At a glance

2.34 %P.A.
2 year Fixed Owner Occupied Principal and Interest Rate ++
3.13 %P.A.
Comparison Rate^
FIXED 
Terms of 1 to 5 years available

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.

Set repayments

Have the certainty of fixed repayments during the fixed term. 

Additional repayments

Make up to $5,000 in additional repayments annually without penalty.

1-5 year terms available

Choose a term that's right for you.

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

  • # Under the Australian Government's Financial Claims Scheme (FCS), certain deposits are protected up to a limit of $250,000 for each account holder at BOQ. The FCS limit of $250,000 applies to the total sum of all BOQ bank accounts, including accounts you hold with BOQ Branches and BOQ Specialist. Please visit apra.gov.au for further information on the institutions and types of accounts covered.

  • 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.

    Owner occupier
      Principal and Interest Interest only

    Term

    Interest rate % p.a.

    Comparison rate % p.a.^

    Interest rate % p.a.

    Comparison rate % p.a.^

    1 year

    3.64 3.30 3.84 3.32
    1 year fixed discount rate - max 80% LVR++
    2.39 (1.25% p.a. discount) 3.19 N/A N/A

    2 years

    3.54 3.33 3.59 3.34
    2 year fixed discount rate - max 80% LVR++
    2.34 (1.20% p.a. discount)  3.13 3.24 (0.35% p.a. discount)  3.28
    2 year fixed discount rate - max 90% LVR with LMI+
    2.69 (0.85% p.a. discount) 3.19 N/A N/A

    3 years

    3.64 3.39 3.84 3.44
    3 year fixed discount rate - max 80% LVR++
    2.79 (0.85% p.a. discount)  3.18 N/A  N/A 
    3 year fixed discount rate - max 90% LVR with LMI +
    2.99 (0.65% p.a. discount) 3.23 N/A N/A

    4 years

    3.64 3.43 3.84 3.50
    4 year fixed discount rate - max 80% LVR++ 3.19 (0.45% p.a. discount)  3.29 N/A N/A
    4 year fixed discount rate - max 90% LVR with LMI+
    3.39 (0.25% p.a. discount)  3.35 N/A N/A

    5 years

    3.64 3.47 3.84 3.55
    5 year fixed discount rate - max 80% LVR++
    3.29 (0.35% p.a. discount)  3.33 N/A  N/A 
    5 year fixed discount rate - max 90% LVR with LMI+
    3.49 (0.15% p.a. discount)  3.41 N/A  N/A 
     
     
     
     
     
     
    Investor
      Principal and Interest Interest Only

    Term

    Interest rate % p.a.

    Comparison rate % p.a.^

    Interest rate % p.a.

    Comparison rate % p.a.^

    1 year

    4.04

    3.50

    4.29

    3.52

    1 year fixed discount rate - max 80% LVR++
    2.64 (1.40% p.a. discount) 3.38 N/A N/A

    2 years

    3.84

    3.53

    3.84

    3.53

    2 year fixed discount rate - max 80% LVR++
    2.59 (1.25% p.a. discount)

    3.31

    2.84 (1.00% p.a. discount) 

    3.36

    3 years

    4.04

    3.63

    4.29

    3.69

    3 year fixed discount rate - max 80% LVR++
    2.89 (1.15% p.a. discount)

    3.34

    3.04 (1.25% p.a. discount) 

    3.37

    4 years

    4.09

    3.70

    4.19

    3.74

    4 year fixed discount rate - max LVR 80%++
    3.29 (0.80% p.a. discount)  3.44 N/A N/A

    5 years

    4.09

    3.76

    4.19

    3.80

    5 year fixed discount rate - max LVR 80%++
    3.39 (0.70% p.a. discount) 

    3.48

    3.64 (0.55% p.a. discount)  

    3.58

    Interest Prepaid 1 Year Fixed Rate**

    n/a

    n/a

    2.49

    3.24


     

     
     
     

    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

    Nil

    Monthly Fee

    $10

    Settlement Fee

    $150

    Valuation Fee

    One free valuation1

    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

    Step 2.

    Enquire online

    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

    What can we help you with today? 

    Buying Your First Home

    See more

    Buying Your Next House

    See more

    Refinance Your Home Loan

    See more

    Buying An Investment Property

    See more