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*

Principal and InterestInterest Only
ProductInterest Rate % p.a.^Comparison Rate % p.a.^Interest 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.

More Info 

3.793.95n/an/a

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!

More Info 

4.474.604.874.77

Clear Path Line of Credit

Access available funds up to your approved limit whenever you need it, without having to reapply each time.

More Info 

n/an/a5.20n/a

First-start Home Loan

Perfect for first home buyers, with a 12 month discount on the standard variable rate.

More Info 

4.615.675.015.71

Standard Variable Home Loan 

A fully flexible home loan with a mortgage offset facility, flexible repayment options and free redraw.

More Info 

5.615.776.015.94

Standard Line of Credit

Our standard line of credit option where you can access pre-approved credit when you need it.  

More Info 

n/an/a6.99n/a

Bridging Finance Home Loan

Purchase or build your new home prior to the sale of your existing home with this flexible home loan.

More Info 

n/an/a6.99n/a

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.

More Info 

6.867.057.267.24

Low Doc Line of Credit

A line of credit option for the self employed, with less required documentation.

More Info 

n/an/a8.140.0

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 Loans More Info
Principal and InterestInterest only
TermInterest rate % p.a.^Comparison rate % p.a.^Interest rate % p.a.^Comparison rate % p.a.^
1 year4.095.614.195.62
2 years4.195.494.295.51
2 year fixed discount rate2 ( minimum $150k. Principal and Interest lending only.)3.85 (0.34%p.a. discount)4.51n/an/a
3 years4.395.424.495.45
3 year fixed discount rate2 (minimum $150k. Principal and Interest lending only.)3.79 (0.60% p.a. discount)4.44n/an/a
4 years4.395.334.495.36
5 years4.495.284.595.33
Low Doc Fixed Rate Home Loans More Info
Principal and InterestInterest only
TermInterest rate % p.a.^Comparison rate % p.a.^Interest rate % p.a.^Comparison rate % p.a.^
1 year5.906.955.906.95
2 years5.846.855.846.85
3 years5.546.675.546.67
4 years5.846.685.846.68
5 years5.846.605.846.60

 

  

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 

Principal and InterestInterest only
ProductInterest Rate % p.a.^Comparison Rate % p.a.^Interest Rate % p.a.^Comparison Rate % p.a.^

Discount Variable Rate Home Loan4(Principal and Interestonly)

4.09 for first 2 years then 4.354.71n/an/a

 

Standard Variable Home Loan More Info
Principal and InterestInterest only
Loan amount

Package discount
% p.a.
 

Package interest rate
% p.a.^ 

Comparison rate % p.a.^ 

Package discount
% p.a.
Package interest rate
% p.a.^
Comparison rate % p.a.^

$150,000 to less than $250,000

0.50

5.11

5.51

0.505.515.68

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

0.85

4.76

5.16

0.855.165.33

$1,000,000 and over

0.90

4.71

5.11

0.905.115.28
Line of Credit Facility More Info
Principal and InterestInterest only
Loan amount

Package discount
% p.a.
 

Package interest rate
% p.a.^ 

Comparison rate % p.a.^ 

Package discount
% p.a.
Package interest rate
% p.a.^
Comparison rate % p.a.^

$150,000 to less than $250,000

n/an/an/a0.656.34n/a
$250,000 to less than $1,000,000n/an/an/a1.005.99n/a
$1,000,000 and overn/an/an/a1.055.94n/a
Fixed Rate Home Loans More Info
Principal and InterestInterest only
Loan amount

Package discount
% p.a.
 

Package interest rate
% p.a.^ 

Comparison rate % p.a.^ 

Package discount
% p.a.
Package interest rate
% p.a.^
Comparison rate % p.a.^
1 year0.004.095.410.04.195.42
2 years0.004.195.330.04.295.35
2year fixed discount rate2
(minimum $150k. Principal and Interest lending only.)
0.003.85 (0.34%p.a. discount)5.72n/an/an/a
3 years0.004.395.310.04.495.34
3 year fixed discount rate2
(minimum $150k. Principal and Interest lending only.)
0.003.79(0.60% p.a. discount)5.15n/an/an/a
4 years0.004.395.260.04.495.29
5 years0.004.495.250.04.595.29

 

 View all of today's interest rates 

 

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