Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. All products will list the LVR with the product and rate which are clearly published on the Product Provider’s web site. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of .

Bank of Queensland (BOQ) is one of Australia’s largest regional banks. Since launching in 1874, BOQ has more than 160 branches across Australia. 

BOQ's branches are run by owner-managers; meaning, they're running a small business and can deliver personal service. The bank prides itself on building long-term customer relationships based on 'mutual respect and understanding'.

As one of the largest regional banks in the country, BOQ boasts about not being owned by any of the larger banks. 

To apply for a home loan with BOQ, you will need to be able to provide the following information:

  • Be at least 18 years of age
  • 100 points of identification (driver's licence, birth certificate, passport, etc)
  • Evidence of your financial details (tax returns, pay slips, and other financial details)
  • Agree to a credit check.
  • A list of your income against your expense
  • A list of assets and debts - assets include things like existing properties and investments as well as savings; debts could be any open lines of credit or other loans, etc.
  • Details about the property you're planning to buy (price of the property and how much you are looking to borrow, etc)
  • If you have already purchased a property, you will need to provide a copy of the signed Contract of Sale and the details of your solicitor and conveyancer

BOQ's non-mortgage services are broken into a few different companies:

  • Virgin Money Australia
  • BOQ Finance
  • BOQ Specialist
  • St Andrew’s Insurance