BOQ Fixed Rate Home Loan

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.

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

Loan features

Terms	Detail
Loan term	Maximum 30 years
Minimum loan amount	No minimum
Maximum loan amount	80% of property value (applies to discount rates offers only)⁺ 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

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	4.09	3.80	4.19	3.81
2 years	3.74	3.78	3.84	3.79
2 year fixed discount rate - max 80% LVR⁺⁺ (minimum $150k. New lending only)	2.29 (1.45% p.a. discount)	3.52	3.19 (0.65% p.a. discount)	3.68
2 year fixed discount rate - max 90% LVR with LMI⁺ (minimum $150k. New lending only)	2.99 (0.75% p.a. discount)	3.64	N/A	N/A
3 years	4.09	3.88	4.19	3.91
3 year fixed discount rate - max 80% LVR⁺⁺ (minimum $150k. New lending only)	2.35 (1.74% p.a. discount)	3.60	N/A	N/A
3 year fixed discount rate - max 90% LVR with LMI⁺ (minimum $150k. New lending only)	2.99 (1.10% p.a. discount)	3.60	N/A	N/A
4 years	3.89	3.85	4.09	3.92
5 years	3.89	3.87	4.09	3.95
5 year fixed discount rate - max 80% LVR⁺⁺ (minimum $150k. New lending only)	2.99 (0.90% p.a. discount)	3.51	N/A	N/A
5 year fixed discount rate - max 90% LVR with LMI⁺ (minimum $150k. New lending only)	3.49 (0.40% p.a. discount)	3.71	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	4.19	3.97	4.29	3.98
2 years	3.84	3.94	3.84	3.94
2 year fixed discount rate - max 80% LVR⁺⁺ (minimum $150k. New lending only)	2.89 (0.95% p.a. discount)	3.77	3.19 (0.65% p.a. discount)	3.83
2 year fixed discount rate - max LVR 90% with LMI⁺ (minimum $150k. New lending only)	3.24 (0.60% p.a. discount)	3.83	3.34 (0.50% p.a. discount)	3.85
3 years	4.19	4.04	4.29	4.06
3 year fixed discount rate - max 80% LVR⁺⁺ (minimum $150k. New lending only)	2.89 (1.30% p.a. discount)	3.70	3.29 (1.00% p.a. discount)	3.81
3 year fixed discount rate - max 90% LVR with LMI⁺ (minimum $150k. New lending only)	3.24 (0.95 % p.a. discount)	3.79	3.34 (0.95% p.a. discount)	0.95
4 years	4.09	4.04	4.19	4.07
5 years	4.09	4.06	4.19	4.10
5 year fixed discount rate - max LVR 80%⁺⁺ (minimum $150k. New lending only)	3.29 (0.80% p.a. discount)	3.74	3.59 (0.60% p.a. discount)	3.86
5 year fixed discount rate - max LVR 90% with LMI⁺ (minimum $150k. New lending only)	3.49 (0.60 % p.a. discount)	3.82	3.59 (0.60% p.a. discount)	3.86
Interest Prepaid 1 Year Fixed Rate^**	n/a	n/a	4.09	3.84

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.