Staff, Friends and Family exclusive{yellow-border}
You might’ve heard whispers about our upcoming HLx program — our brand-new, seamless, fully digital home loan experience from Bank of Queensland.
Before the rest of Australia gets a look in, we’re giving our own backyard first pick. That means you, your family, and your mates get the chance to jump on this pilot program and refinance to a home loan that’s as refreshing as a dip at a Queensland beach.
Meet our new home loans.{yellow-border}
Straight-talking home loans made simple so you can find the one that’s just right for your patch of paradise.{sub-heading}
Essential Home Loan
Keeps it simple, with all the essentials. Packed with features and low on fees, our BOQ Essential Home Loan is your no frills, all value option.
- Options for both owner occupiers and investors
- Unlimited free redraw (min $100)
- Unlimited additional repayments
- Competitive rates to keep more in your pocket
Plus Home Loan
If you’re after a fully-featured home loan that keeps your options open and your rate low, our BOQ Plus Home Loan is built for you.
- Options for both owner occupiers and investors
- Mortgage offset to help save on interest
- Unlimited free redraws (min $100) and flexible repayments
Interest rate2
{hlx-rates||105462||VariableRate}% P.A.{rate-display}
For owner occupiers
Comparison rate*
{hlx-rates||105462||VariableRate_AAPR}% P.A.{rate-display}
Essential Home Loan
Keeps it simple, with all the essentials. Packed with features and low on fees, our BOQ Essential Home Loan is your no frills, all value option.
- Options for both owner occupiers and investors
- Unlimited free redraw (min $100)
- Unlimited additional repayments
- Competitive rates to keep more in your pocket
Plus Home Loan
If you’re after a fully-featured home loan that keeps your options open and your rate low, our BOQ Plus Home Loan is built for you.
- Options for both owner occupiers and investors
- Mortgage offset to help save on interest
- Unlimited free redraws (min $100) and flexible repayments
Essential Owner Occupier{yellow-border}
Owner Occupier - Variable
<$150K
Owner Occupier - Variable
≥$150K
Owner Occupier - Fixed
LVR 0% to 60%
Owner Occupier - Fixed
LVR 60.01% to 70%
Owner Occupier - Fixed
LVR 70.01% to 80%
Owner Occupier - Fixed
LVR 80.01% to 90%
Owner Occupier - Fixed
LVR 90.01% to 95%
Essential Investment{yellow-border}
Investment - Variable
≥$150K
Investment - Fixed
LVR 0% to 60%
Investment - Fixed
LVR 60.01% to 70%
Investment - Fixed
LVR 70.01% to 80%
Investment - Fixed
LVR 80.01% to 90%
Investment - Fixed
LVR 90.01% to 95%
Digital Home Loans built for the myBOQ app{yellow-border}
Link and unlink offsets
Reduce the interest you pay on your BOQ Plus variable rate home loan.
Manage repayments
Choose how you repay — minimum, extra, or fixed amounts, plus frequency and repayment account.
A home loan in your hands.
Manage your home loan right from the palm of your hands with the myBOQ app.
Plus Owner Occupier{yellow-border}
Owner Occupier - Variable
≥$150K to $399K
Owner Occupier - Variable
≥$400K
Owner Occupier - Fixed
0% to 60%
Owner Occupier - Fixed
LVR 60.01% to 70%
Owner Occupier - Fixed
LVR 70.01% to 80%
Owner Occupier - Fixed
LVR 80.01% to 90%
Owner Occupier - Fixed
LVR 90.01% to 95%
Plus Investment{yellow-border}
Investment - Variable
≥$150K to $399K
Investment - Variable
≥$400K
Investment - Fixed
LVR 0% to 60%
Investment - Fixed
LVR 60.01% to 70%
Investment - Fixed
LVR 70.01% to 80%
Investment - Fixed
LVR 80.01% to 90%
Investment - Fixed
LVR 90.01% to 95%
Fees and changes.{yellow-border}
We like to keep things simple, so here’s a quick rundown of the main upfront fees for the SFF Pilot — and which ones BOQ Group employees get a free pass on.{sub-heading}
For a full list of fees and charges that could apply refer to our Lending Guide to Fees and Charges.
Before you apply there are somethings you need to consider.
You might be a match if:
- Refinancing a residential property (can be Owner Occupied or Investment).
- The loan is no more than 90% of the property’s value.
- None of the applicants are self-employed.
- Minimum $20k loan.
- You are able to make home loan repayments via direct debit.
- You're willing to open an Everyday account.
- You're able to access the myBOQ app.
You won't be a match if you :
- If you are purchasing a new property.
- If you are building a new property.
- Have more than two applicants on your home loan.
- You are self-employed.
- Require a guarantor to support the application.
- Require the First Home Buyers Grant
- You are an overseas resident.
- You have foreign tax obligations.
There are a few things you can't do (We are working on them though):
- Change your repayment from Principal & Interest to Interest Only after settlement.
- Substitute a security or request our consent to a title variation after settlement.
- You won't be able to share your banking data to third parties via open banking.
- Request to change the loan term (both reduction or extension) after settlement.
Important Information{yellow-border}
Electronic Banking Terms and Conditions
PDF{sub-tag}
Home Lending Terms and Conditions
PDF{sub-tag}
Lending Guide to Fees and Charges
PDF{sub-tag}
Mortgage Terms and Conditions
PDF{sub-tag}
PayID Terms and Conditions
PDF{sub-tag}
Privacy Collection and Credit Reporting Notice
PDF{sub-tag}
Staff, Friends and Family Pilot Participation Terms
PDF{sub-tag}
Target Market Determination{yellow-border}
Essential Home Loan
PDF{sub-tag}
Plus Home Loan
PDF{sub-tag}
Everyday Account
PDF{sub-tag}
Something bugging you?
Noticing any bugs or kinks that need ironing out? Here’s what we’ve identified. If you’ve run into a different issue, update us so we can fix it for you.{sub-heading}
Need to chat home loans?
Want to know what is happening with your application, or found something that isn’t working? We are here to help.{sub-heading}
myBOQ chat
For all general enquiries chat to us using the myBOQ app
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