Home loan interest rates - new loans only
Owner occupied home lending interest rates
Investment lending interest rates
Loan amount/
Fixed rate term | Lending reference rate | Lending reference rates
(%p.a.) | Margin
(%p.a.) | Annual percentage rate
(%p.a.) | Comparison rate
(%p.a.) |
|---|
| |
|---|
| Standard Variable Home Loan |
$150,000 to less than $200,000 | Standard Variable Housing Rate | 7.74 | -0.25 | 7.49 | 7.80 |
$200,000 to less than $250,000 | Standard Variable Housing Rate | 7.74 | -0.40 | 7.34 | n/a |
$250,000 + | Standard Variable Housing Rate | 7.74 | -0.70 | 7.04 | n/a |
| Standard Variable Investment Home Loan |
$150,000 to less than $200,000 | Standard Variable Investment Housing Rate | 7.84 | -0.25 | 7.59 | n/a |
$200,000 to less than $250,000 | Standard Variable Investment Housing Rate | 7.84 | -0.40 | 7.44 | n/a |
$250,000 + | Standard Variable Investment Housing Rate | 7.84 | -0.70 | 7.14 | n/a |
| Line of Credit Facility |
$150,000 to less than $200,000 | Come-n-Go Line of Credit Rate | Investment Come-n-Go Line of Credit Rate | 7.99 | -0.40 | 7.59 | n/a |
$200,000 to less than $250,000 | Come-n-Go Line of Credit Rate | Investment Come-n-Go Line of Credit Rate | 7.99 | -0.55 | 7.44 | n/a |
$250,000 + | Come-n-Go Line of Credit Rate | Investment Come-n-Go Line of Credit Rate | 7.99 | -0.85 | 7.14 | n/a |
| Fixed Rate Home Loan |
| 1 year | 1 year fixed rate | 1 year fixed investment rate | 6.99 | 0.00 | 6.99 | 7.74 |
| 2 year | 2 year fixed rate | 2 year fixed investment rate | 6.99 | 0.00 | 6.99 | 7.69 |
| 3 year | 3 year fixed rate | 3 year fixed investment rate | 7.09 | 0.00 | 7.09 | 7.68 |
| 4 year | 4 year fixed rate | 4 year fixed investment rate | 7.39 | 0.00 | 7.39 | 7.76 |
| 5 year | 5 year fixed rate | 5 year fixed investment rate | 7.39 | 0.00 | 7.39 | 7.75 |
Lending reference rate | Lending reference rates
(%p.a.) | Margin
(%p.a.) | Annual percentage rate
(%p.a.) | Comparison rate
(%p.a.) |
|---|
Owner occupied | Investment |
|---|
1 year fixed rate | 1 year fixed investment rate | 6.99 | 0.00 | 6.99 | 7.78 |
2 year fixed rate | 2 year fixed investment rate | 6.99 | 0.00 | 6.99 | 7.71 |
3 year fixed rate | 3 year fixed investment rate | 7.09 | 0.00 | 7.09 | 7.67 |
4 year fixed rate | 4 year fixed investment rate | 7.39 | 0.00 | 7.39 | 7.73 |
5 year fixed rate | 5 year fixed investment rate | 7.39 | 0.00 | 7.39 | 7.70 |
Low Doc 1 year fixed rate | Low Doc 1 year fixed investment rate | 7.24 | 0.00 | 7.24 | 8.07 |
Low Doc 2 year fixed rate | Low Doc 2 year fixed investment rate | 7.24 | 0.00 | 7.24 | 7.99 |
Low Doc 3 year fixed rate | Low Doc 3 year fixed investment rate | 7.34 | 0.00 | 7.34 | 7.95 |
Low Doc 4 year fixed rate | Low Doc 4 year fixed investment rate | 7.64 | 0.00 | 7.64 | 8.02 |
Low Doc 5 year fixed rate | Low Doc 5 year fixed investment rate | 7.64 | 0.00 | 7.64 | 7.99 |
Interest prepaid rates
Fixed rate term | Lending reference rate | Lending reference rates
(%p.a.) | Margin
(%p.a.) | Annual percentage rate
(%p.a.) |
|---|
Fixed 1 year | Interest pre paid rate | 6.89 | 0.00 | 6.89 |
View all of today's rates
Important information
Fees and charges payable on lending products. Normal credit assessment criteria apply. Full terms and conditions are available at any Bank of Queensland branch.
Interest rates quoted are indicative only, and are subject to change without notice. Fixed interest rates may vary between application and drawdown of the loan.
Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.
1 Standard Variable rate applies during construction.
2 Interest Prepaid loans can be re-fixed each year for a maximum 5 year term.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.
Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Comparison rates calculated for a wider range of loan amounts and terms are available on the Bank of Queensland Home Loan Comparison Rate Schedule (PDF 16kb). A Comparison Rate Schedule is also available from any Bank of Queensland branch.