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	Lending reference rates (%p.a.)	Margin (%p.a.)	Annual percentage rate (%p.a.)	Comparison rate (%p.a.)
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.)
Loan amount/ Fixed rate term	Owner occupied	Investment	Lending reference rates (%p.a.)	Margin (%p.a.)	Annual percentage rate (%p.a.)	Comparison rate (%p.a.)
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

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	Lending reference rates (%p.a.)	Margin (%p.a.)	Annual percentage rate (%p.a.)	Comparison rate (%p.a.)
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.)
Loan amount/ Fixed rate term	Owner occupied	Investment	Lending reference rates (%p.a.)	Margin (%p.a.)	Annual percentage rate (%p.a.)	Comparison rate (%p.a.)
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

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.