Fixed Rate Home Loan

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.

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	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.

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	5.61	4.19	5.62
1 year fixed discount rate⁺ (minimum $150k. Principal and Interest Lending only)	3.54 (0.55% p.a. discount)	4.54	N/A	N/A
2 years	4.19	5.49	4.29	5.51
2 year fixed discount rate⁺ (minimum $150k. Principal and Interest Lending only)	3.85 (0.34% p.a. discount)	4.51	N/A	N/A
3 years	4.39	5.42	4.49	5.45
3 year fixed discount rate⁺ (minimum $150k. Principal and Interest Lending only)	3.87 (0.52% p.a. discount)	4.47	N/A	N/A
4 years	4.39	5.33	4.49	5.36
5 years	4.49	5.28	4.59	5.33

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	6.13	4.39	6.14
2 years	4.39	5.98	4.49	6.00
2 year discount rate⁺ (minimum $150k. Principal and Interest Lending only)	4.04 (0.35% p.a. discount)	5.00	n/a	n/a
3 years	4.39	5.83	4.49	5.85
3 year discount rate⁺ (minimum $150k. Principal and Interest Lending only)	4.14 (0.25% p.a. discount)	4.95	n/a	n/a
4 years	4.59	5.76	4.69	5.79
5 years	4.69	5.69	4.79	5.73
Interest Prepaid 1 Year Fixed Rate^**	n/a	n/a	4.29	6.03

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.

Handy tools

Find out your borrowing power, loan repayments and plan your budget

Compare our home loans side by side to see which is right for you

Get to know the market with the BOQ Property App

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.