---
title: "Fixed Rate Home Loan — Bank of Queensland Limited"
description: "Home Loans from Bank of Queensland Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bank-of-queensland-limited/products/51906e88-5c03-ee11-8f6e-00224814d330
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-27T06:27:20Z
---

# Fixed Rate Home Loan — Bank of Queensland Limited

> Home Loans from Bank of Queensland Limited. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Bank of Queensland**

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.

## At a glance

- **From (owner occupied):** 6.24% (6.28% comparison)

## Apply

Applications are handled by the provider: [Apply at Bank of Queensland Limited](https://www.boq.com.au/personal/home-loans/fixed-rate-home-loan)

## 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) | 6.24% | 6.28% | LVR ≤80% |
| Fixed · 3 years (Owner Occupier, Principal & Interest, 3 years fixed discount rate - max 80% LVR) | 6.29% | 6.31% | LVR ≤80% |
| Fixed · 3 years (Owner Occupier, Principal & Interest, 3 years fixed discount rate - max 90% LVR) | 6.54% | 6.48% | LVR 80.01–90% |
| Fixed · 2 years (Owner Occupier, Principal & Interest, 2 years fixed discount rate - max 90% LVR) | 6.59% | 6.47% | LVR 80.01–90% |
| Fixed · 2 years (Owner Occupier, Principal & Interest, 2 years) | 6.59% | 8.01% | LVR ≤95% |
| Fixed · 3 years (Owner Occupier, Principal & Interest, 3 years) | 6.64% | 7.87% | LVR ≤95% |
| Fixed · 4 years (Owner Occupier, Principal & Interest, 4 years fixed discount rate - max 80% LVR) | 6.79% | 6.5% | LVR ≤80% |
| Fixed · 5 years (Owner Occupier, Principal & Interest, 5 years fixed discount rate - max 80% LVR) | 6.79% | 6.55% | LVR ≤80% |
| Fixed · 5 years (Owner Occupier, Principal & Interest, 5 years fixed discount rate - max 90% LVR) | 7.04% | 6.75% | LVR 80.01–90% |
| Fixed · 4 years (Owner Occupier, Principal & Interest, 4 years fixed discount rate - max 90% LVR) | 7.04% | 6.69% | LVR 80.01–90% |
| Fixed · 4 years (Owner Occupier, Principal & Interest, 4 years) | 7.14% | 7.93% | LVR ≤95% |
| Fixed · 5 years (Owner Occupier, Principal & Interest, 5 years) | 7.14% | 7.85% | LVR ≤95% |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years (Owner Occupier, Interest Only, 2 years) | 7.09% | 7.84% | LVR ≤90% |
| Fixed · 3 years (Owner Occupier, Interest only, 3 years) | 7.59% | 8.06% | LVR ≤90% |
| Fixed · 4 years (Owner Occupier, Interest only, 4 years) | 7.69% | 8.1% | LVR ≤90% |
| Fixed · 5 years (Owner Occupier, Interest only, 5 years) | 7.84% | 8.17% | LVR ≤90% |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years (Investor, Principal & Interest, 2 years fixed discount rate - max 80% LVR) | 6.39% | 6.43% | LVR ≤80% |
| Fixed · 3 years (Investor, Principal & Interest, 3 years fixed discount rate - max 80% LVR) | 6.44% | 6.46% | LVR ≤80% |
| Fixed · 3 years (Investor, Principal & Interest, 3 years fixed discount rate - max 90% LVR) | 6.54% | 6.66% | LVR 80.01–90% |
| Fixed · 2 years (Investor, Principal & Interest, 2 years fixed discount rate - max 90% LVR) | 6.59% | 6.67% | LVR 80.01–90% |
| Fixed · 2 years (Investor, Principal & Interest, 2 Years) | 6.74% | 8.52% | LVR ≤90% |
| Fixed · 3 years (Investor, Principal & Interest, 3 years) | 6.79% | 8.35% | LVR ≤90% |
| Fixed · 4 years (Investor, Principal & Interest, 4 years fixed discount rate - max LVR 80%) | 7.04% | 6.69% | LVR ≤80% |
| Fixed · 5 years (Investor, Principal & Interest, 5 years fixed discount rate - max LVR 80%) | 7.04% | 6.75% | LVR ≤80% |
| Fixed · 4 years (Investor, Principal & Interest, 4 years fixed discount rate - max LVR 90%) | 7.14% | 6.89% | LVR 80.01–90% |
| Fixed · 5 years (Investor, Principal & Interest, 5 years fixed discount rate - max LVR 90%) | 7.14% | 6.93% | LVR 80.01–90% |
| Fixed · 4 years (Investor, Principal & Interest, 4 years) | 7.39% | 8.4% | LVR ≤90% |
| Fixed · 5 years (Investor, Principal & Interest, 5 years) | 7.39% | 8.29% | LVR ≤90% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years (Investor, Interest Only, 2 years fixed discount rate - max 80% LVR) | 6.39% | 6.43% | LVR ≤80% |
| Fixed · 3 years (Investor, Interest only, 3 years fixed discount rate - max 80% LVR) | 6.44% | 6.45% | LVR ≤80% |
| Fixed · 3 years (Investor, Interest only, 3 years fixed discount rate - max 90% LVR) | 6.54% | 6.66% | LVR 80.01–90% |
| Fixed · 2 years (Investor, Interest Only, 2 years fixed discount rate - max 90% LVR) | 6.59% | 6.67% | LVR 80.01–90% |
| Fixed · 2 years (Investor, Interest only, 2 years) | 6.74% | 8.02% | LVR ≤90% |
| Fixed · 3 years (Investor, Interest only, 3 years) | 6.79% | 8.05% | LVR ≤90% |
| Fixed · 5 years (Investor, Interest only, 5 years fixed discount rate - max LVR 80%) | 7.14% | 6.77% | LVR ≤80% |
| Fixed · 4 years (Investor, Interest only, 4 years fixed discount rate - max 80% LVR) | 7.14% | 6.71% | LVR ≤80% |
| Fixed · 4 years (Investor, Interest only, 4 years fixed discount rate - max 90% LVR) | 7.24% | 6.91% | LVR 80.01–90% |
| Fixed · 5 years (Investor, Interest only, 5 years fixed discount rate - max LVR 90%) | 7.24% | 6.96% | LVR 80.01–90% |
| Fixed · 5 years (Investor, Interest only, 5 years) | 7.49% | 8.35% | LVR ≤90% |
| Fixed · 4 years (Investor, Interest only, 4 years) | 7.49% | 8.35% | LVR ≤90% |
| Fixed · 1 year (Investor, Interest Prepaid, 1 year) | 7.8% | 8.86% | LVR ≤80% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Rate Lock Fee — Payable if you elect to lock in your interest rate on a fixed rate home loan. We will hold the interest rate for 100 days from the date we process your request after which the rate on the date of lending would apply. | Upfront | 0.15% of balance |
| 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 |
| Default Fee — 10 · Payable 10 days after a repayment date if you have not paid your repayment or any other payment in full on or before that repayment date. A further default fee is payable 10 days after the repayment date in each subsequent month until all overdue amounts are paid. | Late payment | $30.00 |
| Break Cost Fee — The amount is calculated in accordance with your Facility Agreement. 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 | Variable |
| Substitution of Security — Payable if we agree to substitution of a security for another security. | Variation | $300.00 |
| Government and other charges — Fees payable to third parties. Fees may include but are not limited to - Mortgage duty, Mortgage lodgement fee, Land title search fee etc. Fees may vary by state. Refer to your loan schedule for a complete list of third-party fees that apply to your account. | Other | Variable |
| Security Release Fee — Payable when we agree (at your request) to discharge a security. | Exit | $350.00 |

