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  • BOQ BSB

Home loans from the
human kind of bank.

Whether you’re buying your first home, refinancing, or investing,
BOQ’s here to help.

Enquire now
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Our savings account with no fuss and no hoops, just simple savings

Simple Saver Account

4.55 % P.A.
Apply online

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Platinum Visa Credit Card

Get the lot (and more) – for surprisingly little.

Earn 100,000 bonus Q Rewards® points2

Platinum Visa Credit Card

Get the lot (and more) – for surprisingly little.

Earn 100,000 bonus Q Rewards® points2

Learn more

Spend criteria, terms and conditions apply. New customers only.

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BOQ Future Saver

High interest savings account for customers aged 14 - 35 years.

BOQ Future Saver

High interest savings account for customers aged 14 - 35 years.

5.25 % P.A.
Bonus interest rate for balances up to $50,000*
Learn more

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Everyday banking with BOQ

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Watch your money grow with our high interest term deposit account

Term Deposits

4.00 % P.A.
12 month fixed term deposit from $5,000

View Term Deposits

BOQ Business accounts

Important changes for BOQ Business Banking customers.

We are making some changes to the BOQ Business Facility General Conditions.

Read changes
Home loans

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GET INTO YOUR HOME FASTER WITH IMPRESSIVELY LOW RATES

Economy Variable Home Loan

5.88 % p.a.
For owner occupiers
6.01 % p.a.
Comparison Rate^

Terms and conditions apply

View Home Loans

 $2,000 cashback offer

Get $2000 cashback when you refinance your home loan to BOQ

Terms and conditions apply^^

View offer
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Blue Visa Credit Card

0% p.a. on purchases and balance transfers for 9 months. Terms and conditions apply1

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Apply for a credit card

Apply online now
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Jellina White
For us, successful banking is all about building relationships and understanding our customer's needs, whatever they are.
Jellina White Executive Branch Manager, Gympie

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Financial hardship

Find out how we can help support you during difficult times.

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Navigating interest rate changes

Explore our hub for useful home loan guides and easy to use tools.

Find out how

Latest blog articles

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Home loan fixed rate ending soon? Know your options

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Your guide to entertaining on a budget

making a decision on your home loan

Fixed or variable: which home loan should you choose?

See more
  • Important Information
    1. Credit provided by Bank of Queensland Limited ABN 32 009 656 740 (Australian Credit Licence Number 244616) (BOQ). Fees and charges payable. BOQ's standard credit assessment criteria apply. Full terms and conditions are available at any BOQ branch. Interest rates quoted are indicative only, and are subject to change without notice. 

      ^Comparison rates calculated on the basis of a secured loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed interest only loans are based on an initial Interest Only period equal in length to the fixed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

    2. ^^ Special limited time $2,000 cashback offer only available for new refinance applications received from 8 September 2023 and up to 15 August 2024, and settle within 120 days of the loan application date. After 15 August 2024, this offer will no longer be available. This offer is open to Australian residents aged 18 and over who are personal customers taking out a new home loan with BOQ, refinanced from another financial institution. Offer available on BOQ’s Clear Path, Economy, or Fixed Rate home loan products only. Minimum total new lending of at least $250,000. Maximum loan-to-value ratio (LVR) of 80%. Not available for the refinance, restructure or switches of home loans within BOQ Group, which includes BOQ, BOQ Specialist, ME Bank and Virgin Money (Australia). An applicant will be eligible for a maximum of one refinance cashback payment, regardless of the number of loan applications they are party to, provided the total amount drawn at settlement across all loans is at least $250,000. Customers who have received a refinance cashback payment from within the BOQ Group within the 12 months prior to their loan application date will be ineligible for this offer. The cashback will be paid to the applicant’s BOQ transaction account within 30 days of the settlement date. For multiple home loan applicants the BOQ account needs to be in the name of at least one of the home loan applicants and the cashback will be paid only once to the applicants jointly. If you do not already have one, an eligible BOQ transaction account is required to be established. Offer current as at 17 July 2024. Applicants should seek their own tax advice in relation to the receipt of a cashback on settlement. Fees and charges payable. BOQ's standard credit assessment criteria apply. Full home loan terms and conditions are available at any BOQ branch.

    3. 2. Offer commenced 1 December 2023. 100,000 bonus Q Rewards Points will be awarded when $4,500 or more is spent on Eligible Transactions within the first 3 months from card approval. Purchases must be processed and charged to your account in the first 3 months from the account approval. Eligible Transaction is defined in the Q Rewards® Terms and Conditions and means any purchase excluding (but not limited to) cash advances, balance transfers, special promotions, BPAY payments, government related transactions and all other transactions set out within the definition. All Q Rewards® are subject to the BOQ Q Rewards® Terms and Conditions. The Q Rewards® Points will be credited to the Primary Cardholder’s Account within 60 days of meeting the spend criteria. We reserve the right to continue, withdraw or change the offer at any time. This offer is not available when closing or transferring from another BOQ branded credit card account or in conjunction with any other BOQ branded credit card offer.

    4. For Target Market Determinations please refer here.

      Bank of Queensland Credit Cards (“Credit Cards”) are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) and distributed by Bank of Queensland Limited ABN 32 009 656 740 (“BOQ”). NAB has acquired the business relating to the Credit Cards from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi") and has appointed Citi to assist to administer the Credit Cards. Our/us/we means NAB unless the context otherwise requires it.

    5. Conditions, Criteria and Fees Apply.  You should obtain and consider the relevant Product Disclosure Statement (PDS), terms and conditions and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it.  Full terms and conditions are available online or at any Bank of Queensland branch. 

    6. © 2025 Fiserv, Inc. or its affiliates. Fiserv is a trademark of Fiserv, Inc. registered or used in the United States and foreign countries, and may or may not be registered in your country. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

    7. © 2025 Clover Network, LLC. The Clover name, logo, related trademarks and service marks are owned by Clover Network, LLC, and are registered or used in the U.S. and many foreign countries. All trademarks, service marks and trade names referenced in this material are the property of their respective owners

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© 2025 Bank of Queensland Limited ABN 32 009 656 740 (BOQ) AFSL and Australian Credit Licence No 244616. | Registered Address: Level 3, 100 Skyring Terrace, Newstead, Queensland 4006.

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