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Bank of Queensland · Home loans
Fixed Rate Home Loan
Bank of Queensland's Fixed Rate Home Loan is a home loan. The figures are the ones Bank of Queensland publishes under the Consumer Data Right today. The advertised rate last moved on 8 October 2026, up from 6.24% to 6.79%.
Advertised rate
6.79%
headline tier
Comparison rate
6.59%
as published
Last moved
+0.55pp
8 October 2026
Advertised rate, last 30 days. Between 6.24% and 6.79% over the last 30 days.
Every current rate (41)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 2 years, Owner occupier, P&I, LVR up to 80% | 6.79% | 6.59% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 80% | 6.84% | 6.64% |
| Fixed 2 years, Investor, Interest only, LVR up to 80% | 6.94% | 6.74% |
| Fixed 2 years, Investor, P&I, LVR up to 80% | 6.94% | 6.74% |
| Fixed 3 years, Investor, P&I, LVR up to 80% | 6.99% | 6.79% |
| Fixed 3 years, Investor, Interest only, LVR up to 80% | 6.99% | 6.78% |
| Fixed 4 years, Owner occupier, P&I, LVR up to 80% | 6.99% | 6.73% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 80% | 6.99% | 6.78% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 90% | 7.09% | 7.97% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 90% | 7.09% | 6.82% |
| Fixed 3 years, Investor, Interest only, LVR 80 to 90% | 7.09% | 6.99% |
| Fixed 3 years, Investor, P&I, LVR 80 to 90% | 7.09% | 7.00% |
| Fixed 2 years, Investor, P&I, LVR 80 to 90% | 7.14% | 6.98% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 90% | 7.14% | 6.78% |
| Fixed 2 years, Investor, Interest only, LVR 80 to 90% | 7.14% | 6.98% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 95% | 7.14% | 8.32% |
| Fixed 4 years, Investor, P&I, LVR up to 80% | 7.14% | 6.89% |
| Fixed 5 years, Investor, P&I, LVR up to 80% | 7.14% | 6.93% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 95% | 7.19% | 8.21% |
| Fixed 4 years, Investor, Interest only, LVR up to 80% | 7.19% | 6.89% |
| Fixed 5 years, Investor, Interest only, LVR up to 80% | 7.19% | 6.94% |
| Fixed 4 years, Owner occupier, P&I, LVR 80 to 90% | 7.24% | 6.92% |
| Fixed 4 years, Investor, P&I, LVR 80 to 90% | 7.24% | 7.08% |
| Fixed 5 years, Investor, P&I, LVR 80 to 90% | 7.24% | 7.11% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 90% | 7.24% | 6.98% |
| Fixed 2 years, Investor, Interest only, LVR up to 90% | 7.29% | 8.40% |
| Fixed 2 years, Investor, P&I, LVR up to 90% | 7.29% | 8.83% |
| Fixed 4 years, Investor, Interest only, LVR 80 to 90% | 7.29% | 7.09% |
| Fixed 5 years, Investor, Interest only, LVR 80 to 90% | 7.29% | 7.12% |
| Fixed 3 years, Investor, Interest only, LVR up to 90% | 7.34% | 8.42% |
| Fixed 3 years, Investor, P&I, LVR up to 90% | 7.34% | 8.68% |
| Fixed 4 years, Owner occupier, P&I, LVR up to 95% | 7.34% | 8.16% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 95% | 7.34% | 8.07% |
| Fixed 4 years, Investor, P&I, LVR up to 90% | 7.49% | 8.59% |
| Fixed 5 years, Investor, P&I, LVR up to 90% | 7.49% | 8.47% |
| Fixed 4 years, Investor, Interest only, LVR up to 90% | 7.54% | 8.51% |
| Fixed 5 years, Investor, Interest only, LVR up to 90% | 7.54% | 8.51% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 90% | 7.59% | 8.19% |
| Fixed 4 years, Owner occupier, Interest only, LVR up to 90% | 7.69% | 8.24% |
| Fixed 1 year, Investor, Interest only, LVR up to 80% | 7.80% | 9.08% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 90% | 7.84% | 8.30% |
Rate moves, last 30 days
- 8 October 2026: Fixed 5 years, Owner occupier, P&I, LVR up to 95% lifted 0.20pp, from 7.14% to 7.34%.
- 8 October 2026: Fixed 5 years, Owner occupier, P&I, LVR 80 to 90% lifted 0.20pp, from 7.04% to 7.24%.
- 8 October 2026: 18 tiers lifted 0.55pp; the lowest, Fixed 2 years, Owner occupier, P&I, LVR up to 80%, from 6.24% to 6.79%.
Published fees
| Fee | Amount |
|---|---|
| Rate Lock Feeupfront: Payable if you elect to lock in your interest rate on a fixed rate home loan. | see lender |
| Settlement Feeupfront | $150 |
| Monthly Feerecurring: Discounts may apply in some cases. | $10 |
| Consent Feeon variation: Payable whenever we give consent (following a request from you) to a change in security. | $300 |
| Break Cost Administration Feewhen it happens: 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 ( | $50 |
| Construction Loan Feeupfront | $250 |
| Production Feewhen it happens: Payable if a certificate of title or any security is required to be produced to another financial institution. | $150 |
| Default Feelate payment: Payable 10 days after a repayment date if you have not paid your repayment or any other payment in full on or before that repayment date. | $30 |
| Break Cost Feewhen it happens: The amount is calculated in accordance with your Facility Agreement. | see lender |
| Substitution of Securityon variation: Payable if we agree to substitution of a security for another security. | $300 |
| Government and other charges: Fees payable to third parties. | see lender |
| Security Release Feeon exit: Payable when we agree (at your request) to discharge a security. | $350 |
Other Bank of Queensland home loans
BOQ Essential Home Loan 6.28%Economy Variable Home Loan 6.28%BOQ Plus Home Loan 6.39%Clear Path Variable Home Loan 6.39%
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