395.00 yearly

Bank of Queensland Fixed Rate (Privileges Package)

4.39% p.a.

5.54% p.a.

$395.00 yearly

4.39% p.a.

5.29% p.a.

$395.00 yearly

Bank of Queensland Fixed Rate (Privileges Package)

4.39% p.a.

5.29% p.a.

$395.00 yearly

4.39% p.a.

5.25% p.a.

$395.00 yearly

Bank of Queensland Fixed Rate (Privileges Package)

4.39% p.a.

5.25% p.a.

$395.00 yearly

3.79% p.a.

5.49% p.a.

$395.00 yearly

Bank of Queensland Fixed Rate (Privileges Package)

3.79% p.a.

5.49% p.a.

$395.00 yearly

3.69% p.a.

5.47% p.a.

$395.00 yearly

Bank of Queensland Fixed Rate (Privileges Package)

3.69% p.a.

5.47% p.a.

$395.00 yearly

4.39% p.a.

5.65% p.a.

$395.00 yearly

Bank of Queensland Fixed Rate (Privileges Package)

4.39% p.a.

5.65% p.a.

$395.00 yearly

4.39% p.a.

5.41% p.a.

$395.00 yearly

Bank of Queensland Fixed Rate (Privileges Package)

4.39% p.a.

5.41% p.a.

$395.00 yearly

4.39% p.a.

5.37% p.a.

$395.00 yearly

Bank of Queensland Fixed Rate (Privileges Package)

4.39% p.a.

5.37% p.a.

$395.00 yearly

4.49% p.a.

5.96% p.a.

$395.00 yearly

Bank of Queensland Fixed Rate (Privileges Package)

4.49% p.a.

5.96% p.a.

$395.00 yearly

4.49% p.a.

5.72% p.a.

$395.00 yearly

Bank of Queensland Fixed Rate (Privileges Package)

4.49% p.a.

5.72% p.a.

$395.00 yearly

4.49% p.a.

5.68% p.a.

$395.00 yearly

Bank of Queensland Fixed Rate (Privileges Package)

4.49% p.a.

5.68% p.a.

$395.00 yearly

Mozo Review   Bank of Queensland Fixed Rate (Privileges Package) Review

Last updated: 1 August 2019.

What's hot:
  • As low as 2.99% fixed 3 year rate (4.84% comparison rate*) for owner occupiers

  • Free extra repayments, up to $5,000 p.a.

  • 100% offset account available on 1 year fixed rate loan

What's not:
  • $395 annual service fee

  • $320 discharge fee

Mozo snapshot:

Looking to take out a large loan without the high interest rates? The Bank of Queensland Fixed Rate (Privileges Package) home loan may be just what you’re after. The home loan comes with competitive rates starting from 2.99% (4.84% comparison rate*) for owner occupiers and 3.69% (5.47% comparison rate*) for investors over a three year term. For some of its options, there isn’t a maximum limit for how much you can borrow (min. limits apply).

And if you choose a one-year fixed rate, you’ll even be able to open a 100% offset account, which means you can cut down on the interest you pay by putting extra funds or income into the account. 

Key features:

The Bank of Queensland Fixed Rate (Privileges Package) home loan is available to both owner occupiers and investors, and comes with low fixed three-year rates starting at 2.99% (4.84% comparison rate*) and 3.69% (5.47% comparison rate*) respectively. On top of this, you’ll enjoy no application, legal and valuation fees, although you will need to factor in a $150 settlement fee, $320 discharge fee and a $395 annual service fee.  

The Bank of Queensland Fixed Rate (Privileges Package) home loan offers numerous rate tiers, depending on your LVR, loan amount and what type of borrower you are. This means, according to your circumstances, you could borrow anywhere from $150,000 up to over $1,000,000, with a deposit of 10% or more. 

For one-year fixed rate loans, you’ll have the option of opening a 100% offset account, allowing you to reduce the amount of interest you have to pay. However, the offset account doesn’t come with any other loan periods. 

