Home loan interest rates - new loans only

 

Home lending interest rates

 

Lending reference rate

Lending reference rates
(%p.a.)

Margin
(%p.a.)

Annual percentage rate
(%p.a.)

Comparison rate
(%p.a.)

Owner occupied

Investment

Standard Variable Rate Home Loan

Standard Variable Housing Rate

Standard Variable Investment Housing Rate

9.47

0.00

9.47

9.59

Line of Credit Facility

Come-n-Go Line of Credit Rate

Investment Come-n-Go Line of Credit Rate

9.62

0.00

9.62

n/a 

Economy Home Loans

Standard Variable Housing Rate

Standard Variable Investment Housing Rate

9.47

-0.58

8.89

9.04

Bridging Finance 

Secured Personal Overdraft Rate

 10.39

 0.00

 10.39

 n/a

  

Home Loan Privileges Package interest rates

Loan amount/
Fixed rate term

Lending reference rate

Lending reference rates
(%p.a.)

Margin
(%p.a.)

Annual percentage rate
(%p.a.)

Comparison rate
(%p.a.)

Owner occupied

Investment

Standard Variable Home Loan

$150,000 to less than $200,000

Standard Variable Housing Rate

Standard Variable Investment Housing Rate

9.47

-0.25

9.22

9.51

$200,000 to less than $250,000

Standard Variable Housing Rate

Standard Variable Investment Housing Rate

9.47

-0.40

9.07

 n/a

$250,000 +

Standard Variable Housing Rate

Standard Variable Investment Housing Rate

9.47

-0.70

8.77

n/a 

Line of Credit Facility

$150,000 to less than $200,000

Come-n-Go Line of Credit Rate

Investment Come-n-Go Line of Credit Rate

9.62

-0.40

9.22

 n/a

$200,000 to less than $250,000

Come-n-Go Line of Credit Rate

Investment Come-n-Go Line of Credit Rate

9.62

-0.55

9.07

 n/a

$250,000 +

Come-n-Go Line of Credit Rate

Investment Come-n-Go Line of Credit Rate

9.62

-0.85

8.77

 n/a

Fixed Rate Home Loan       
 1 year

1 year fixed rate

1 year fixed investment rate

9.14

 0.00

9.14

9.50

 2 year

2 year fixed rate

2 year fixed investment rate

9.09

 0.00

9.09

9.48

 3 year

3 year fixed rate

3 year fixed investment rate

9.09

 0.00

9.09

9.47

 4 year

4 year fixed rate

4 year fixed investment rate

9.09

 0.00

9.09

9.45

 5 year

5 year fixed rate

5 year fixed investment rate

9.09

 0.00

9.09

9.44

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Fixed Rate Home Loan rates

Lending reference rate

Lending reference rates
(%p.a.)

Margin
(%p.a.)

Annual percentage rate
(%p.a.)

Comparison rate
(%p.a.)

Owner occupied

Investment

1 year fixed rate

1 year fixed investment rate

9.14

0.00

9.14

9.55

2 year fixed rate

2 year fixed investment rate

9.09

0.00

9.09

9.50

3 year fixed rate

3 year fixed investment rate

9.09

0.00

9.09

9.47

4 year fixed rate

4 year fixed investment rate

9.09

0.00

9.09

9.44

5 year fixed rate

5 year fixed investment rate

9.09

0.00

9.09

9.41

 

Interest prepaid2 rates

Fixed rate term

Lending reference rate

Lending reference rates
(%p.a.)

Margin
(%p.a.)

Annual percentage rate
(%p.a.)

Fixed 1 year

Interest pre paid rate

9.04

0.00

9.04

 

Low Documentation Home Loan interest rates

Loan amount/ Fixed rate term

Lending reference rate

Lending reference rates (%p.a.)

Margin (%p.a.)

Annual percentage rate (%p.a.)

Comparison rate (%p.a.)

Owner occupied

Investment

Low Doc Standard Variable Rate Home Loan

 Low Doc Standard Variable Rate Home Loan 

Standard Variable Housing Rate

Standard Variable Investment Housing Rate

9.47

0.00

9.47

9.63

Low Doc Line of Credit

Low Doc Line of Credit

Come-n-Go Line of Credit Rate

Investment Come-n-Go Line of Credit

9.62

0.00

9.62

n/a

Low Doc Fixed Rate Home Loan

1 year

1 year fixed rate

1 year fixed investment rate

9.14

0.00

9.14

9.59

2 years

2 year fixed rate

2 year fixed investment rate

9.09

0.00

9.09

9.55

3 years

3 year fixed rate

3 year fixed investment rate

9.09

0.00

9.09

9.51

4 years

4 year fixed rate

4 year fixed investment rate

9.09

0.00

9.09

9.48

5 years

5 year fixed rate

5 year fixed investment rate

9.09

0.00

9.09

9.45

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 View all of today's rates

 

Information current as at May 16, 2008.

 

Important information

 

Fees and charges payable on lending products. 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. Fixed interest rates may vary between application and drawdown of the loan.

 

Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

1 Standard Variable rate applies during construction.

 

2 Interest Prepaid loans can be re-fixed each year for a maximum 5 year term.

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.

 

Comparison rates calculated for a wider range of loan amounts and terms are available on the Bank of Queensland Home Loan Comparison Rate Schedule (PDF 16kb). A Comparison Rate Schedule is also available from any Bank of Queensland branch.


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