Owner Occupied Fixed Rate Home Loan

You don't need a fortune teller to find out what the future looks like. A fixed rate home loan gives you the certainty of knowing exactly what your repayments will be for the term that you choose. And with great rates across our range of terms, that certainty comes with a smile.


How to apply


 Owner Occupied Fixed Rate Home Loans
Term Interest rate % p.a. Comparison rate % p.a.^
1 year 4.39 5.50
2 years 4.19 5.37
3 years 4.29 5.29

3 year fixed discount rate *

(minimum $150k lending)

3.79 (0.50% p.a. discount) 4.33
4 years 4.14 5.15
5 years 4.29 5.11


Rates quoted are for Owner Occupied borrowing only. Investment rates can be found here. 


*Offer available for minimum $150,000 new to bank owner occupied lending only. For applications received from 16/11/2016. Maximum LVR up to 80%. Not available for the refinance or restructure of existing BOQ loans, construction home loans or Self-Managed Super Fund loans. Full terms and conditions available at any BOQ branch. Fees and charges are payable. BOQ standard credit assessment criteria applies.


Features and benefits



Loan term

Maximum 30 years

Minimum loan amount

No minimum

Maximum loan amount

95% of property value*

Repayment type

  • Principal and Interest
  • Interest Only (applies for fixed period only; subject to approval)

Repayment options

  • Weekly
  • Fortnightly
  • Monthly

Additional repayments

Yes - up to $5,000 annually



Low Doc Option Yes
Mortgage Offset facility

Yes - personal customers only on the 1 year fixed rate loan# 

Internet Banking


EasyPhone Banking


Fee savings

You can nominate one of your Reverse Charges AccountsTMto be free of monthly account maintenance fees.




* Requires mortgage insurance if the amount borrowed is more than 80% of the valuation of the security property.

# Not available on Self Managed Super Fund (SMSF) loans.


Application Fee $300
Monthly Fee $10

Valuation fees are payable. Government fees and charges apply. Fees and charges are payable. BOQ's standard credit assessment criteria apply. Full terms and conditions are available at any Bank of Queensland branch. Interest rates quoted are indicative only, and are subject to change without notice.

Bank of Queensland Limited ABN 32 009 656 740 (Australian Credit Licence Number 244616)

How to apply

Important information

Please view the terms and conditions listed below on the Terms and Conditions page: