Bank of Queensland Limited Home Loan Rates
Bank of Queensland lifted its existing-customer variable home-loan rates by 0.25 percentage points from 2 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
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 are Bank of Queensland Limited home loan rates?
Ratesniffers compares Bank of Queensland Limited home loan products by comparison rate. Compare Bank of Queensland Limited's product rates and conditions in the table. A verified example for this loan scenario is unavailable. Compare Bank of Queensland Limited against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
How many home loan products does Bank of Queensland Limited offer?
Ratesniffers currently tracks 93 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.
93 Bank of Queensland Limited home loan products
No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.
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.
BOQ Group prices its consumer brands separately on the same banking licence. Compare its sister brand ME Bank too, since the same borrower can get a different offer under each.
Background facts checked 4 September 2026. Rates above refresh independently.
Bank of Queensland Limited fees, offset and limits at a glance
- Application or establishment fee
- Economy Home Loan $300. All other products, no application fee.
- Discharge fee
- $320
- Settlement fee
- $150
- Additional valuation fee
- $250
- Rate lock fee
- 0.15% of approved loan amount
- Loan portability
- $300
- Offset account
- 100% Mortgage Offset Account will need to be opened and linked to applicable home loan.…
- Minimum offset balance
- $1
- Lenders mortgage insurer
- Helia
- Capitalising LMI
- Yes
- Extra repayments on fixed
- $5000 per 12 mth period without penalty. Refer to General Conditions for information regarding how the break…
- When the fixed rate is locked
- Payment of rate lock fee at time of request or payment at settlement
Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.