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 {current-date} 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.

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Home Loan comparison rates are based on a loan of $150,000 for a term of 25 years, repaid monthly. For variable loans with interest only repayments, the comparison rates are based on an initial 5 year interest only period. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. The comparison rates for fixed loans with interest only repayments are based on the interest- only period being equal to the fixed rate term.

Loan to Value Ratio (LVR) is the loan amount divided by the value of your property (determined by BOQ at assessment), multiplied by 100.

Available for new Bank of Queensland Essential owner occupier, principal and interest loans, Minimum loan size $150K. max 80% LVR#.

Available for new Bank of Queensland Plus owner occupier, principal and interest loans, Minimum loan size $150K. max 80% LVR#.

Available for new Bank of Queensland Essential 2-year fixed owner occupier, principal and interest loans, min loan $20k, max 80% LVR#.

Available for new Bank of Queensland Plus 2-year fixed owner occupier, principal and interest loans, min loan $20k, max 80% LVR#.

Additional repayments made into a fixed rate home loan are limited to $10,000 per year and are not available for redraw during the fixed period.

Special limited time $2,000 cashback offer only available for new refinance applications received between 01 July 2025 and 28 August 2026 through a BOQ branch and settle within 120 days of the loan application date. The Offer ends on 28 August 2026. Applicants must be Australian residents aged 18 years and over who are personal customers taking out a new home loan with BOQ, refinanced from another financial institution. Offer available on myBOQs Plus, Essential home loan products only for owner occupier and investor loans and not available on owner occupied interest only repayments. Minimum total new lending of $400,000. Maximum loan-to-value ratio (LVR) of up to 80%. Not available for the refinance, restructure, or switches of home loans from BOQ or other lenders within the BOQ Group, which includes BOQ Specialist, ME Bank and Virgin Money Australia. Only one cash back will be paid per qualifying home loan application regardless of the number of borrowers. In the case of multiple qualifying applications, only one cash back will be paid. Customers who have received a refinance cashback payment from within the BOQ Group within the 12 months prior to their loan application date will be ineligible for this offer. The cash back amount will be paid within 60 days of loan settlement into the myBOQ Everyday Account held by the borrower first listed on the application.