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Standard Fixed Rate Home Loan (Principal and Interest) (New Customer) 1 Year

Cashback$1000 cashback for first home buyers. Apply by 30 June 2019 
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Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros and Cons

Pros:
  • Extra low interest rate for refinancers
  • Extra low interest rate for new customers
  • Repayments will not change during fixed period
Cons:
  • Limited extra repayments
  • No redraw and no offset
  • Discharge fee at end of loan
  • Repayments won't decrease if RBA cuts rates

Fees and Features

Maximum LVR
Maximum LVR
90%
Interest rate structure
Interest rate structure
Fixed - 1 year
Borrowing range
Borrowing range
$150k - $100m
Total repayments
Total repayments
$533,700
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Allowed with restrictions
Redraw facility
Redraw facility
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$800.00
Application fee
Application fee
$300
Settlement fee
Settlement fee
$150
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$350
Ongoing fee
Ongoing fee
$10 monthly
Discharge fee
Discharge fee
$320
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Maximum LVR
Maximum LVR
90%
Interest rate structure
Interest rate structure
Fixed - 1 year
Borrowing range
Borrowing range
$150k - $100m
Total repayments
Total repayments
$533,700
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Allowed with restrictions
Redraw facility
Redraw facility
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$800.00
Application fee
Application fee
$300
Settlement fee
Settlement fee
$150
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$350
Ongoing fee
Ongoing fee
$10 monthly
Discharge fee
Discharge fee
$320
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
  • Cashback $1000 cashback for first home buyers. Apply by 30 June 2019
    To be eligible for the $1,000 Cash Back Offer, you must be a personal customer purchasing a first home and have not previously owned a residential or an investment property in Australia, submit a home loan application between 18/03/19 and 30/06/19, have unconditional approval for a BOQ home loan over $150,000 with a Loan to Value ratio of 90% or less (with Lenders Mortgage Insurance) or Loan to Value ratio of 80% or less (without Lenders Mortgage Insurance) and settle the loan by 30/09/19. One Cash Back Offer per eligible loan. Split loans (e.g. part variable, part fixed) will be considered as one loan. The $1,000 Cash will be credited to your nominated BOQ transaction account within 30 days of settlement. BOQ reserves its rights to modify the content of the terms and conditions of the offer or withdraw the offer. This Offer is not available in conjunction with any other BOQ offers, is not transferable and cannot be redeemed for cash.

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.

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