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Earn up to 120,000 bonus Q Rewards® points1Apply now
Terms and conditions apply. New customers only.
^^^Special limited time $2,000 cashback offer only available for residential investment property purchase applications received between Friday 30 July 2021 and Tuesday 30 November 2021 (inclusive) and that settle by Monday 28 February 2022. This offer is open to Australian residents aged 18 and over who are personal customers taking out a new home loan with BOQ, used to purchase a residential investment property (new or existing property only; excludes land purchase and construction). Offer available on BOQ’s Clear Path, Economy, Intro Rate, or Fixed Rate home loan products only (excluding Lines of Credit). Minimum total new lending of at least $250,000. Maximum loan-to-value ratio (LVR) of 80%. Not available for the refinance, restructure or switches of home loans within BOQ Group, which includes BOQ, BOQ Specialist, ME Bank and Virgin Money (Australia). An applicant will be eligible for a maximum of one investor purchase cashback payment during the offer period, regardless of the number of loan applications they are party to, provided the total amount drawn at settlement across all loans is at least $250,000. The cashback will be paid to the applicant’s BOQ transaction account within 30 days of the settlement date. For multiple home loan applicants the BOQ account needs to be in the name of at least one of the home loan applicants and the cashback will be paid only once to the applicants jointly. If you do not have an existing BOQ transaction account, one must be opened. Offer current as at 28 October 2021. This offer can be amended and/or withdrawn by BOQ at any time without notice. Applicants should seek their own tax advice in relation to the receipt of a cashback on settlement. Fees and charges payable. BOQ's standard credit assessment criteria apply. Full home loan terms and conditions are available at any BOQ branch.
+ $1 Lenders Mortgage Insurance (LMI) offer is only available on home loan applications received between 6 September 2021 and 15 January 2022 (inclusive), which settle by 29 April 2022. LMI is not waived and the borrowers are required to pay $1 of the LMI premium amount. LMI is issued to BOQ by Genworth Financial Mortgage Insurance Pty Limited (Genworth) and is not insurance taken out by the borrowers. Genworth reserves the right to accept and approve LMI proposals in its absolute and sole discretion. Approved borrowers must comply with relevant LMI terms and conditions throughout the term of their loan. Offer only available for new home loan lending to eligible First Home Owners (excludes companies, trusts and self-managed superannuation funds and excludes construction loans) for the purchase of a new or existing property for owner occupied or investment purposes. Must be first home purchase for all borrowers. Offer is not available for multiple loan applications with multiple security and/or refinance or restructure of existing home loans with other financiers or other BOQ Group loans (BOQ Group includes BOQ, BOQ Specialist, ME Bank and Virgin Money (Australia). Loan must be secured by single property only. Loan to value ratio (LVR) must be between 80.01% and 85%. The borrowers' total debt limits as at the date of the loan application must be less than six times their gross income (i.e. the debt to income ratio must be less than 6). Offer available on the Intro Rate Variable Home Loan, Clear Path Variable Home Loan, Fixed Rate Home Loan with Principal and Interest repayments (excludes Interest Only loans). Maximum loan amount is $1,000,000.00. Offer interest rates apply. Interest rates quoted are indicative only and are subject to change without notice. BOQ's standard credit assessment criteria apply. This offer cannot be taken with any other offer and can be amended and/or removed at any time at the discretion of BOQ without notice. Credit provided by Bank of Queensland Limited ABN 32 009 656 740 (AFSL and Australian Credit Licence Number 244616) (BOQ).
^^Interest rates are variable rates and are subject to change at any time without notice.
# Rate includes additional interest rate of 0.70% p.a. which will be paid for 4 months from account opening date - to any new customers who open a WebSavings Account® on or after 21 October 2021. Additional interest only applies to account balances of $2,000 or more and is not available to existing customers whether or not they hold a WebSavings Account. After 4 months from the account opening date, the interest rate will revert to the standard WebSavings Account variable interest rate.
Balances greater than $5,000,000 held in the same name are subject to approval.
++Limited time offers available for owner occupied home loan applications received from 12 November 2021 and available for new to bank lending only. Maximum Loan to Value Ratio up to 80%. 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. Minimum $150,000 new lending. The discount under this offer will continue to apply until you request us to vary your loan. Full terms and conditions available at any BOQ branch. BOQ standard credit assessment criteria apply. Information current as at 12 November 2021.
* Interest rates are variable rates and are 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 both the following conditions are met:
- a minimum of $200 for Fast Track Starter or $1,000 for Fast Track Saver is credited to the linked Day2Day Plus Account in the prior calendar month. This excludes amounts transferred from another one of your BOQ Accounts including any Account you may be linked to as an Authorised User or joint Account holder;
- at least 5 direct debit transactions, ATM withdrawals or purchases of goods or services from a Merchant are made in the prior calendar month by using your eftpos Card or BOQ Visa Debit Card associated with your linked Day2Day Plus Account. This does not include cheques written or deposited, branch cash withdrawals, transfers or payments to any BOQ account or to a non-BOQ account via Internet Banking, in branch or at ATMs, transfer of funds to accounts held at an overseas bank, BPAY payments, pending Visa Debit Card transactions and BOQ Credit Card transactions.
Transactions that are not settled (are pending) do not count towards the Bonus Criteria. If a transaction is made but settles in the following calendar month then the transaction will be counted in the following calendar month.
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 Saver/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.
The Fast Track Starter Account will automatically convert to a Fast Track Saver Account on your 25th Birthday.Fast Track Starter Accounts are restricted to one per customer.
**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.
~To be eligible for the 120,000 bonus Q Rewards Points offer you need to apply for the BOQ Platinum Visa card by 31 Otcober 2021. 60,000 bonus Q Rewards Points will be awarded when $3,000 or more is psent on Eligible Transactions within the first 2 months from card approval. Plus you can earn a further 60,000 bonus Q Rewards Points if you spend $10,000 or more on Eligible Transactions within 12 months from the card approval date. Eligible Transaction is defined in the Q Rewards® Terms and Conditions and means any purchase excluding (but not limited to) cash advances, balance transfers, special promotions, BPAY payments, government related transactions and all other transactions set out within the definition. All Q Rewards® are subject to the BOQ Q Rewards® Terms and Conditions. The bonus Q Rewards® Points will be credited to the Primary Cardholder’s Account up to 60 days after meeting the spend criteria.
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.
Citigroup Pty Ltd ABN 88 004 325 080 AFSL 238098 Australian Credit Licence No. 238098 (Citigroup) is the credit provider and issuer of BOQ Credit Cards (Credit Cards). Fees and charges are payable. Full terms and conditions are available at any Bank of Queensland branch. Citigroup’s standard credit assessment criteria apply. This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the relevant Product Disclosure Statement, terms and conditions, Financial Services Guide and Guide to Fees and Charges before making any decision about whether to acquire or continue to hold the product. You can obtain a copy of those documents from any Bank of Queensland branch or by contacting us. For Target Market Determinations please refer here.
Bank of Queensland Limited ABN 32 009 656 740 (BOQ) distributes the Credit Cards under an agreement with Citigroup. BOQ does not and will not guarantee or otherwise support Citigroup's obligations under the contracts or agreements connected with the Credit Cards. The words "we", "us" or "our" will generally read as a reference to Citigroup, but if the context requires these words to refer BOQ, they will refer to BOQ undertaking relevant actions or making relevant decisions for or on behalf of Citigroup.
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.