But no matter how long you lock it in for, the Bank of Queensland Fixed Rate (Privileges Package) home loan lets you choose between repayments on a weekly, fortnightly or monthly basis. You’ll also be able to make free extra repayments, up to $5,000 a year during the fixed period. But bear in mind this home loan doesn’t have any redraw facility, so if you decide to make extra repayments, you won’t be able to redraw the money.

Who it's good for:

The Bank of Queensland Fixed Rate (Privileges Package) home loan could be a great choice for borrowers seeking large loans who also want the certainty of locking in a competitive rate. 

Any catches?

You will need to pay a $395 service fee every year over the life of the loan, as well as a $150 settlement fee. And once you pay off your mortgage, you’ll also need to factor in the $320 discharge fee as a final cost.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.99% (4.84%*)

  • n/a

  • n/a

  • n/a

  • n/a

  • 4.98% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $320.00

Other financial bits
  • $300,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $5,000

  • no

  • no

  • none

  • yes

  • no

  • none

  • 100% offset account available on 1 year fixed rate loan.

*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.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.64% (5.24%*)

  • 3.34% (5.07%*)

  • 3.19% (4.90%*)

  • n/a

  • 3.99% (4.96%*)

  • n/a

  • n/a

  • 4.98% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $320.00

Other financial bits
  • $150,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $5,000

  • no

  • no

  • none

  • yes

  • no

  • none

  • 100% offset account available on 1 year fixed rate loan.

*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.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 4.09% (5.28%*)

  • 4.19% (5.22%*)

  • 4.29% (5.18%*)

  • 4.39% (5.17%*)

  • 4.49% (5.17%*)

  • n/a

  • n/a

  • 4.98% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $320.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $5,000

  • no

  • no

  • none

  • yes

  • no

  • none

  • 100% offset account available on 1 year fixed rate loan.

*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.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 4.09% (4.97%*)

  • 4.19% (4.95%*)

  • 4.29% (4.94%*)

  • 4.39% (4.94%*)

  • 4.49% (4.97%*)

  • n/a

  • n/a

  • 4.63% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $320.00

Other financial bits
  • $250,000

  • $999,999

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $5,000

  • no

  • no

  • none

  • yes

  • no

  • none

  • 100% offset account available on 1 year fixed rate loan.

*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.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 4.09% (4.93%*)

  • 4.19% (4.91%*)

  • 4.29% (4.90%*)

  • 4.39% (4.91%*)

  • 4.49% (4.94%*)

  • n/a

  • n/a

  • 4.58% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $320.00

Other financial bits
  • $1,000,000

  • none

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $5,000

  • no

  • no

  • none

  • yes

  • no

  • none

  • 100% offset account available on 1 year fixed rate loan.

*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.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 4.19% (5.70%*)

  • 4.29% (5.60%*)

  • 4.39% (5.54%*)

  • 4.49% (5.49%*)

  • 4.59% (5.46%*)

  • n/a

  • n/a

  • 5.44% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $320.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 70.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $5,000

  • no

  • no

  • none

  • yes

  • no

  • none

  • 100% offset account available on 1 year fixed rate loan.

*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.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 4.19% (5.39%*)

  • 4.29% (5.33%*)

  • 4.39% (5.29%*)

  • 4.49% (5.27%*)

  • 4.59% (5.27%*)

  • n/a

  • n/a

  • 5.09% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $320.00

Other financial bits
  • $250,000

  • $999,999

  • none

  • 70.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $5,000

  • no

  • no

  • none

  • yes

  • no

  • none

  • 100% offset account available on 1 year fixed rate loan.

*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.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 4.19% (5.35%*)

  • 4.29% (5.29%*)

  • 4.39% (5.25%*)

  • 4.49% (5.24%*)

  • 4.59% (5.24%*)

  • n/a

  • n/a

  • 5.04% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $320.00

Other financial bits
  • $1,000,000

  • none

  • none

  • 70.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $5,000

  • no

  • no

  • none

  • yes

  • no

  • none

  • 100% offset account available on 1 year fixed rate loan.

