Fixed Rate Home Loan
When you want the certainty of fixed repayments
At a glance
3.87
%P.A.
3 year Fixed Owner Occupied Principal and Interest Rate*
4.47
%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 |
95% of property value for principal and interest lending* 80% of property value for interest only lending |
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 |
Low Doc Option |
Yes |
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.
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.
Important information
For important information on the Fixed Rate Home Loan, view our terms and conditions.
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 now
- Call us on 1300 55 72 72
- Come in and see us
Find your nearest branch
You might also be interested in:
Interest rate
4.47 % P.A.
For owner occupiers
Comparison rate
4.60 % P.A.
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
