At a glance
Why choose our Fixed Rate Home Loan?
You don't need a fortune teller to find out what the future looks like. A fixed rate home loan gives you the certainty of knowing exactly what your repayments will be for a certain term, while protecting yourself against any potential interest rate rises. And with great interest rates across our range of terms, that certainty comes with a smile.
Ready to get started?
Enquire now Book a Chat Call us on 1300 55 72 72
Loan features
Terms | Detail |
---|---|
Loan term |
Maximum 30 years |
Minimum loan amount |
No minimum |
Maximum loan amount |
Borrow up to 90% of property value for discount offers, inclusive of Lender's Mortgage Insurance+ Borrow up to 95% of the property value, inclusive of Lender's Mortgage Insurance* (Principal and Interest Lending) or 90% of the property value, excluding Lender's Mortgage Insurance* (Interest Only Lending) for Owner Occupiers Borrow up to 90% of the property value, inclusive of Lender's Mortgage Insurance* (Principal and Interest or Interest Only Lending) for Investors |
Repayment type |
Principal and Interest Interest only (same term as fixed period and subject to approval) |
Repayment options |
Weekly/ Fortnightly/ Monthly |
Additional repayments |
Yes - up to $5,000 annually |
Redraw |
No |
Construction Option |
No |
Mortgage Offset facility |
Yes - only available for 1 year fixed term and personal customers# |
Internet Banking |
Yes |
Ready to get started?
Enquire now Book a Chat Call us on 1300 55 72 72
Interest rates
With fixed rates, you’ll know what your repayments are for peace of mind.
The discounted fixed rates shown are only available for new to bank lending. For full terms and conditions, refer to the Important Information section below or at any BOQ branch.
Ready to get started?
Enquire now Book a Chat Call us on 1300 55 72 72
Fees
At BOQ, we keep our fees to a minimum. Any fees we do have we’ll show you up front so there are no surprises.
Fees | Amount |
---|---|
Application Fee |
$300 |
Monthly Fee |
$10 |
Settlement Fee |
$150 |
Valuation Fee |
Amount may vary |
A full list of fees can be found in our Fees and Charges Guide below.
Ready to apply?
There are a few things you’ll need to begin, such as your proof of identity, employment details and financial details such as income, assets, expenses and liabilities.
Step 1.
Check your eligibility. You must:
- Be 18 years of age or over
- Have never been bankrupt
- Be an Australian citizen or permanent resident
- Earn a regular income
Important information
For important information on the Fixed Rate Home Loan, view our terms and conditions.
You might also be interested in:
Save with our simple owner occupier home loan
Economy Variable Home Loan
A simple home loan doesn’t mean you have to compromise on its features.
- Owner Occupier and Investor options available
- Unlimited free redraw
- Unlimited additional repayments
Protect your most valuable asset
Home and Contents Insurance
You’ve put a lot in to your home and spent a lot on your belongings. Make sure they’re protected should the unthinkable happen.
- Combined or separate home and contents insurance
- Automatic cover for fire and flood
- Cover for accidental damage