BOQ Fixed Rate Home Loan

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.

Have the certainty of fixed repayments during the fixed term.

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

Choose a term that's right for you.

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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

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# 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

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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.