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 of at least $150,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan up to with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan up to with an LVR below 90%
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 up to with an LVR below 90%
The details shown below are for an investor taking out a interest only loan up to with an LVR below 80%
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 | 80%-90% | $150,000 | |
|
|
Owner Occupier | Principal & Interest | 90%-95% | ||
|
|
Owner Occupier | Interest Only | < 90% | ||
|
|
Investor | Interest Only | < 80% | $150,000 | |
|
|
Investor | Principal & Interest | < 80% | $150,000 | |
|
|
Investor | Principal & Interest | < 90% | ||
|
|
Investor | Interest Only | < 80% |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $150,000
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $150,000
Owner Occupier (Principal & Interest)
LVR 90%-95%
Loan:
Owner Occupier (Interest Only)
LVR < 90%
Loan:
Investor (Interest Only)
LVR < 80%
Loan: $150,000
Investor (Principal & Interest)
LVR < 80%
Loan: $150,000
Investor (Principal & Interest)
LVR < 90%
Loan:
Investor (Interest Only)
LVR < 80%
Loan:
If you’re looking to purchase a new home or investment property and want the certainty of repayment for a set length of time, the BOQ fixed rate home loan has some great options across its loan terms. Owner occupiers will be able to grab a 2-year fixed rate of just 5.29% p.a. (5.06% p.a. comparison rate*), and can make extra repayments of up to $5,000 per year without incurring any penalties.
The interest rates of the BOQ fixed rate loan are scaled depending on a number of factors: the loan term, deposit amount and whether the loan is for an investment or for a home to live in. Fixed rates start from as low as 5.29% p.a. (5.06% p.a. comparison rate*) on 2-year fixed terms for owner occupiers with at least a 20% deposit.
You'll also be able to make additional repayments of up to $5,000 annually without penalty. Just keep in mind that you won’t be able to draw down on any additional repayments as the loan doesn’t have a redraw facility. There is an offset available on the 1-year fixed term for personal customers only.
There is a minimum loan amount of $150,000, a $10 monthly service fee and $450 in upfront fees to budget for.
As with most fixed rate home loans, the BOQ fixed home loan could be a good option if you want to lock in a competitive rate and know what your repayments will be month on month. There is also the option to split the loan into a fixed and variable portion if this suits your budget.
Be aware that there are a number of different fees to watch out for, such as the $300 application fee, $150 settlement fee, $10 monthly service fee and a $350 discharge fee.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.39% (4.91%*) |
|
|
5.29% (5.06%*) |
|
|
5.69% (5.11%*) |
|
|
5.99% (5.30%*) |
|
|
6.29% (5.53%*) |
|
|
n/a |
|
|
n/a |
|
|
4.69% p.a. |
|
$300.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $5,000 p.a |
|
|
no |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
none |
|
|
$2,500 refinance cashback, min $250,000, 80% LVR or less. Apply before 31 August 2022, settle by 30 November 2022. |
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.64% (5.02%*) |
|
|
5.89% (5.17%*) |
|
|
6.19% (5.37%*) |
|
|
6.44% (5.59%*) |
|
|
n/a |
|
|
n/a |
|
|
4.69% p.a. |
|
$300.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
80.00% |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $5,000 p.a |
|
|
no |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
none |
|
|
$2,500 refinance cashback, min $250,000, 80% LVR or less. Apply before 31 August 2022, settle by 30 November 2022. |
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.44% (5.01%*) |
|
|
6.24% (5.13%*) |
|
|
6.34% (5.29%*) |
|
|
6.44% (5.46%*) |
|
|
6.44% (5.59%*) |
|
|
n/a |
|
|
n/a |
|
|
4.69% p.a. |
|
$300.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
none |
|
|
none |
|
|
90.00% |
|
|
95.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $5,000 p.a |
|
|
no |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
100% offset account available on 1 year fixed rate loan. |
|
|
$2,500 refinance cashback, min $250,000, 80% LVR or less. Apply before 31 August 2022, settle by 30 November 2022. |
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.49% (5.02%*) |
|
|
6.29% (5.14%*) |
|
|
6.39% (5.31%*) |
|
|
6.49% (5.48%*) |
|
|
6.64% (5.68%*) |
