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.
- From (owner occupied)
- 6.35%
- 6.31% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 2 years Owner Occupier, Principal & Interest, 2 years fixed discount rate - max 80% LVR | 6.35% | 6.31% | LVR |
| Fixed · 3 years Owner Occupier, Principal & Interest, 3 years fixed discount rate - max 80% LVR | 6.49% | 6.36% | LVR |
| Fixed · 2 years Owner Occupier, Principal & Interest, 2 years | 6.7% | 8.03% | LVR |
| Fixed · 2 years Owner Occupier, Principal & Interest, 2 years fixed discount rate - max 90% LVR | 6.7% | 6.49% | LVR |
| Fixed · 3 years Owner Occupier, Principal & Interest, 3 years fixed discount rate - max 90% LVR | 6.74% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Settlement Fee | Upfront | $150.00 |
| Monthly Fee Charged monthly · Discounts may apply in some cases. Refer to your Loan schedule for details. | Ongoing | $10.00 |
| Consent Fee Payable whenever we give consent (following a request from you) to a change in security. | Variation | $300.00 |
| Break Cost Administration Fee The Break Cost Administration Fee and Break Costs are charged in accordance with your Facility Agreement, and may be payable if: a fixed rate period is broken (by you paying out the loan or changing loan types or as a consequence of a default causing the full amount of the loan to fall due for payment), you pay more than the total of your elected repayments plus $5,000 in any 12 month period during your fixed rate period, or a Break Cost event occurs and we make a loss from re-arranging our funding | Event | $50.00 |
| Construction Loan Fee | Upfront | $250.00 |
| Production Fee Payable if a certificate of title or any security is required to be produced to another financial institution. | Event | $150.00 |
Features
- Cashback offer — 2000.0000000000
- $2,000 cashback offer only available for owner occupier and investor home loan applications received through a BOQ Branch from 07 July 2025 and settles within 120 days of the loan application date. Applicants must be Australian residents aged 18 years and over who are personal customers taking out a new home loan with BOQ for purchase of an owner occupied or investment residential property. Offer available on BOQ’s Clear Path, Economy, or Fixed Rate home loan products only for owner occupier and investor loans and not available for owner occupier interest only loans and construction loans. Minimum total new lending of $400,000 with a loan to value ratio (LVR) above 80% and subject to the requirement to pay Lenders Mortgage Insurance (LMI). Only one cash back will be paid per qualifying home loan application regardless of the number of borrowers.
- Extra repayments
- Additional repayments - up to $10,000 annually without penalty
- Split loans- fixed loan application fee applies
- Repayment type : Principal and Interest OR Interest only (same term as fixed period and subject to approval)
- Digital banking
Eligibility
- Minimum age — 18 yearsBe 18 years of age or older
- Have never been bankrupt
- Residency status — Resident or CitizenBe an Australian citizen or permanent resident
- Earn a regular income
Constraints
- Minimum LVR — 0%Minimum LVR
- Maximum LVR — 95%Maximum LVR
More Information
Published by Bank of Queensland Limited under the Consumer Data Right · Last updated 6 May 2026 · Product ID 51906e88-5c03-ee11-8f6e-00224814d330 · View on CDR.gov.au