*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.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.79% (5.49%*)

  • n/a

  • 4.19% (5.39%*)

  • n/a

  • n/a

  • 5.61% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $320.00

Other financial bits
  • $150,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $5,000

  • no

  • no

  • none

  • yes

  • no

  • none

  • 100% offset account available on 1 year fixed rate loan.

*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.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.74% (5.63%*)

  • 3.69% (5.47%*)

  • n/a

  • 4.09% (5.35%*)

  • n/a

  • n/a

  • 5.61% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $320.00

Other financial bits
  • $150,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $5,000

  • no

  • no

  • none

  • yes

  • no

  • none

  • 100% offset account available on 1 year fixed rate loan.

*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.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 4.19% (5.85%*)

  • 4.29% (5.74%*)

  • 4.39% (5.65%*)

  • 4.49% (5.60%*)

  • 4.59% (5.56%*)

  • n/a

  • n/a

  • 5.61% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $320.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $5,000

  • no

  • no

  • none

  • yes

  • no

  • none

  • 100% offset account available on 1 year fixed rate loan.

*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.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 4.19% (5.54%*)

  • 4.29% (5.46%*)

  • 4.39% (5.41%*)

  • 4.49% (5.38%*)

  • 4.59% (5.36%*)

  • n/a

  • n/a

  • 5.26% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $320.00

Other financial bits
  • $250,000

  • $999,999

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $5,000

  • no

  • no

  • none

  • yes

  • no

  • none

  • 100% offset account available on 1 year fixed rate loan.

*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.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 4.19% (5.50%*)

  • 4.29% (5.42%*)

  • 4.39% (5.37%*)

  • 4.49% (5.35%*)

  • 4.59% (5.34%*)

  • n/a

  • n/a

  • 5.21% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $320.00

Other financial bits
  • $1,000,000

  • none

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $5,000

  • no

  • no

  • none

  • yes

  • no

  • none

  • 100% offset account available on 1 year fixed rate loan.

*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.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 4.29% (6.21%*)

  • 4.39% (6.07%*)

  • 4.49% (5.96%*)

  • 4.59% (5.88%*)

  • 4.69% (5.82%*)

  • n/a

  • n/a

  • 6.01% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $320.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $5,000

  • no

  • no

  • none

  • yes

  • no

  • none

  • 100% offset account available on 1 year fixed rate loan.

*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.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 4.29% (5.90%*)

  • 4.39% (5.80%*)

  • 4.49% (5.72%*)

  • 4.59% (5.66%*)

  • 4.69% (5.63%*)

  • n/a

  • n/a

  • 5.66% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $320.00

Other financial bits
  • $250,000

  • $999,999

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $5,000

  • no

  • no

  • none

  • yes

  • no

  • none

  • 100% offset account available on 1 year fixed rate loan.

*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.

Details

Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 4.29% (5.86%*)

  • 4.39% (5.76%*)

  • 4.49% (5.68%*)

  • 4.59% (5.63%*)

  • 4.69% (5.60%*)

  • n/a

  • n/a

  • 5.61% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $320.00

Other financial bits
  • $1,000,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $5,000

  • no

  • no

  • none

  • yes

  • no

  • none

  • 100% offset account available on 1 year fixed rate loan.

*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.

Customer Reviews

How are Bank of Queensland home loans rated by the Mozo community?

Overall customer rating
7.6/10
Price
7.2/10
Features
6.8/10
Customer service
7.9/10
Convenience
7.8/10
Trust
7.7/10

Latest reviews of Bank of Queensland Fixed Rate (Privileges Package)

  • Overall
    3/10
    Whats online summary??

    Wish i really looked into a bank before i fixed contracts with BOQ. The trust was lost on the...

    Wish i really looked into a bank before i fixed contracts with BOQ. The trust was lost on the first day after signing contracts.

    Price
    6/10
    Features
    4/10
    Customer service
    3/10
    Convenience
    2/10
    Trust
    1/10

    Nicole | New South Wales

    reviewed over 3 years ago

  • Overall
    9/10
    Great customer service

    You always get personal service and they do everything to help your particular situation

    You always get personal service and they do everything to help your particular situation

    Price
    9/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    10/10

    Fairlie | Queensland

    reviewed over 3 years ago

  • Overall
    10/10
    Great customer service

    Great bank manger services and face to face contact out of hours if needed.

