Home loan rates › Bank of Queensland Limited
Fixed Rate Home Loan
Bank of Queensland Limited
CDR official
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.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 7.80% | 9.08% | Fixed · 1 year · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.94% | 6.74% | Fixed · 2 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.29% | 8.40% | Fixed · 2 years · investment · interest only · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.14% | 6.98% | Fixed · 2 years · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.99% | 6.78% | Fixed · 3 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.34% | 8.42% | Fixed · 3 years · investment · interest only · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.09% | 6.99% | Fixed · 3 years · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.19% | 6.89% | Fixed · 4 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.54% | 8.51% | Fixed · 4 years · investment · interest only · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.29% | 7.09% | Fixed · 4 years · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.19% | 6.94% | Fixed · 5 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.54% | 8.51% | Fixed · 5 years · investment · interest only · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.29% | 7.12% | Fixed · 5 years · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.94% | 6.74% | Fixed · 2 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.29% | 8.83% | Fixed · 2 years · investment · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.14% | 6.98% | Fixed · 2 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.99% | 6.79% | Fixed · 3 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.34% | 8.68% | Fixed · 3 years · investment · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.09% | 7.00% | Fixed · 3 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.14% | 6.89% | Fixed · 4 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.49% | 8.59% | Fixed · 4 years · investment · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.24% | 7.08% | Fixed · 4 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.14% | 6.93% | Fixed · 5 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.49% | 8.47% | Fixed · 5 years · investment · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.24% | 7.11% | Fixed · 5 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.09% | 7.97% | Fixed · 2 years · owner occupied · interest only · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.59% | 8.19% | Fixed · 3 years · owner occupied · interest only · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.69% | 8.24% | Fixed · 4 years · owner occupied · interest only · LVR 90% or less | CDR | 1 Nov 2026 | |
| 7.84% | 8.30% | Fixed · 5 years · owner occupied · interest only · LVR 90% or less | CDR | 1 Nov 2026 | |
| 6.79% | 6.59% | Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.14% | 8.32% | Fixed · 2 years · owner occupied · principal and interest · LVR 95% or less | CDR | 1 Nov 2026 | |
| 7.14% | 6.78% | Fixed · 2 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.84% | 6.64% | Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.19% | 8.21% | Fixed · 3 years · owner occupied · principal and interest · LVR 95% or less | CDR | 1 Nov 2026 | |
| 7.09% | 6.82% | Fixed · 3 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.99% | 6.73% | Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.34% | 8.16% | Fixed · 4 years · owner occupied · principal and interest · LVR 95% or less | CDR | 1 Nov 2026 | |
| 7.24% | 6.92% | Fixed · 4 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.99% | 6.78% | Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.34% | 8.07% | Fixed · 5 years · owner occupied · principal and interest · LVR 95% or less | CDR | 1 Nov 2026 | |
| 7.24% | 6.98% | Fixed · 5 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.cds.boq.com.au/cds-au/v1/banking/products/51906e88-5c03-ee11-8f6e-00224814d330- Content hash
sha256 5884710e032196f46e3ba41c1d742aacfda838061a2a590d8bed83f8a879786a- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_5884710e032196f4_736f4ca6Show details
- Checked
- 1 Nov 2026
- URL
https://api.cds.boq.com.au/cds-au/v1/banking/products/51906e88-5c03-ee11-8f6e-00224814d330- Content hash
sha256 5884710e032196f46e3ba41c1d742aacfda838061a2a590d8bed83f8a879786a- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Rate Lock Fee | Upfront | 0.15% |
| Settlement Fee | Upfront | $150.00 |
| Monthly Fee | Periodic | $10.00 |
| Consent Fee | Variation | $300.00 |
| Break Cost Administration Fee | Event | $50.00 |
| Construction Loan Fee | Upfront | $250.00 |
| Production Fee | Event | $150.00 |
| Default Fee | Late payment | $30.00 |
| Break Cost Fee | Event | Set in your letter of offer |
| Substitution of Security | Variation | $300.00 |
| Government and other charges | Other | Set in your letter of offer |
| Security Release Fee | Exit | $350.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | Additional repayments - up to $10,000 annually without penalty | |
