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Example Interest Rates: Home Loan Variable: 5.24% (5.24%*) • Home Loan Fixed: 5.70% (6.06%*) • Fixed: 5.70% (6.06%*) • Variable: 5.24% (5.24%*) • Investment IO: 5.69% (5.72%*) • Investment PI: 5.49% (5.52%*)
Product Library

  Fixed Rate Home Loan

You don't need a fortune teller to find out what the future looks like. A fixed rate home loan gives you the certainty of knowing exactly what your repayments will be for a certain term, while protecting yourself against any potential interest rate rises. And with great interest rates across our range of terms, that certainty comes with a smile.
Category: Home Loans  Last Updated March 19, 2026  Effective April 29, 2026

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Owner Occupier, Principal & Interest, 2 years fixed discount rate - max 80% LVR
Interest Rate
6.19% PA
Comparison Rate
6.07%PA*
Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions.

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.32%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.84%, Comparison Rate 6.36%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.20%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.89%, Comparison Rate 6.41%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.84%, Comparison Rate 6.52%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.94%, Comparison Rate 6.49%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.94%, Comparison Rate 6.40%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.84%, Comparison Rate 6.46%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.34%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.35%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.29%, Comparison Rate 6.69%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.29%, Comparison Rate 6.78%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.39%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.45%, Comparison Rate 6.25%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.80%, Comparison Rate 6.31%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.04%, Comparison Rate 6.60%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.69%, Comparison Rate 6.68%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.94%, Comparison Rate 6.56%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.04%, Comparison Rate 6.66%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.19%, Comparison Rate 6.67%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.27%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 7.09%, Comparison Rate 6.25%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.84%, Comparison Rate 6.43%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.94%, Comparison Rate 6.56%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.41%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 6.13%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.99%, Comparison Rate 6.51%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.94%, Comparison Rate 6.62%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 6.07%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.94%, Comparison Rate 6.42%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.94%, Comparison Rate 6.48%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.14%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.14%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.65%, Comparison Rate 6.28%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.84%, Comparison Rate 6.89%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 7.19%, Comparison Rate 6.59%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.23%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 7.59%, Comparison Rate 6.50%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.44%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.31%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Product Features

  • Cashback Offer Additional Information: $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.
  • Extra Repayments Additional Information: Additional repayments - up to $10,000 annually without penalty
  • Other Additional Information: Split loans- fixed loan application fee applies
  • Other Additional Information: Repayment type : Principal and Interest OR Interest only (same term as fixed period and subject to approval)
  • Digital Banking
  • Other Additional Information: Repayment options -Weekly/ Fortnightly/ Monthly
  • Other Additional Information: 2-5 year fixed rate terms, 30 year maximum loan term
  • Other Additional Information: Maximum loan amount -Borrow up to 90% of property value for discount offers, inclusive of LMI OR Borrow up to 95% of the property value, inclusive of LMI* (Principal and Interest Lending) or 90% of the property value, excluding LMI* (Interest Only Lending) for Owner Occupiers OR Borrow up to 90% of the property value, inclusive of LMI* (Principal and Interest or Interest Only Lending) for Investors
  • Other Additional Information: No minimum loan amount

Product Eligibility

  • Min Age - 18. Additional Information: Be 18 years of age or older
  • Other Additional Information: Have never been bankrupt
  • Residency Status - Resident Or Citizen. Additional Information: Be an Australian citizen or permanent resident
  • Other Additional Information: Earn a regular income

Bank Fees and Charges

  • Settlement Fee (Upfront), Amount: 150.0000.
  • Monthly Fee (Periodic), Amount: 10.0000. Additional Information: Discounts may apply in some cases. Refer to your Loan schedule for details.
  • Consent Fee (Variable), Amount: 300.0000. Additional Information: Payable whenever we give consent (following a request from you) to a change in security.
  • Break Cost Administration Fee (Event), Amount: 50.0000. Additional Information: The Break Cost Administration Fee and Break Costs are charged in accordance with your Facility Agreement, and may be payable if: a fixed rate period is broken (by you paying out the loan or changing loan types or as a consequence of a default causing the full amount of the loan to fall due for payment), you pay more than the total of your elected repayments plus $5,000 in any 12 month period during your fixed rate period, or a Break Cost event occurs and we make a loss from re-arranging our funding
  • Construction Loan Fee (Upfront), Amount: 250.0000.
  • Production Fee (Event), Amount: 150.0000. Additional Information: Payable if a certificate of title or any security is required to be produced to another financial institution.
  • Rate Lock Fee (Upfront), Amount: Not Listed.. Additional Information: Payable if you elect to lock in your interest rate on a fixed rate home loan. We will hold the interest rate for 100 days from the date we process your request after which the rate on the date of lending would apply.
  • Break Cost Fee (Event), Amount: Not Listed.. Additional Information: The amount is calculated in accordance with your Facility Agreement. The Break Cost Administration Fee and Break Costs are charged in accordance with your Facility Agreement, and may be payable if: a fixed rate period is broken (by you paying out the loan or changing loan types or as a consequence of a default causing the full amount of the loan to fall due for payment), you pay more than the total of your elected repayments plus $5,000 in any 12 month period during your fixed rate period, or a Break Cost event occurs and we make a loss from re-arranging our funding
  • Substitution Of Security (Variable), Amount: 300.0000. Additional Information: Payable if we agree to substitution of a security for another security.
  • Security Release Fee (Exit), Amount: 350.0000. Additional Information: Payable when we agree (at your request) to discharge a security.

 Limitations & Restrictions (Constraints)

  • Min Lvr of 0.0000000000 Additional Information: Minimum LVR
  • Max Lvr of 0.9500000000 Additional Information: Maximum LVR

Document Downloads

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Finance Guide, Cropped Top and Bottom
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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