A whole new home loan experience is now in your hands
Introducing two brand-new, fully digital home loans exclusive to the myBOQ app.{sub-heading}
Meet our new home loans {yellow-border}
Straight-talking home loans made simple so you can find the one that’s just right for your patch of paradise.{sub-heading}
Essential Home Loan
Keeps it simple, with all the essentials. Packed with features and low on fees, our BOQ Essential Home Loan is your no frills, all value option.
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Interest rate1
{hlx-rates||105437||Rate}%p.a.{rate-display}
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Comparison rate*
{hlx-rates||105437||Comparison Rate}%p.a.{rate-display}
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For Owner Occupiers with Principal and Interest Repayments
- Options for both owner occupiers and investors
- Unlimited free redraw (min $100)
- Unlimited additional repayments
- Competitive rates to keep more in your pocket
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Plus Home Loan
If you’re after a fully-featured home loan that keeps your options open and your rate low, our BOQ Plus Home Loan is built for you.
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Interest rate2
{hlx-rates||105462||Rate}%p.a.{rate-display}
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Comparison rate*
{hlx-rates||105462||Comparison Rate}%p.a.{rate-display}
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For Owner Occupiers with Principal and Interest Repayments
- Options for both owner occupiers and investors
- 100% offset account. Link up to 10 Everyday accounts to lower your interest,
- Unlimited free redraws (min $100) and flexible repayments
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Essential Home Loan
Keeps it simple, with all the essentials. Packed with features and low on fees, our BOQ Essential Home Loan is your no frills, all value option.
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2 year fixed rate3
{hlx-rates||105429||Rate2Yr_Fixed}%p.a.{rate-display}
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Comparison rate*
{hlx-rates||105429||Rate2Yr_Fixed_AAPR}%p.a.{rate-display}
[br]
For Owner Occupiers with Principal and Interest Repayments
- Options for both owner occupiers and investors
- Competitive rates to keep more in your pocket
[br]
Plus Home Loan
If you’re after a fully-featured home loan that keeps your options open and your rate low, our BOQ Plus Home Loan is built for you.
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2 year fixed rate4
{hlx-rates||105454||Rate2Yr_Fixed}%p.a.{rate-display}
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Comparison rate*
{hlx-rates||105454||Rate2Yr_Fixed_AAPR}%p.a.{rate-display}
[br]
For Owner Occupiers with Principal and Interest Repayments
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Essential Home Loan interest rates
Owner Occupier - Variable
<$150K
Owner Occupier - Variable
≥$150K
Owner Occupier - Fixed
LVR 0% to 60%
Owner Occupier - Fixed
LVR 60.01% to 70%
Owner Occupier - Fixed
LVR 70.01% to 80%
Owner Occupier - Fixed
LVR 80.01% to 90%
Owner Occupier - Fixed
LVR 90.01% to 95%
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Plus Home Loan interest rates
Owner Occupier - Variable
≥$150K to $399K
Owner Occupier - Variable
≥$400K
Owner Occupier - Fixed
0% to 60%
Owner Occupier - Fixed
LVR 60.01% to 70%
Owner Occupier - Fixed
LVR 70.01% to 80%
Owner Occupier - Fixed
LVR 80.01% to 90%
Owner Occupier - Fixed
LVR 90.01% to 95%
Essential Home Loan interest rates
Investment - Variable
≥$150K
Investment - Fixed
LVR 0% to 60%
Investment - Fixed
LVR 60.01% to 70%
Investment - Fixed
LVR 70.01% to 80%
Investment - Fixed
LVR 80.01% to 90%
Investment - Fixed
LVR 90.01% to 95%
[br]
Plus Home Loan interest rates
Investment - Variable
≥$150K to $399K
Investment - Variable
≥$400K
Investment - Fixed
LVR 0% to 60%
Investment - Fixed
LVR 60.01% to 70%
Investment - Fixed
LVR 70.01% to 80%
Investment - Fixed
LVR 80.01% to 90%
Investment - Fixed
LVR 90.01% to 95%
Digital Home Loans built for the myBOQ app
Have the power to control your home loan right in the palm of your hands. {sub-heading}
Link and unlink offsets
Reduce the interest you pay on your BOQ Plus variable rate home loan.
Manage repayments
Choose how you repay — minimum, extra, plus frequency and repayment account.
A home loan in your hands
Manage your home loan right from the palm of your hands with the myBOQ app.
Check your equity
Your property’s potential, in your pocket. See your available equity anytime with the myBOQ app.
Fees and charges.{yellow-border}
At BOQ, we keep our fees to a minimum and we’ll always show them upfront, so there are no surprises.
Other fees and charges may be payable. Please see the Lending Guide to Fees and Charges and your Home Loan Schedule for fees.
$295 each year, starting on the day your loan kicks off, then every year after that.
One annual fee is payable for all BOQ Plus Home Loans with the same borrower(s). The Annual
Fee is payable on the settlement date or product switch date of your first BOQ Plus Home
Loan, and then annually from this date. The fee will become payable under a loan when all
earlier loans have been closed. It will continue to be payable annually on the same date it was
payable on the previous loan.
For a full list of fees and charges that could apply refer to our Lending Guide to Fees and Charges.
Ready to chat home loans?
Whether you’re applying for a home loan or just want to ask a few questions, we’re here to help. {sub-heading}
1300 55 72 72
Useful home loan calculators
See how much you can borrow
Work out your borrowing power based on your income and expenses.
Work out your repayments
Find out how much your regular home loan repayments will be.
Figure out your stamp duty
Check how much stamp duty you’ll need to pay on your home loan.