Clear Path Variable Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$2,000 cashback
Interest
6.03%p.a.
Comparison*
6.07%p.a.
Monthly repayment
$3,007
LVR ≤80%
Bank of Queensland Limited Home Loan Rates
Active products
26
Lowest variable
6.03%
Lowest fixed
6.35%
Lowest comparison
6.07%
Last updated
28 July 2026
Bank of Queensland (BOQ) is an ASX-listed regional bank headquartered in Brisbane, with a national branch network. Its Economy and Premier Plus variable products anchor the offering, with the Privileges Package adding offset and credit-card waivers. BOQ owns ME Bank and Virgin Money Australia.
What is the lowest Bank of Queensland Limited home loan rate?
The lowest Bank of Queensland Limited variable home loan rate Ratesniffers tracks is 6.03% p.a., and the lowest fixed rate is 6.35% p.a. These figures come from the 25 Bank of Queensland Limited products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does Bank of Queensland Limited offer?
Ratesniffers currently tracks 25 Bank of Queensland Limited home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Bank of Queensland Limited home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.03% p.a. | 6.07% p.a. | 100% |
| Variable Owner-occupier P&I | 6.03% p.a. | 6.07% p.a. | 100% |
| Variable Investor P&I | 6.13% p.a. | 6.17% p.a. | 100% |
| Variable Investor P&I | 6.13% p.a. | 6.17% p.a. | 100% |
| Fixed 2-year Owner-occupier P&I | 6.35% p.a. | 6.39% p.a. | 95% |
| Variable Investor interest-only | 6.39% p.a. | 6.43% p.a. | 100% |
| Variable Investor interest-only | 6.39% p.a. | 6.43% p.a. | 100% |
| Fixed 3-year Owner-occupier P&I | 6.49% p.a. | 6.53% p.a. | 95% |
| Fixed 2-year Investor P&I | 6.65% p.a. | 6.69% p.a. | 90% |
| Fixed 3-year Investor P&I | 6.74% p.a. | 6.78% p.a. | 90% |
| Fixed 5-year Owner-occupier P&I | 6.79% p.a. | 6.83% p.a. | 95% |
| Fixed 4-year Owner-occupier P&I | 6.79% p.a. | 6.83% p.a. | 95% |
25 Bank of Queensland Limited home loan products
Economy Variable Home Loan
Owner-occupierVariableP&IRedrawExtra repayments$2,000 cashback
Interest
6.03%p.a.
Comparison*
6.07%p.a.
Monthly repayment
$3,007
LVR 70–80%
Clear Path Variable Home Loan
InvestorVariableP&IOffsetRedrawExtra repayments$2,000 cashback
Interest
6.13%p.a.
Comparison*
6.17%p.a.
Monthly repayment
$3,040
LVR ≤80%
Economy Variable Home Loan
InvestorVariableP&IRedrawExtra repayments$2,000 cashback
Interest
6.13%p.a.
Comparison*
6.17%p.a.
Monthly repayment
$3,040
LVR 70–80%
Fixed Rate Home Loan
Owner-occupier2y FixedP&IExtra repayments$2,000 cashback
Interest
6.35%p.a.
Comparison*
6.39%p.a.
Monthly repayment
$3,111
LVR ≤80%
Clear Path Variable Home Loan
InvestorVariableInterest onlyOffsetRedrawExtra repayments$2,000 cashback
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR ≤80%
Economy Variable Home Loan
InvestorVariableInterest onlyRedrawExtra repayments$2,000 cashback
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
Fixed Rate Home Loan
Owner-occupier3y FixedP&IExtra repayments$2,000 cashback
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
Fixed Rate Home Loan
Investor2y FixedP&IExtra repayments$2,000 cashback
Interest
6.65%p.a.
Comparison*
6.69%p.a.
Monthly repayment
$3,210
LVR ≤80%
Fixed Rate Home Loan
Investor3y FixedP&IExtra repayments$2,000 cashback
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR ≤80%
Fixed Rate Home Loan
Owner-occupier5y FixedP&IExtra repayments$2,000 cashback
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR ≤80%
Fixed Rate Home Loan
Owner-occupier4y FixedP&IExtra repayments$2,000 cashback
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR ≤80%
Fixed Rate Home Loan
Investor2y FixedInterest onlyExtra repayments$2,000 cashback
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR ≤80%
Fixed Rate Home Loan
Investor3y FixedInterest onlyExtra repayments$2,000 cashback
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR ≤80%
Fixed Rate Home Loan
Investor5y FixedP&IExtra repayments$2,000 cashback
Interest
7.04%p.a.
Comparison*
7.08%p.a.
Monthly repayment
$3,340
LVR ≤80%
Fixed Rate Home Loan
Investor4y FixedP&IExtra repayments$2,000 cashback
Interest
7.04%p.a.
Comparison*
7.08%p.a.
