Fixed Rate Home Loan
Take control of your home loan repayments by locking in a fixed interest rate for up to 5 years. {sub-heading}
- Discounted 2yr Fixed Rate
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For Owner Occupiers with Principal and Interest Repayments
Why choose our Fixed Rate Home Loan
Know exactly what your repayments will be for a set term, without having to worry about interest rate rises.{sub-heading}
Lock in your repayments
Enjoy the certainty of fixed repayments during your chosen term. Know exactly what you need to pay for up to 5 years.
Split between fixed and variable
Can’t decide between fixed and variable home loan rates? Split your loan into portions and get the benefit of both.
Pay your loan off faster
Make extra repayments of up to $10,000 each year, without incurring additional fees.
Choose your term
The choice is yours. You can set a term between 2–5 years.
Mobile & online banking
Manage your money your way with 24/7 access to account balances and transactions.
Free property valuation
Save on costs. Get a free residential valuation from one of our approved valuers when you apply for a Fixed Rate Home Loan.1
Features
Our Fixed Rate Home Loan gives you the certainty of knowing exactly what your repayments will be, protecting you against interest rate rises. {sub-heading}
Borrow up to 90% of the property value for discount offers, inclusive of Lender's Mortgage Insurance13
Owner-Occupiers can borrow up to 95% of the property’s value with principal and interest repayments or 90% with interest-only repayments13
Investors can borrow up to 90% of the property’s value with principal and interest repayments or interest-only repayments13
- Principal and interest
- Interest-only (same term as fixed period and subject to approval)
Fixed interest rates
Owner-Occupier Fixed Interest Rates
Investor Fixed Interest Rates
Fees
At BOQ, we keep our fees to a minimum and we’ll always show them upfront, so there are no surprises.
Other fees and charges may be payable. Please see the Personal Banking Guide to Fees and Charges and your Home Loan Schedule for fees.
Important information
Personal Banking Guide to Fees and Charges
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Personal Lending Supplementary Terms and Conditions
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Fixed-Rate Home Loan Overview
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Break Cost Fact Sheet
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Ready to apply?
Before we start, you’ll need your ID, employment and income details and financial info such as what you own (assets) and what you owe (liabilities). {sub-heading}
Check your eligibility
To qualify for a home loan you must:
- Be 18 years of age or over
- Have never been bankrupt
- Be an Australian citizen or permanent resident
- Earn a regular income
Request a call back
You’ll hear from someone in our BOQ branches within 1-2 business days.
Did you know you can split your home loan?
Love the security of a fixed rate but don’t want to miss out on the flexibility of a variable rate? A split home loan lets you have both. You decide how to divide it – half and half, mostly fixed, or mostly variable, it’s up to you.
Handy home loan tools
Home loan calculators
Find out how much you could borrow, what your repayments would be and more.
Split loan calculator
See how what your repayments would be if you split your loan between variable and fixed rates.
You might also be interested in
Economy Variable Home Loan
Our no-frills, low-rate home loan that doesn’t compromise on features.
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Economy variable rate
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For Owner Occupiers with Principal and Interest Repayments
Clear Path Variable Home Loan
Enjoy a variable rate loan that’s packed with smart features and gives you flexibility with your finances.
Clear Path variable rate
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Comparison rate11
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For Owner Occupiers with Principal and Interest Repayments
Tips and guides
Buying your first home
We go the extra mile to help you buy your first home, with low rates and personalised support from start to finish.
Buying your next home
Whether you’re upgrading, downsizing or buying a holiday home, we’re here to help you with your next move.
Refinancing your home loan
Switch to a BOQ loan and enjoy great rates and offers, and a more personal approach to your banking.
Buying an investment property
Whether you’re getting onto the property ladder, planning for retirement or building wealth, we’ll help guide your property investment.
Frequently asked questions
Didn’t find what you were looking for? Go to our help and support page to find out more. {sub-heading}
What’s the difference between a fixed and a variable home loan?
What is LVR?
What is principal and interest?
We’re here to help
1300 638 178
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