*Terms and conditions, fees and charges apply.
Bank of Queensland 3 Year Fixed Home Loan Special Owner Occupied P&I < 80% has rates from 5.98% p.a. (comparison rate 6.22% p.a.). Up to 80% LVR. Minimum loan amount $150K. No interest only option. Settlement fee of $150 and Rate Lock fee of $225 applies. Other fees and charges apply and may change at any time without notice.
Credit provided by Bank of Queensland Limited ABN 32 009 656 740 (Australian Credit Licence Number 244616) (BOQ). Fees and charges payable. BOQ’s standard credit assessment criteria apply. Full terms and conditions are available 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 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.
Cash Back Terms & Conditions
Special limited time $2,000 cashback offer only available for new refinance applications received from 8 September 2023 that settle within 120 days of the loan application date. This offer is open to Australian residents aged 18 and over who are personal customers taking out a new home loan with BOQ, refinanced from another financial institution. Offer available on BOQ’s Clear Path, Economy, or Fixed Rate home loan products only. Minimum total new lending of at least $250,000. Maximum loan-to-value ratio (LVR) of 80%. Not available for the refinance, restructure or switches of home loans within BOQ Group, which includes BOQ, BOQ Specialist, ME Bank and Virgin Money (Australia). An applicant will be eligible for a maximum of one refinance cashback payment, regardless of the number of loan applications they are party to, provided the total amount drawn at settlement across all loans is at least $250,000. 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 cashback will be paid to the applicant’s BOQ transaction account within 30 days of the settlement date. For multiple home loan applicants the BOQ account needs to be in the name of at least one of the home loan applicants and the cashback will be paid only once to the applicants jointly. If you do not already have one, an eligible BOQ transaction account is required to be established. Offer current as at 8 September 2023. Applicants should seek their own tax advice in relation to the receipt of a cashback on settlement. Fees and charges payable. BOQ’s standard credit assessment criteria apply. Full home loan terms and conditions are available at any BOQ branch.
Limited time offer available for new to bank lending applications received from 10 November 2023. 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 24 January 2024. 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 1 February 2024.