Monthly repayment
$3,340
LVR ≤80%
Fixed Rate Home Loan
Owner-occupier2y FixedInterest onlyExtra repayments$2,000 cashback
Interest
7.09%p.a.
Comparison*
7.13%p.a.
Monthly repayment
$3,357
LVR ≤90%
Fixed Rate Home Loan
Investor4y FixedInterest onlyExtra repayments$2,000 cashback
Interest
7.14%p.a.
Comparison*
7.18%p.a.
Monthly repayment
$3,374
LVR ≤80%
Fixed Rate Home Loan
Investor5y FixedInterest onlyExtra repayments$2,000 cashback
Interest
7.14%p.a.
Comparison*
7.18%p.a.
Monthly repayment
$3,374
LVR ≤80%
Fixed Rate Home Loan
Owner-occupier3y FixedInterest onlyExtra repayments$2,000 cashback
Interest
7.59%p.a.
Comparison*
7.63%p.a.
Monthly repayment
$3,527
LVR ≤90%
Clear Path Variable Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments$2,000 cashback
Interest
7.64%p.a.
Comparison*
7.68%p.a.
Monthly repayment
$3,544
LVR ≤80%
Economy Variable Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments$2,000 cashback
Interest
7.64%p.a.
Comparison*
7.68%p.a.
Monthly repayment
$3,544
LVR —
Fixed Rate Home Loan
Owner-occupier4y FixedInterest onlyExtra repayments$2,000 cashback
Interest
7.69%p.a.
Comparison*
7.73%p.a.
Monthly repayment
$3,561
LVR ≤90%
Fixed Rate Home Loan
Owner-occupier5y FixedInterest onlyExtra repayments$2,000 cashback
Interest
7.84%p.a.
Comparison*
7.88%p.a.
Monthly repayment
$3,613
LVR ≤90%
Fixed Rate Home Loan
Investor1y FixedInterest onlyExtra repayments$2,000 cashback
Interest
7.80%p.a.
Verify, 83d old
Comparison*
8.86%p.a.
Monthly repayment
$3,599
LVR ≤80%
Negotiate Bank of Queensland Limited rates with a broker
Advertised rates aren't always the rate Bank of Queensland Limited actually approves. Our broker negotiates against your specific scenario, no fee.
Who is Bank of Queensland Limited?
Bank of Queensland (BOQ) is one of Australia's oldest regional banks, founded in Brisbane in 1874. For decades it was known for its franchise model of owner-managed branches; in 2024 it announced it would buy back all owner-managed branches and convert them to corporate branches by March 2025.
The BOQ Group also owns ME Bank, acquired in 2021, and Virgin Money Australia, giving it three consumer lending brands with separate pricing on a shared banking licence.
Who suits a Bank of Queensland Limited home loan?
BOQ tends to suit borrowers who want a regional-bank alternative to the big four with a real branch network, particularly in Queensland. Because the group prices BOQ, ME Bank and Virgin Money separately, compare all three group brands and the wider market in the table above before choosing.
Background facts checked 21 July 2026. Rates above refresh independently.
Bank of Queensland Limited home loans: frequently asked questions
What is the lowest Bank of Queensland Limited home loan rate?
Bank of Queensland Limited's lowest variable home loan rate is currently 6.03% p.a., and its lowest fixed rate is 6.35% p.a., based on the 25 Bank of Queensland Limited products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Bank of Queensland Limited approves, a broker can often negotiate a sharper deal on your scenario.
How does Bank of Queensland Limited's home loan rate compare to the market?
Bank of Queensland Limited's lowest variable home loan rate today is 6.03% p.a., which is 6 basis points below the market median of 6.09% p.a., which puts Bank of Queensland Limited among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Bank of Queensland Limited sits right now rather than a fixed snapshot.
How many home loan products does Bank of Queensland Limited offer?
Ratesniffers currently tracks 26 Bank of Queensland Limited home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 25 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Bank of Queensland Limited competitive for refinancing?
It depends on your loan size and LVR. Bank of Queensland Limited's lowest comparison rate is currently 6.07% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Bank of Queensland Limited against the sharpest available rate usually pays off.
How often are Bank of Queensland Limited's home loan rates updated?
Ratesniffers refreshes Bank of Queensland Limited's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Bank of Queensland Limited reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
Bank of Queensland Limited rates by borrower and loan type
The same Bank of Queensland Limited panel, filtered to the scenario you're actually shopping for.
- Bank of Queensland Limited owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- Bank of Queensland Limited investor ratesInvestment lending, interest-only where offered.
- Bank of Queensland Limited refinance ratesRefinance-eligible products versus your current rate.
- Bank of Queensland Limited first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- Bank of Queensland Limited fixed rates1 to 5-year terms where available.
- Bank of Queensland Limited variable ratesFlexible repayments, offset-compatible products.
- Bank of Queensland Limited interest-only ratesIO terms, mostly investor products.
- Bank of Queensland Limited offset loans100% offset-account-eligible products.
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Mortgage guides and market context
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