| Other | Split loans- fixed loan application fee applies | |
| Other | Repayment type : Principal and Interest OR Interest only (same term as fixed period and subject to approval) | |
| Digital banking | ||
| Other | Repayment options -Weekly/ Fortnightly/ Monthly | |
| Other | 2-5 year fixed rate terms, 30 year maximum loan term | |
| Other | Maximum loan amount -Borrow up to 90% of property value for discount offers, inclusive of LMI OR Borrow up to 95% of the property value, inclusive of LMI* (Principal and Interest Lending) or 90% of the property value, excluding LMI* (Interest Only Lending) for Owner Occupiers OR Borrow up to 90% of the property value, inclusive of LMI* (Principal and Interest or Interest Only Lending) for Investors | |
| Other | No minimum loan amount | |
| Cashback offer | 2000.0000000000 | The $2000 BOQ Classic Refinance Cashback offer is being extended for applications submitted on or after Friday, 28 August 2026 until the new application deadline of Sunday, 28 February 2027, and must settle within 120 days of the loan application date. |
| Eligibility: min age | 18 | Be 18 years of age or older |
| Eligibility: other | Have never been bankrupt | |
| Eligibility: residency status | Resident or Citizen | Be an Australian citizen or permanent resident |
| Eligibility: other | Earn a regular income | |
| Limit: min lvr | 0.0000000000 | |
| Limit: max lvr | 0.9500000000 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 3 years · owner occupied · principal and interest · LVR 95% or less | 1 Nov 2026 | Current | 7.19% | 8.21% |
| Fixed · 2 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.14% | 6.98% |
| Fixed · 5 years · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.49% | 8.47% |
| Fixed · 4 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.14% | 6.89% |
| Fixed · 5 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.14% | 6.93% |
| Fixed · 4 years · owner occupied · interest only · LVR 90% or less | 1 Nov 2026 | Current | 7.69% | 8.24% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.14% | 6.78% |
| Fixed · 4 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.19% | 6.89% |
| Fixed · 4 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.29% | 7.09% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 95% or less | 1 Nov 2026 | Current | 7.34% | 8.16% |
| Fixed · 3 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.99% | 6.79% |
| Fixed · 5 years · owner occupied · interest only · LVR 90% or less | 1 Nov 2026 | Current | 7.84% | 8.30% |
| Fixed · 4 years · investment · interest only · LVR 90% or less | 1 Nov 2026 | Current | 7.54% | 8.51% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.99% | 6.73% |
| Fixed · 2 years · investment · interest only · LVR 90% or less | 1 Nov 2026 | Current | 7.29% | 8.40% |
| Fixed · 3 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.09% | 7.00% |
| Fixed · 3 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.99% | 6.78% |
| Fixed · 3 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.09% | 6.99% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 95% or less | 1 Nov 2026 | Current | 7.34% | 8.07% |
| Fixed · 4 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.24% | 7.08% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.24% | 6.98% |
| Fixed · 4 years · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.49% | 8.59% |
| Fixed · 2 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.14% | 6.98% |
| Fixed · 3 years · owner occupied · interest only · LVR 90% or less | 1 Nov 2026 | Current | 7.59% | 8.19% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.09% | 6.82% |
| Fixed · 1 year · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.80% | 9.08% |
| Fixed · 5 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.24% | 7.11% |
| Fixed · 5 years · investment · interest only · LVR 90% or less | 1 Nov 2026 | Current | 7.54% | 8.51% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.84% | 6.64% |
| Fixed · 3 years · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.34% | 8.68% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.24% | 6.92% |
| Fixed · 3 years · investment · interest only · LVR 90% or less | 1 Nov 2026 | Current | 7.34% | 8.42% |
| Fixed · 5 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.19% | 6.94% |
| Fixed · 2 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.94% | 6.74% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.79% | 6.59% |
| Fixed · 2 years · owner occupied · interest only · LVR 90% or less | 1 Nov 2026 | Current | 7.09% | 7.97% |
| Fixed · 2 years · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 7.29% | 8.83% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.99% | 6.78% |
| Fixed · 2 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.94% | 6.74% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 95% or less | 1 Nov 2026 | Current | 7.14% | 8.32% |
| Fixed · 5 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.29% | 7.12% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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