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#Interest rate is a variable rate made up of a Base Rate plus a Bonus Interest Rate and is subject to change at any time without notice. A Bonus Interest variable rate will only be paid if Bonus Criteria are met in the previous month. Bonus Criteria will be met where a minimum of $200 is credited to the linked Day2Day Plus Account in the prior month. The minimum amount does not include amounts transferred from another one of your BOQ Accounts. The variable Base Rate applies to balances over $250,000. The variable Base Rate always applies in the first month after opening an account. In the first month, Bonus Criteria on the transaction account is measured from the time the Fast Track Starter Account is opened, not the full calendar month even if the transaction account was already existing. Interest is calculated on a stepped basis and paid monthly on the first day of the following month. If Bonus Criteria conditions are not met the variable Base Rate only will apply.
+Interest rates and discounts are effective 25 June 2019 and are subject to change at any time. The discounts agreed at time of application will not change and will continue to apply provided you do not vary your loan. The 2 Year Intro Rate Variable Home Loan is only available for loans with a minimum loan amount of $150,000 and maximum Loan to Value Ratio (LVR) of 90%. Lenders Mortgage Insurance (LMI) required where LVR over 80%. For construction loans, during the construction period your loan is treated as an interest only loan and the applicable interest only reference rate will apply. The agreed 2 year introductory discount will also apply during the construction period. Credit only available for new home loan lending and is not available for refinance or restructure of existing BOQ loans.
***No annual fee in your first year, and no annual fee ongoing as long as you have spent $12,000 per year on retail purchases in the previous year. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. The first year begins from card approval. Subsequent years begin from the anniversary date of card approval. If you do not spend $12,000 in the previous year on retail purchases, you will be charged the standard annual fee, currently $129.
*Fixed interest rates may vary between application and drawdown of the loan. A rate lock fee can be paid at application to secure the initial fixed rate for 100 days. Offer available for minimum $150,000 new to bank owner occupied lending only. For applications received from 25 June 2019. Maximum LVR up to 90%. Not available for Interest Only lending. Not available for the refinance or restructure of existing BOQ loans, construction home loans or Self-Managed Super Fund loans. Full terms and conditions available online at www.boq.com.au. Conditions, Criteria and Fees Apply. Information current as at 25 June 2019.
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. Fixed interest rates may vary between application and drawdown of the loan.
**Comparison Rate calculated on a loan amount of $30,000 over a term of 5 years. Fixed interest rates may vary between application and drawdown of the loan.
Credit provided by Bank of Queensland Limited ABN 32 009 656 740 (Australian Credit Licence Number 244616) (BOQ). Fees and charges payable. BOQ's standard credit assessment criteria apply. Full terms and conditions are available at any BOQ branch. Interest rates quoted are indicative only, and are subject to change without notice.
^Comparison rates calculated on the basis of a secured loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed interest only loans are based on an initial Interest Only period equal in length to the fixed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
Conditions, Criteria and Fees Apply. You should obtain and consider the relevant Product Disclosure Statement (PDS), terms and conditions and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. Full terms and conditions are available online or at any Bank of Queensland branch.