Credit provided by Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616 (BOQ). Terms, conditions, fees and charges apply. Applications are subject to credit approval. Interest rates are current as at 12 02 2026 and are subject to change.

Variable interest rates may include a discount or margin that is applied to the product’s variable reference rate. Discounts are offered to new home loan applications only. The discount cannot be used with any other rate promotion. Existing applications, internal refinances, top ups, additional advances or variations of existing home loans. We may change or withdraw any discount or margin at any time.

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. For eligible Top Up loan applications, the interest rate or package tiers (if applicable) disclosed in your original loan schedule will apply.