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Bank of Queensland

Fixed Rate Home Loan

Interest Rate

6.44

% p.a

Fixed - 5 years

Comparison Rate*

5.66

% p.a

Maximum LVR
98%
Real Time Rating™

3.20

/ 5
Monthly Repayment

$2,014

based on $300,000 loan amount for 25 years at 6.44%

Interest Rate

6.44

% p.a

Fixed - 5 years

Comparison Rate*

5.66

% p.a

Maximum LVR
98%
Real Time Rating™

3.20

/ 5
Monthly Repayment

$2,014

based on $300,000 loan amount for 25 years at 6.44%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$2,014

based on $300,000 loan amount for 25 years at 6.44%

BOQ home loans are available through brokers who can help find the right loan and manage your application at no charge.

MD Mahbub ur Rahman Chowdhury

Get expert advice from a home loans specialist.

Hi, My name is MD Mahbub Ur Rahman Chowdhury. I am a professional mortgage broker. I have excellent analysis knowledge which can help my client to achieve their financial needs. I can help my client to choose a suitable home loan product. I can explore clients' needs and benefits and based on that I can find the best product for my clients. I can do Home loans, Personal loans, car loans, and construction loans. I have excellent communication and negotiation skills which can help me to negotiate between clients and the Lender. My main goal is to help my clients and make them happy I will provide the best service to my clients.

NSW2560

CRN: 529621

Lee HAO

5.0
326 Reviews

Get expert advice from a home loans specialist.

Lee is a graduate of Monash University with a Bachelor of Commerce and Arts. Lee is strongly passionate about the real estate market and banks since he was a student. Driven by this passion, together with experience in consulting companies and banks, Lee hopes to educate and guide her clients throughout their real estate ownership journey. Lee believes in placing the clients at the centre of every relationship and building trust through honesty and reliability. 'I want to empower my clients' every property dream and hope to service them until they retire with rent.' 'I will not try to sell you a deal that I will not sell it to my mom.' That's his principle. We are here to fight for the best possible deal for every customer. We have a great relationship with more than 30 lenders. Not that they happen to be on our panel but we actually settled with them and know their policies and procedure inside out. We do not recommend any lenders or products without a personalized and on time research for you. So our process ensure the deals we present are in your best interest hot and fresh. Our standard operation procedure is: 1) Free consultation by phone or zoom to understand your needs. Answer your burning questions. 2) Collect information, facts and document to conduct research for you. Give us a chance and allow us to make a positive impact on your personal finance; Research will usually take 2-3 business days. For more complicate cases may take longer on notice case by case. 3) Present solutions via zoom or in person. 30-60 mins. Also including a property purchase or investment strategy session. 4) Once you made the decision it takes 2-10 business days to proceed and obtain a pre-approval or refinance formal approval. Other days and procedure will be designed and notice according to your situation. 5) Free after settlement review every year too. Service Satisfaction guarantee!!** Call me and let's chat.

VIC3128

CRN: 484532

Lisa WANG

5.0
137 Reviews

Get expert advice from a home loans specialist.

Lisa graduated with a Master of Finance from the University of Melbourne. She started her Career in Finance industry in early 2015 and has helped a lot of Australians and overseas investors enter into the property market. Her impeccable customer service, extensive Finance knowledge, and rich experience have established her reputation in the industry. A member of FBAA Wenjia(Lisa) Wang is a credit representative 509150 of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit License 391237)

VIC3124

CRN: 484532

Quick home loan review

For Standard Fixed Rate Home Loan (Principal and Interest) 5 Years

These are the benefits of this home loan.

  • Suitable for low deposits
  • Split account option

These are the drawbacks of this home loan.

  • Limited extra repayments
  • No redraw and no offset
  • Higher than average interest rate
  • Loan reverts to higher rate after fixed period
  • Ongoing fee
  • Higher than average upfront fee
  • Discharge fee at end of loan
  • No repayment holidays

Home loan overview

For Standard Fixed Rate Home Loan (Principal and Interest) 5 Years

Details

Maximum LVR

98%

Total Repayments

Next LVR

Interest rate type

Fixed - 5 years

Borrowing range

Suitable for

Owner Occupiers

Loan term range

1 - 30 years

Principal & interest

Interest only

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Make repayments

Fortnightly, Monthly, Weekly

Features

Extra repayments

Yes - limited to $5000

Redraw facility

Split interest facility

Loan portable

Repayment holiday available

Allow guarantors

Available for first home buyers

Fees

Total estimated upfront fees

800

Application fee

300

Valuation fee

$0

Settlement fee

150

Other upfront fee

0

Ongoing fee

$10 monthly

Discharge fee

350

Application method

Online

Phone

In branch

Available
Not available
Data not captured
Specials
  • Cashback $2,500 cashback when you refinance your home loan to BOQ
    New loans to BOQ of $250,000 or more, refinanced from another bank. LVR of 80% or less. Available for owner-occupier and investor home loans. ffer available on BOQ’s Clear Path, Economy, Intro Rate, or Fixed Rate home loan products only.

Target Market Determination

Visit Bank of Queensland to view Target Market Determination.

Other Benefits

Offset only available for 1 Year Fixed Term Loans

Embed

BOQ is available through brokers

Lee HAO
5.0
326 Reviews
Lee is a graduate of Monash University with a Bachelor of Commerce and Arts. Lee is strongly passionate about the real estate market and banks since he was a student. Driven by this passion, together with experience in consulting companies and banks, Lee hopes to educate and guide her clients throughout their real estate ownership journey. Lee believes in placing the clients at the centre of every relationship and building trust through honesty and reliability. 'I want to empower my clients' every property dream and hope to service them until they retire with rent.' 'I will not try to sell you a deal that I will not sell it to my mom.' That's his principle. We are here to fight for the best possible deal for every customer. We have a great relationship with more than 30 lenders. Not that they happen to be on our panel but we actually settled with them and know their policies and procedure inside out. We do not recommend any lenders or products without a personalized and on time research for you. So our process ensure the deals we present are in your best interest hot and fresh. Our standard operation procedure is: 1) Free consultation by phone or zoom to understand your needs. Answer your burning questions. 2) Collect information, facts and document to conduct research for you. Give us a chance and allow us to make a positive impact on your personal finance; Research will usually take 2-3 business days. For more complicate cases may take longer on notice case by case. 3) Present solutions via zoom or in person. 30-60 mins. Also including a property purchase or investment strategy session. 4) Once you made the decision it takes 2-10 business days to proceed and obtain a pre-approval or refinance formal approval. Other days and procedure will be designed and notice according to your situation. 5) Free after settlement review every year too. Service Satisfaction guarantee!!** Call me and let's chat.
VIC3128
CRN: 484532

FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $25k to $99,999,999.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 98 percent, which means it requires a minimum deposit of 2 percent

What's the maximum length for this loan?

Bank of Queensland allows you to have this loan for a range of 1 to 30 years.

How often can you make repayments?

Bank of Queensland allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $800 worth of upfront fees.

Does this loan come with a redraw facility?

No, this loan doesn't come with a redraw facility.

Where can you apply for this loan?

Bank of Queensland makes it possible to apply for this product online. Apply here.

Can a broker help me with this loan?

Yes, this Bank of Queensland loan is available through a broker. Find a broker to help you with your needs.