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Interest rates are current as at 16 January 2026 and are subject to change. The variable interest rate may include a discount or margin that is applied to the product’s variable base rate. Variable interest rates may include a discount or margin that is applied to the product’s variable base rate. Discounts are offered to new home loan applications only. The discount cannot be used with any other rate promotion. Existing applications, internal refinances, top ups, additional advances or variations of existing home loans are not eligible. We may change or withdraw any discount or margin at any time.

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Home Loan comparison rates are based on a loan of $150,000 for a term of 25 years, repaid monthly. For variable loans with interest only repayments, the comparison rates are based on an initial 5 year interest only period. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. The comparison rates for fixed loans with interest only repayments are based on the interest- only period being equal to the fixed rate term.

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Available for new Bank of Queensland Essential owner occupier, principal and interest loans, Minimum loan size $150K. max 80% LVR#.

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Available for new Bank of Queensland Plus owner occupier, principal and interest loans, Minimum loan size $150K. max 80% LVR#.

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Available for new Bank of Queensland Plus 2 year fixed owner occupier, principal and interest loans, min loan $20k, max 80% LVR#.

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Available for new Bank of Queensland Essential 2 year fixed owner occupier, principal and interest loans, min loan $20k, max 80% LVR#.

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Additional repayments made into a fixed rate home loan are limited to $10,000 per year and are not available for redraw during the fixed period.

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Loan to Value Ratio (LVR) is the loan amount divided by the value of your property (determined by BOQ at assessment), multiplied by 100.

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Special limited time $2,000 cashback offer available on new refinances of an existing home loan from another financial institution received between 29 September 2025 and 31 March 2026 through BOQ’s direct proprietary channels by an authorised BOQ staff member (in person or via a digital platform) and settle within 120 days of the loan application date. Minimum total new lending of $400,000 and loan-to-value ratio (LVR) of up to 80%. This minimum amount cannot be split across multiple applications. Offer available to Owner Occupiers and Investors on BOQ’s digital Essential and Plus home loan products only but is not available to applications for construction loans and for owner occupied loans with interest only repayments. This offer is not available where any of the loan proceeds are for the refinance, restructure or switches of home loans from BOQ or other lenders within the BOQ Group, which includes BOQ Specialist, ME Bank and Virgin Money Australia. 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. Customers who have received a refinance cashback payment from within the BOQ Group within the 12 months prior to their loan application date will be ineligible for this offer. 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. If 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. Terms, conditions, fees, and charges apply. Applications are subject to credit approval. The offer can be withdrawn or varied at any time.