Home loan rates › Bank of Queensland Limited
Economy Variable Home Loan
Bank of Queensland Limited
CDR official
A simple home loan doesn't mean you have to compromise on its features. With our Economy Home Loan, you'll enjoy an ongoing low variable interest rate with free redraw and flexible repayment options.
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 |
|---|---|---|---|---|---|
| 8.52% | 8.46% | Variable · investment · interest only | CDR | 1 Nov 2026 | |
| 6.64% | 6.63% | Variable · investment · interest only · LVR 70% or less · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.64% | 6.66% | Variable · investment · interest only · LVR 70%–80% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.84% | 6.89% | Variable · investment · interest only · LVR 80%–90% · $150,000 or more | CDR | 1 Nov 2026 | |
| 8.17% | 8.31% | Variable · investment · principal and interest | CDR | 1 Nov 2026 | |
| 6.38% | 6.52% | Variable · investment · principal and interest · LVR 70% or less · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.44% | 6.58% | Variable · investment · principal and interest · LVR 70%–80% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.69% | 6.83% | Variable · investment · principal and interest · LVR 80%–90% · $150,000 or more | CDR | 1 Nov 2026 | |
| 8.30% | 8.17% | Variable · owner occupied · interest only | CDR | 1 Nov 2026 | |
| 7.82% | 7.96% | Variable · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.28% | 6.42% | Variable · owner occupied · principal and interest · LVR 70% or less · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.33% | 6.47% | Variable · owner occupied · principal and interest · LVR 70%–80% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.44% | 6.58% | Variable · owner occupied · principal and interest · LVR 80%–90% · $150,000 or more | 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/f2176288-5c03-ee11-8f6e-00224814dce7- Content hash
sha256 bdf11af3086eb8ca6ac7c1cf33e54321808cfa04ea68861d91087aec71093c90- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_bdf11af3086eb8ca_e6cb230eShow details
- Checked
- 1 Nov 2026
- URL
https://api.cds.boq.com.au/cds-au/v1/banking/products/f2176288-5c03-ee11-8f6e-00224814dce7- Content hash
sha256 bdf11af3086eb8ca6ac7c1cf33e54321808cfa04ea68861d91087aec71093c90- 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 |
|---|---|---|
| Settlement Fee | Upfront | $150.00 |
| Government and other charges | Other | Set in your letter of offer |
| Application Fee | Upfront | $300.00 |
| Construction Loan Fee | Upfront | $250.00 |
| Security Release Fee | Exit | $350.00 |
| Production Fee | Event | $150.00 |
| Consent Fee | Variation | $300.00 |
| Monthly Fee | Periodic | $10.00 |
| Substitution of Security | Variation | $300.00 |
| Default Fee | Late payment | $30.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | Additional repayments - make unlimited additional repayments at any time | |
| Other | Loan Purpose - Owner Occupied and Investment housing | |
| Redraw | Unlimited free redraw- minimum $100.00 redraw. | |
| Other | Security - Residential property | |
| Other | Maximum LVR - 80% for both Owner Occupied and Investment purposes | |
| Digital banking | ||
| Other | Maximum loan term - 30 years | |
| Other | Loan Switching- switching fee applies | |
| Other | Minimum loan term - 1 year | |
| Other | Repayment frequency -Weekly, fortnightly, monthly | |
| Other | Repayment Options -Principal and Interest, Interest only (maximum 5 years; subject to approval) | |
| Other | Statement frequency - 6 Monthly | |
| Other | Split loans- fixed loan application fee applies | |
| 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. All other eligibility criteria will remain unchanged. |
| Eligibility: min age | 18 | Be 18 years of age or older |
| Eligibility: other | Have never been bankrupt | |
| Eligibility: other | Earn a regular income | |
| Eligibility: natural person | New and existing customers for new lending only. Not available for the refinance or restructure of existing BOQ lending | |
| Eligibility: residency status | Resident or Citizen | Be an Australian citizen or permanent resident |
| Limit: min lvr | 0.0000000000 | |
| Limit: max lvr | 0.9000000000 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 7.82% | 7.96% |
| Variable · investment · principal and interest · LVR 70% or less · $150,000 or more | 1 Nov 2026 | Current | 6.38% | 6.52% |
| Variable · owner occupied · principal and interest · LVR 70% or less · $150,000 or more | 1 Nov 2026 | Current | 6.28% | 6.42% |
| Variable · owner occupied · principal and interest · LVR 80%–90% · $150,000 or more | 1 Nov 2026 | Current | 6.44% | 6.58% |
| Variable · investment · interest only · LVR 80%–90% · $150,000 or more | 1 Nov 2026 | Current | 6.84% | 6.89% |
| Variable · investment · principal and interest · LVR 80%–90% · $150,000 or more | 1 Nov 2026 | Current | 6.69% | 6.83% |
| Variable · investment · principal and interest · LVR 70%–80% · $150,000 or more | 1 Nov 2026 | Current | 6.44% | 6.58% |
| Variable · owner occupied · principal and interest · LVR 70%–80% · $150,000 or more | 1 Nov 2026 | Current | 6.33% | 6.47% |
| Variable · investment · interest only · LVR 70%–80% · $150,000 or more | 1 Nov 2026 | Current | 6.64% | 6.66% |
| Variable · investment · interest only | 1 Nov 2026 | Current | 8.52% | 8.46% |
| Variable · investment · principal and interest | 1 Nov 2026 | Current | 8.17% | 8.31% |
| Variable · investment · interest only · LVR 70% or less · $150,000 or more | 1 Nov 2026 | Current | 6.64% | 6.63% |
| Variable · owner occupied · interest only | 1 Nov 2026 | Current | 8.30% | 8.17% |
*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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