    Great bank manger services and face to face contact out of hours if needed.

    Price
    8/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    10/10

    Tiffany | Queensland

    reviewed about 4 years ago

  • Overall
    10/10
    Excellent customer service

    This product is good for those people not looking to sell in the period of the fixed loan period....

    This product is good for those people not looking to sell in the period of the fixed loan period. Very competitive rate.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Jeffrey | Queensland

    reviewed over 6 years ago

  • Overall
    10/10
    Awesome customer service and brilliant rates.

    The level of care from the bank manager, Helen, was brilliant she went above and beyond what we...

    The level of care from the bank manager, Helen, was brilliant she went above and beyond what we expected while applying for our home loan.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Nicholas | Queensland

    reviewed over 7 years ago

Bank of Queensland

About Bank of Queensland

Bank of Queensland is Australia's fastest growing retail bank, and has come a long way from its origins as a regional Queensland bank. BOQ today boasts a wide array of banking services and 200 branches around Australia. Bank of Queensland aims to give you greater control over the management of your finances and offers everyday banking products including credit cards, home loans, term deposits, savings accounts and bank accounts.

See Bank of Queensland home loans

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loans.com.au

loans.com.au

Smart Home Loan

3.03% p.a. variable

3.05% p.a.

$520

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UBank

UBank

UHomeLoan - Discount Offer

3.09% p.a. variable

3.09% p.a.

$0

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Athena

Athena

Variable Home Loan

3.09% p.a. variable

3.05% p.a.

$0

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ANZ

ANZ

Simplicity PLUS

3.38% p.a. variable

3.42% p.a.

$0

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ME

ME

Flexible Home Loan (Member Package)

3.39% p.a. variable

3.83% p.a.

$200

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Suncorp

Suncorp

Back to Basics

3.29% p.a. variable

3.30% p.a.

$0

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HSBC

HSBC

Home Value Loan

3.27% p.a. variable

3.28% p.a.

$150

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Homestar

Homestar

Star Essentials Home Loan

2.99% p.a. variable

3.02% p.a.

$596

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loans.com.au

Smart Home Loan

3.03% p.a.

3.05% p.a.

$520

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UBank

UBank

UHomeLoan - Discount Offer

3.09% p.a.

3.09% p.a.

$0

Promoted

ANZ

ANZ

Simplicity PLUS

3.38% p.a.

3.42% p.a.

$0

Promoted

Athena

Athena

Variable Home Loan

3.09% p.a.

3.05% p.a.

$0

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.99% p.a.

3.02% p.a.

$596

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Bank of Queensland

Bank of Queensland

2 Year Intro Rate Variable Home Loan

3.39% p.a.variable for 24 months and then 3.86% p.a.

3.91% p.a.

$150

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HSBC

HSBC

Home Value Loan

3.27% p.a.

3.28% p.a.

$150

Promoted

Suncorp

Suncorp

Back to Basics

3.29% p.a.

3.30% p.a.

$0

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.99% p.a.
fixed 3 years

4.09% p.a.

$450

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UBank

UBank

UHomeLoan (Fixed)

2.99% p.a.
fixed 3 years

3.45% p.a.

$395

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IMB Bank

IMB Bank

Fixed Home Loan

2.99% p.a.
fixed 3 years

3.51% p.a.

$799

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loans.com.au

loans.com.au

Fixed Home Loan

3.19% p.a.
fixed 3 years

3.43% p.a.

$520

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Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

3.24% p.a.
fixed 3 years

4.15% p.a.

$0

Promoted

UBank

UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

$395

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Bank of Queensland

Bank of Queensland

Fixed Rate

3.19% p.a.
fixed 3 years

4.14% p.a.

$450

Promoted

loans.com.au

loans.com.au

Smart Loan Fixed (Package)

3.19% p.a.
fixed 3 years

3.63% p.a.

$520

*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.