At a glance

3.87 %P.A.
3 year Fixed Owner Occupied Principal and Interest Rate*
4.53 %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

Loan features

Terms Detail

Loan term

Maximum 30 years

Minimum loan amount

No minimum

Maximum loan amount

Borrow up to 98% 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

EasyPhone Banking

Yes

Interest rates

With fixed rates, you’ll know what your repayments are for peace of mind.

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

4.09 4.67 4.19 4.68

1 year fixed discount rate+

(minimum $150k. Principal and Interest Lending only)

3.54 (0.55% p.a. discount) 4.62 N/A  N/A 

2 years

4.19 4.65 4.29 4.66

2 year fixed discount rate+

(minimum $150k. Principal and Interest Lending only)

3.85   (0.34% p.a. discount) 4.58 N/A N/A

3 years

4.39 4.67 4.49 4.69

3 year fixed discount rate+

(minimum $150k. Principal and Interest Lending only)

3.87 (0.52% p.a. discount) 4.53 N/A N/A

4 years

4.39 4.65 4.49 4.69

5 years

4.49 4.68 4.59 4.73
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

4.29

5.25

4.39

5.26

2 years

4.39

5.19

4.49

5.21

2 year discount rate+

(minimum $150k. Principal and Interest Lending only)

4.04 (0.35% p.a. discount)

5.12

n/a

n/a

3 years

4.39

5.12

4.49

5.15

3 year discount rate+
(minimum $150k. Principal and Interest Lending only)
4.14 (0.25% p.a. discount)

5.06

n/a

n/a

4 years

4.59

5.13

4.69

5.16

5 years

4.69

5.13

4.79

5.17

Interest Prepaid 1 Year Fixed Rate**

n/a

n/a

4.29

5.14


 

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

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:

Our most popular low rate loan, packed with features

Clear Path Variable Home Loan

If you're looking for a fully featured, cheap home loan with a low rate, our Clear Path Variable Rate Home Loan is for you!

  • Owner occupier and investor options available
  • Mortgage offset
  • Flexible 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