Home Loan Interest Rates - Owner Occupiers


There's nothing quite as rewarding as owning your own home. Whether you’re looking to buy your first home, buy your next home, refinance an existing loan or invest in property, BOQ has a wide range of home loan products to suit your needs. Our home loan interest rates can be viewed below for owner occupiers. 


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


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Variable Rate Home Loans*

ProductInterest Rate % p.a.^Comparison Rate % p.a.^

  Economy Variable Home Loan1 

(Principal and Interest Only)

A great standard home loan option if you're looking for a basic home loan with a low interest rate without a mortgage offset account.

3.894.04More Info
Clear Path Variable Rate Home Loan1

Enjoy our feature packed home loan with a low interest variable interest rate - awarded Money magazine's 2015 Cheapest Flexible Home Loan! 
4.474.60More Info
Clear Path Line of Credit

Access available funds up to your approved limit whenever you need it, without having to reapply each time.
4.80n/aMore Info
First-start Home Loan

Perfect for first home buyers, with a 12 month discount on the standard variable rate.
4.615.67More Info
Standard Variable Home Loan 

A fully flexible home loan with a mortgage offset facility, flexible repayment options and free redraw.
5.615.77More Info
Standard Line of Credit 

Our standard line of credit option where you can access pre-approved credit when you need it.  
6.59 n/aMore Info
Bridging Finance Home Loan 

Purchase or build your new home prior to the sale of your existing home with this flexible home loan.
6.59n/aMore Info
Low Doc Home Loan 

If you're self employed with income and assets, but you don't have all your financial documents available, the low doc home loan may be for you.
6.867.05More Info
Low Doc Line of Credit

A line of credit option for the self employed, with less required documentation. 
7.74n/aMore Info


Fixed Rate Home Loans*

A home loan that gives you the certainty of knowing exactly what your repayments will be for the next 1-5 years.


Standard Fixed Rate Home LoansMore Info
TermInterest rate % p.a.^Comparison rate % p.a.^
1 year4.395.63
2 years4.195.48
2 year fixed discount rate2 ( minimum $150k. Principal and Interest lending only.)3.85 (0.34%p.a. discount)4.51
3 years4.395.42
3 year fixed discount rate2 (minimum $150k. Principal and Interest lending only.)3.79 (0.60% p.a. discount) 4.44
4 years4.395.33
5 years4.495.28
Low Doc Fixed Rate Home LoansMore Info
TermInterest rate % p.a.^Comparison rate % p.a.^
1 year5.906.95
2 years5.846.85
3 years5.546.67
4 years5.846.67
5 years5.846.60



Home Loan Privileges Package* 3

Combine your home loan with your everyday banking and enjoy discounted interest rates and more (minimum combined borrowing of $150,000 or more).


Learn More 


 Loan amount and LVR   Interest Rate % p.a.^Comparison Rate % p.a.^ 

 Discount Variable Rate Home Loan4 

  (Principal and Interest Only)

More Info
 $1,000,000 and over

and up to 80% LVR

4.09 for first 2 years

then 4.35



Loan amount

Package discount
% p.a.

Package interest rate
% p.a.^ 

Comparison rate % p.a.^ 

 Standard Variable Home Loan More Info

$150,000 to less than $250,000




$250,000 to less than $1,000,000




$1,000,000 and over




Line of Credit FacilityMore Info

$150,000 to less than $250,000

$250,000 to less than $1,000,0001.005.59n/a
$1,000,000 and over1.055.54n/a
Fixed Rate Home Loans More Info
1 year0.004.395.43
2 years0.004.195.33
2 year fixed discount rate2
(minimum $150k. Principal and Interest lending only.)
0.003.85 (0.34%p.a. discount)5.72
3 years0.004.395.31
3 year fixed discount rate2
(minimum $150k. Principal and Interest lending only.)
0.003.79(0.60% p.a. discount)5.15
4 years0.004.395.25
5 years0.004.495.24


 View all of today's interest rates 


New lending only. Interest rates are current and subject to change.