## Features

- **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**
- **Repayment options -Weekly/ Fortnightly/ Monthly**
- **2-5 year fixed rate terms, 30 year maximum loan term**
- **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**
- **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

- **Minimum age** — 18 years (Be 18 years of age or older)
- **Have never been bankrupt**
- **Residency status** — Resident or Citizen (Be an Australian citizen or permanent resident)
- **Earn a regular income**

## Constraints

- **Minimum LVR** — 0% (Minimum LVR)
- **Maximum LVR** — 95% (Maximum LVR)

## More information from Bank of Queensland Limited

- [Overview](https://www.boq.com.au/personal/home-loans/fixed-rate-home-loan)
- [Terms & conditions](https://www.boq.com.au/important-information/terms-and-conditions)
- [Eligibility](https://www.boq.com.au/personal/home-loans/fixed-rate-home-loan)
- [Fees & pricing](https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/personal/personal-banking-guide-to-fees-and-charges.pdf)

## Data provenance

- Published by Bank of Queensland Limited under the Consumer Data Right
- Product ID: `51906e88-5c03-ee11-8f6e-00224814d330`
- Last updated by the provider: 27 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-of-queensland-limited/51906e88-5c03-ee11-8f6e-00224814d330
- Provider page: https://www.cdrcompare.au/brands/bank-of-queensland-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000241

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-of-queensland-limited/products/51906e88-5c03-ee11-8f6e-00224814d330) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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