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?
Bank of Queensland Limited home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 5.93% p.a. and the lowest fixed rate currently 6.35% p.a., checked daily (last verified 11 Sept 2026). 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.
What is the lowest Bank of Queensland Limited home loan rate?
The lowest Bank of Queensland Limited variable home loan rate Ratesniffers tracks is 5.93% p.a., and the lowest fixed rate is 6.35% p.a. These figures come from the 26 Bank of Queensland Limited products on this page, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
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. 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.
Looking for another Queensland-based lender? Member-owned RACQ Bank also prices its home loans as a local challenger to the majors.
26 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 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Bank of Queensland Limited home loans: frequently asked questions
What are Bank of Queensland Limited home loan rates?
Bank of Queensland Limited home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 5.93% p.a., and the lowest fixed rate is 6.35% p.a., checked daily (last verified 11 Sept 2026). Compare Bank of Queensland Limited against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Bank of Queensland Limited balance, use /calculators/extra-repayment.
What is the lowest Bank of Queensland Limited home loan rate?
Bank of Queensland Limited's lowest variable home loan rate is currently 5.93% p.a., and its lowest fixed rate is 6.35% p.a., based on the 26 Bank of Queensland Limited products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 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.
What is the monthly repayment on a $600,000 Bank of Queensland Limited home loan?
At Bank of Queensland Limited's lowest variable rate of 5.93% p.a., a $600,000 principal and interest loan over 30 years repays about $3,570 a month, and $500,000 about $2,975. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Bank of Queensland Limited home loan?
There is no single salary. Like every Australian lender, Bank of Queensland Limited must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 5.93% p.a. is assessed at about 8.93% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
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 5.93% p.a., which is 31 basis points below the market median of 6.24% 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. Every rate is checked daily against each lender's current published pricing 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 11 Sept 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.
