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.
Enquire now Book a Chat Call us on 1300 55 72 72
| 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 |
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.
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.
Enquire now Book a Chat Call us on 1300 55 72 72
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.
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.
Check your eligibility. You must:
For important information on the Fixed Rate Home Loan, view our terms and conditions.
Save with our simple owner occupier home loan
A simple home loan doesn’t mean you have to compromise on its features.
Protect your most valuable asset
Smarter Home insurance is here. BOQ has partnered with Honey Insurance to offer you Australia's first smart home insurance - helping you prevent avoidable accidents in your home. Make sure your home and contents are protected should the unthinkable happen.
