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Bank of Queensland is one of Australia’s leading regional banks. Established in 1874 as the Brisbane Permanent Benefit Building and Investment Society, the institution became a trading bank in 1942 and adopted the Bank of Queensland name in 1970.

Bank of Queensland offers a wide range of mortgages for first time home buyers, investors, upgraders and those looking to refinance their home. Bank of Queensland home loans tend to charge rates below the market average.

BOQ home loans

Economy Home Loan (Principal and Interest)
Advertised rate
3.59%
Variable
Upfront fee
$800.00
Comparison rate*
3.75%
Ongoing fee
$10 monthly
Compare
Economy Investment Loan (Principal and Interest)
Advertised rate
4.24%
Variable
Upfront fee
$800.00
Comparison rate*
4.39%
Ongoing fee
$10 monthly
Compare
Standard Fixed Rate Home Loan (New Customer) 3 Years
Advertised rate
3.87%
Fixed - 3 years
Upfront fee
$800.00
Comparison rate*
4.53%
Ongoing fee
$10 monthly
Compare
Standard Fixed Rate Home Loan (New Customer) 2 Years
Advertised rate
3.85%
Fixed - 2 years
Upfront fee
$800.00
Comparison rate*
4.58%
Ongoing fee
$10 monthly
Compare
Standard Fixed Rate Home Loan (New Customer) 1 Year
Advertised rate
3.54%
Fixed - 1 year
Upfront fee
$800.00
Comparison rate*
4.62%
Ongoing fee
$10 monthly
Compare
Standard Fixed Rate Investment Loan (New Customer) 3 Years
Advertised rate
4.14%
Fixed - 3 years
Upfront fee
$800.00
Comparison rate*
5.06%
Ongoing fee
$10 monthly
Compare
Standard Fixed Rate Investment Loan (New Customer) 2 Years
Advertised rate
4.04%
Fixed - 2 years
Upfront fee
$800.00
Comparison rate*
5.12%
Ongoing fee
$10 monthly
Compare
Privileges Package Fixed Rate Home Loan (New Customer) 3 Years
Advertised rate
3.87%
Fixed - 3 years
Upfront fee
$150.00
Comparison rate*
5.24%
Ongoing fee
$395 annually
Compare
Privileges Package Fixed Rate Home Loan (Principal and Interest) 5 Years
Advertised rate
4.49%
Fixed - 5 years
Upfront fee
$150.00
Comparison rate*
5.30%
Ongoing fee
$395 annually
Compare
Privileges Package Fixed Rate Home Loan (Principal and Interest) 4 Years
Advertised rate
4.39%
Fixed - 4 years
Upfront fee
$150.00
Comparison rate*
5.31%
Ongoing fee
$395 annually
Compare
Privileges Package Fixed Rate Home Loan (New Customer) 2 Years
Advertised rate
3.85%
Fixed - 2 years
Upfront fee
$150.00
Comparison rate*
5.34%
Ongoing fee
$395 annually
Compare
Standard Fixed Rate Home Loan (Principal and Interest) 5 Years
Advertised rate
4.49%
Fixed - 5 years
Upfront fee
$800.00
Comparison rate*
5.34%
Ongoing fee
$10 monthly
Compare
Privileges Package Fixed Rate Home Loan (Principal and Interest) 3 Years
Advertised rate
4.39%
Fixed - 3 years
Upfront fee
$150.00
Comparison rate*
5.38%
Ongoing fee
$395 annually
Compare
Standard Fixed Rate Home Loan (Principal and Interest) 4 Years
Advertised rate
4.39%
Fixed - 4 years
Upfront fee
$800.00
Comparison rate*
5.39%
Ongoing fee
$10 monthly
Compare
Privileges Package Fixed Rate Home Loan (Principal and Interest) 2 Years
Advertised rate
4.19%
Fixed - 2 years
Upfront fee
$150.00
Comparison rate*
5.41%
Ongoing fee
$395 annually
Compare
Privileges Package Fixed Rate Home Loan (New Customer) 1 Year
Advertised rate
3.54%
Fixed - 1 year
Upfront fee
$150.00
Comparison rate*
5.43%
Ongoing fee
$395 annually
Compare
Privileges Package Fixed Rate Home Loan (Principal and Interest) 1 Year
Advertised rate
4.09%
Fixed - 1 year
Upfront fee
$150.00
Comparison rate*
5.49%
Ongoing fee
$395 annually
Compare
Standard Fixed Rate Home Loan (Principal and Interest) 3 Years
Advertised rate
4.39%
Fixed - 3 years
Upfront fee
$800.00
Comparison rate*
5.49%
Ongoing fee
$10 monthly
Compare
Standard Fixed Rate Home Loan (Principal and Interest) 2 Years
Advertised rate
4.19%
Fixed - 2 years
Upfront fee
$800.00
Comparison rate*
5.56%
Ongoing fee
$10 monthly
Compare
Standard Fixed Rate Home Loan (Principal and Interest) 1 Year
Advertised rate
4.09%
Fixed - 1 year
Upfront fee
$800.00
Comparison rate*
5.69%
Ongoing fee
$10 monthly
Compare
Privileges Package Fixed Rate Investment Loan (New Customer) 3 Years
Advertised rate
4.14%
Fixed - 3 years
Upfront fee
$150.00
Comparison rate*
5.75%
Ongoing fee
$395 annually
Compare
Privileges Package Fixed Rate Investment Loan (Principal and Interest) 3 Years
Advertised rate
4.39%
Fixed - 3 years
Upfront fee
$150.00
Comparison rate*
5.82%
Ongoing fee
$395 annually
Compare
Standard Fixed Rate Investment Loan (Principal and Interest) 3 Years
Advertised rate
4.39%
Fixed - 3 years
Upfront fee
$800.00
Comparison rate*
5.93%
Ongoing fee
$10 monthly
Compare
Privileges Package Fixed Rate Investment Loan (Principal and Interest) 2 Years
Advertised rate
4.39%
Fixed - 2 years
Upfront fee
$150.00
Comparison rate*
5.94%
Ongoing fee
$395 annually
Compare
Privileges Package Fixed Rate Investment Loan (Principal and Interest) 1 Year
Advertised rate
4.29%
Fixed - 1 year
Upfront fee
$150.00
Comparison rate*
6.06%
Ongoing fee
$395 annually
Compare
Standard Fixed Rate Investment Loan (Principal and Interest) 2 Years
Advertised rate
4.39%
Fixed - 2 years
Upfront fee
$800.00
Comparison rate*
6.10%
Ongoing fee
$10 monthly
Compare
Standard Fixed Rate Investment Loan (Principal and Interest) 1 Year
Advertised rate
4.29%
Fixed - 1 year
Upfront fee
$800.00
Comparison rate*
6.27%
Ongoing fee
$10 monthly
Compare
Pros:
  • Competitive interest rates.
  • Wide range of flexible home loan products.
  • Sizeable branch network.
  • 24/7 call centre.
Cons:
  • Many loan accounts have ongoing monthly fees.
BOQ customer service:

Bank of Queensland operates a 24/7 call centre for customer enquires, as well as a phone banking service. There is no Live Chat service but you can access the BOQ property app when you are considering your property purchase. Home loan applications and regular banking can be done online.

  • Customer service centre operates 24/7
  • Mobile app
  • Online banking
  • Email
  • Branch
  • Mobile banking staff
  • BOQ property app

How to Apply

Customers can apply for a Bank of Queensland loan online. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

  • Personal identification material.
  • Proof of income and other earnings.
  • Proof and type of employment.
  • Details of current loans, debts and liabilities.
  • Personal insurance documents.
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