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.

This guide and examples contained in it are provided for informational purposes only and is general in nature. BOQ has not taken into account your objectives, financial situation, or needs when preparing or presenting this document. Before acting on this information you should consider if it is appropriate for your situation and obtain your own taxation, legal or financial advice as necessary. You should obtain and consider the relevant Product Disclosure Statement, Terms and Conditions and our Guide to Fees and Charges for a product before making any decision about whether to acquire or continue to hold it.

Limited time offers available for owner occupied home loan applications received from 11 November 2022 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 11 November 2022.

Requires lender's mortgage insurance if the amount borrowed is more than 80% of the valuation of the security property.

Not available on Self Managed Super Fund (SMSF) loans.

One free residential valuation per Fixed rate Home Loan application.

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.