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Comparison rates calculated on the basis of a secured loan of $150,000 for 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. Comparison rate for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed interest only loans are based on an initial Interest Only period equal in length to the fixed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

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$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. In the case of multiple qualifying applications, only one cash back will be paid. The cash back amount will be paid within 60 days of loan settlement into the BOQ Transaction Account held by the borrower first listed on the application. In the event the first listed borrower doesn’t hold a BOQ Transaction account, then the cash back will be credited to the home loan it applies to. Offer current as at 07 July 2025.

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BOQ Platinum Visa or Blue Visa Credit cards applied for as part of any application for an eligible BOQ home loan have a $0 annual fee whilst you are a BOQ home loan customer. The standard annual fee applicable for the Platinum Visa or Blue Visa at the relevant time will apply if you cease to be a BOQ home loan customer. All applications must meet approval guidelines on all products to qualify. This includes BOQ and Citigroup's standard credit assessment criteria (as the case may be). Benefits cannot be taken in conjunction with or in addition to any other packages, negotiated interest rates or special offers.

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Limited time offer available for new to bank lending applications received from 6 February 2026. Application must have a minimum loan amount of $150,000 and maximum Loan to Value Ratio (LVR) of 70%. Not available for refinance or restructure of existing BOQ Group loans (which includes BOQ, BOQ Specialist, ME Bank and Virgin Money (Australia)), construction home loans or self-managed super fund loans. Full terms and conditions available at any BOQ branch or online at www.boq.com.au. Conditions, Criteria and Fees apply.

Offer available for minimum $150,000 new to bank owner occupied lending only. For applications received from 6 February 2026. Maximum LVR up to 80%. Not available for Interest Only lending. Not available for the refinance or restructure of existing BOQ loans, construction home loans or Self-Managed Super Fund loans. Full terms and conditions available online at www.boq.com.au. Conditions, Criteria and Fees Apply. Information current as at 6 February 2026.

Offer available for minimum $150,000 new to bank owner occupied lending only. For applications received from 6 February 2026. Maximum LVR up to 80%. Not available for Interest Only lending. Not available for the refinance or restructure of existing BOQ loans or Self-Managed Super Fund loans. Full terms and conditions available online at www.boq.com.au. Conditions, Criteria and Fees Apply. Information current as at 6 February 2026.