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  Economy Variable Home Loan

 General Lending Rates

• Lending Rate Type: Variable
• Interest Rate: 7.32%, Comparison Rate 7.34%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.24%, Comparison Rate 6.26%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.14%, Comparison Rate 6.03%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 5.99%, Comparison Rate 6.01%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 5.88%, Comparison Rate 5.90%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 5.93%, Comparison Rate 5.95%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 5.83%, Comparison Rate 5.85%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 8.02%, Comparison Rate 7.84%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 7.67%, Comparison Rate 7.69%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 7.80%, Comparison Rate 7.55%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.14%, Comparison Rate 6.07%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 5.99%, Comparison Rate 6.01%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

 Product Features

• Extra Repayments Additional Information: Additional repayments - make unlimited additional repayments at any time

• Cashback Offer Additional Information: $2,000 cashback offer only available for owner occupier and investor home loan applications received through a BOQ Branch from 07 July 2025 and settles within 120 days of the loan application date. Applicants must be Australian residents aged 18 years and over who are personal customers taking out a new home loan with BOQ for purchase of an owner occupied or investment residential property. Offer available on BOQ’s Clear Path, Economy, or Fixed Rate home loan products only for owner occupier and investor loans and not available for owner occupier interest only loans and construction loans. Minimum total new lending of $400,000 with a loan to value ratio (LVR) above 80% and subject to the requirement to pay Lenders Mortgage Insurance (LMI). Only one cash back will be paid per qualifying home loan application regardless of the number of borrowers.

• Other Additional Information: Loan Purpose - Owner Occupied and Investment housing

• Redraw Additional Information: Unlimited free redraw- minimum $100.00 redraw.

• Other Additional Information: Security - Residential property

• Other Additional Information: Maximum LVR - 80% for both Owner Occupied and Investment purposes

• Digital Banking

• Other Additional Information: Maximum loan term - 30 years

• Other Additional Information: Loan Switching- switching fee applies

• Other Additional Information: Minimum loan term - 1 year

• Other Additional Information: Repayment frequency -Weekly, fortnightly, monthly

• Other Additional Information: Repayment Options -Principal and Interest, Interest only (maximum 5 years; subject to approval)

• Other Additional Information: Statement frequency - 6 Monthly

• Other Additional Information: Split loans- fixed loan application fee applies

 Product Eligibility

• Min Age - 18. Additional Information: Be 18 years of age or older

• Other Additional Information: Have never been bankrupt

• Other Additional Information: Earn a regular income

• Natural Person Additional Information: New and existing customers for new lending only. Not available for the refinance or restructure of existing BOQ lending

• Residency Status - Resident Or Citizen. Additional Information: Be an Australian citizen or permanent resident

 Bank Fees and Charges

• Settlement Fee (Upfront), Amount: 150.0000.

• Application Fee (Upfront), Amount: 300.0000.

• Construction Loan Fee (Upfront), Amount: 250.0000.

• Security Release Fee (Exit), Amount: 350.0000. Additional Information: Payable when we agree (at your request) to discharge a security.

• Production Fee (Event), Amount: 150.0000. Additional Information: Payable if a certificate of title or any security is required to be produced to another financial institution.

• Consent Fee (Variable), Amount: 300.0000. Additional Information: Payable whenever we give consent (following a request from you) to a change in security.

• Monthly Fee (Periodic), Amount: 10.0000. Additional Information: Discounts may apply in some cases. Refer to your Loan schedule for details.

• Substitution Of Security (Variable), Amount: 300.0000. Additional Information: Payable if we agree to substitution of a security for another security.

 Limitations & Restrictions (Constraints)

• Min Lvr of 0.0000000000 Additional Information: Minimum LVR

• Max Lvr of 0.9000000000 Additional Information: Maximum LVR

 Document Downloads

  personal-banking-guide-to-fees-and-charges.pdf (266.7 KB)