|
|
n/a |
|
|
n/a |
|
|
4.69% p.a. |
|
$300.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
none |
|
|
none |
|
|
none |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $5,000 p.a |
|
|
no |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
100% offset account available on 1 year fixed rate loan. |
|
|
$2,500 refinance cashback, min $250,000, 80% LVR or less. Apply before 31 August 2022, settle by 30 November 2022. |
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.69% (5.11%*) |
|
|
5.99% (5.27%*) |
|
|
n/a |
|
|
6.69% (5.76%*) |
|
|
n/a |
|
|
n/a |
|
|
4.79% p.a. |
|
$300.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $5,000 p.a |
|
|
no |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
none |
|
|
$2,500 refinance cashback, min $250,000, 80% LVR or less. Apply before 31 August 2022, settle by 30 November 2022. |
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.54% (5.01%*) |
|
|
5.44% (5.06%*) |
|
|
5.89% (5.24%*) |
|
|
6.14% (5.42%*) |
|
|
6.44% (5.65%*) |
|
|
n/a |
|
|
n/a |
|
|
4.79% p.a. |
|
$300.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $5,000 p.a |
|
|
no |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
none |
|
|
$2,500 refinance cashback, min $250,000, 80% LVR or less. Apply before 31 August 2022, settle by 30 November 2022. |
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.74% (5.13%*) |
|
|
6.49% (5.26%*) |
|
|
6.84% (5.51%*) |
|
|
6.94% (5.71%*) |
|
|
6.94% (5.87%*) |
|
|
n/a |
|
|
n/a |
|
|
4.79% p.a. |
|
$300.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
none |
|
|
none |
|
|
none |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $5,000 p.a |
|
|
no |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
100% offset account available on 1 year fixed rate loan. |
|
|
$2,500 refinance cashback, min $250,000, 80% LVR or less. Apply before 31 August 2022, settle by 30 November 2022. |
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.74% (5.13%*) |
|
|
6.54% (5.27%*) |
|
|
7.04% (5.57%*) |
|
|
7.04% (5.75%*) |
|
|
7.04% (5.92%*) |
|
|
n/a |
|
|
n/a |
|
|
4.79% p.a. |
|
$300.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$150.00 |
|
|
n/a |
|
|
$10.00 monthly |
|
|
$350.00 |
|
none |
|
|
none |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $5,000 p.a |
|
|
no |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
100% offset account available on 1 year fixed rate loan. |
|
|
$2,500 refinance cashback, min $250,000, 80% LVR or less. Apply before 31 August 2022, settle by 30 November 2022. |
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.
BOQ Moreyfield Qld was excellent in what they could offer in mortgage rates. They went out of their way to be of assistance. Nothing was too much of a problem and I couldn’t recommend them enough.
Read full reviewBOQ Moreyfield Qld was excellent in what they could offer in mortgage rates. They went out of their way to be of assistance. Nothing was too much of a problem and I couldn’t recommend them enough.
Have asked a number of times for my loan to be reviewed and never had any further contact from the bank. Yes they helped me with my initial loan but have been no help since.
Read full reviewHave asked a number of times for my loan to be reviewed and never had any further contact from the bank. Yes they helped me with my initial loan but have been no help since.
Spent months back and forth,ridiculous paperwork requests. Rates ,charges ect. changed on every contact. Could not answer any questions. Requested business structure changes. No idea of what they required. Time wasters with no results. Avoid this bank. If they can't organise a applicant,god help you if they have your mortgage
Read full reviewSpent months back and forth,ridiculous paperwork requests. Rates ,charges ect. changed on every contact. Could not answer any questions. Requested business structure changes. No idea of what they required. Time wasters with no results. Avoid this bank. If they can't organise a applicant,god help you if they have your mortgage
Customer service.
Read full reviewCustomer service has been helpful in the past however interest rate is still quite high for the current market at 3.8%.
Read full reviewCustomer service has been helpful in the past however interest rate is still quite high for the current market at 3.8%.
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4.22% p.a.
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3.49% p.a.
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.
