With BOQ, you'll never

first home loan alone.

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Enquire online

Our simple form takes around 1 minute to complete. Let us know what time works best for you and sit back, relax as a BOQ home loan specialist will be in touch.

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Connect With Your Home Loan Specialist

Our BOQ home loan specialist will reach out to you within your requested callback window and support you through your journey to home ownership.

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Choosing the right first home loan is just as important as finding the right first home for you. Chat to us today to make sure your home loan has all the features to suit your personal circumstances.

Economy Variable Home Loan

A simple home loan doesn’t mean you have to compromise on its features.

  • Owner Occupier and Investor options available
  • Unlimited free redraw
  • Unlimited additional repayments
Fixed Rate Home Loan

Fixed Rate Home Loan

A fixed rate home loan gives you the certainty of knowing exactly what your repayments will be for up to 5 years, while protecting yourself against any potential interest rate rises.

  • Owner occupier and investor options available
  • Great interest rates across our range of terms
  • Repayment options available include Principal and Interest repayments and Interest Only repayments
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First home buyer? You’ll never home alone with BOQ’s family guarantee. You could…

Find out more

Get home sooner with BOQ’s Family Guarantee

BOQ have introduced Family Guarantee to help First Home Buyers get a leg up in the property market. It provides an easier path for immediate family members of First Home Buyers to enter a guarantee arrangement with BOQ with less lengthy documentation, and can decrease risk and provide several benefits; including reduced deposits required, higher borrowing power and savings on LMI.

Handy tools

You can use our home loan calculators to estimate your borrowing power and repayments, and our free Property and Suburb reports to put detailed insights at your fingertips in minutes.

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Borrowing Power Calculator

Compare our Home Loans

Free Property report

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We're here to answer the questions you might have.

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Important Information

This website may contain general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it.

  1. Conditions, criteria and fees apply. Full terms and conditions are available online or at any BOQ branch. Interest rates quoted are indicative only, and are subject to change without notice.

    ^Comparison rates calculated on the basis of a 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. Information current as at 29 August 2025.

*Subject to accepting BOQ’s terms and conditions as amended from time to time. Detailed property information varies from property to property. Carrier fees and charges may apply.

3 Limited time offer available for new to bank lending applications received from 29 August 2025. 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.

4Offer available for minimum $150,000 new to bank owner occupied lending only. For applications received from 29 August 2025. 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 29 August 2025.