Standard Variable Home Loan

A flexible home loan option that gives you all the features you’d expect, including a mortgage offset facility plus flexibility with your repayment and redraw options.


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Features and benefits


Loan term

Maximum 30 years

Minimum loan amount

No minimum

Maximum loan amount

95% of property value for owner-occupier and 90% for investment*

Repayment type

  • Principal and Interest
  • Interest Only (maximum 5 years; subject to approval)

Repayment options

  • Weekly
  • Fortnightly
  • Monthly

Additional repayments

Yes - make unlimited additional repayments any time and pay off your loan sooner.


Yes – redraw allows you to easily access your advance repayments, minimum $100. Available through Internet Banking subject to approval.

Low Doc Option


100% Mortgage Offset facility# 

Yes - personal customers only

Internet Banking


EasyPhone Banking


* Requires mortgage insurance if the amount borrowed is more than 80% of the valuation of the security property. Applies to both owner-occupied and investment loans.

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

Interest rates

The Standard Variable Housing rate and the Standard Variable Investment Housing rate is available on the Today's rates page.

Fees and charges

  • Application fee: $495
  • Home loan fee: $10.00 each month
  • Fee savings: You can nominate one of your Reverse Charges AccountTM to be free of monthly account maintenance fees.


Additional information

Valuation fees are payable. Government fees and charges apply. Fees and charges are payable. Normal 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.

How to apply

You can enquire online via BOQApply for a Standard Variable Home Loan.


Enquire online now 


Alternatively, drop into a BOQ branch and speak to someone face to face or call one of our friendly customer service consultants on 1300 55 72 72.


Important information

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