Late pre-RBA home loan rate changes from ANZ, BOQ
Bank of Queensland has further cut fixed rates ahead of the August RBA decision to hit mar...
08 Aug, 2025
| Lender | Home Loan | Interest Rate | Comparison Rate* | Monthly Repayment | Repayment type | Rate Type | Offset | Redraw | Ongoing Fees | Upfront Fees | Max LVR | Lump Sum Repayment | Extra Repayments | Split Loan Option | Tags | Features | Link | Compare | Promoted Product | Disclosure |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
5.29% p.a. | 5.34% p.a. | $2,773 | Principal & Interest | Fixed | $0 | $350 | 60% | |||||||||||||
5.29% p.a. | 5.34% p.a. | $2,773 | Principal & Interest | Fixed | $0 | $350 | 70% | |||||||||||||
5.29% p.a. | 5.38% p.a. | $2,773 | Principal & Interest | Fixed | $0 | $350 | 80% | |||||||||||||
5.29% p.a. | 5.67% p.a. | $2,773 | Principal & Interest | Fixed | $0 | $350 | 60% | |||||||||||||
5.29% p.a. | 5.67% p.a. | $2,773 | Principal & Interest | Fixed | $0 | $350 | 70% | |||||||||||||
5.29% p.a. | 5.67% p.a. | $2,773 | Principal & Interest | Fixed | $0 | $350 | 80% | |||||||||||||
5.33% p.a. | 5.35% p.a. | $2,786 | Principal & Interest | Variable | $0 | $350 | 60% | |||||||||||||
5.33% p.a. | 5.35% p.a. | $2,786 | Principal & Interest | Variable | $0 | $350 | 70% |
Important Information and Comparison Rate Warning
What you need to know about Bank of Queensland (BOQ) home loans
Bank of Queensland is an ASX-listed bank that's been in business since 1874. It combines a national branch and mobile-banker network with a digital platform and operates the Virgin Money and ME Bank brands under its group umbrella.
While its often-locally owned branch network was once a selling point for the bank, it has recently acquired all franchises from franchisees.
You might find BOQ a good fit if you:
- Value face-to-face banking
BOQ maintains a nationwide network of branches and mobile bankers for customers who prefer in-person service. - Don't mind paying fees
Unlike many mortgage lenders, BOQ charges monthly fees on even its most bare-bones home loan product. While only $10 per month, this could be worthy of consideration. - Want flexible home loan options
The bank offers two variable rate home loan products - one with an offset account and another without - as well as a fixed rate option. - Are after competitive rates
BOQ tends to offer relatively competitive, though rarely market-leading, home loan rates across both its variable and fixed rate offerings. - Are a first-home buyer seeking family support
The bank's Family Guarantee facility allows eligible relatives to use equity in their own property as security, helping first-home buyers borrow up to the full purchase price and avoid lenders mortgage insurance (LMI). - Don't mind dealing with digital fragmentation
If you're the type to keep all your banking within one institution, it's worth noting BOQ's current fragmentation. At the time of writing, some products are only available via the myBOQ app while its older BOQ Mobile app is still in use. That means some customers may need two separate digital banking channels. - Care about sustainability commitments
In 2024 BOQ joined the UN Principles for Responsible Banking and the Net-Zero Banking Alliance, formalising a goal of achieving net-zero emissions by 2050. - Like banks that give back to the community
Through long-term partnerships with charities such as Orange Sky Australia and Clontarf, BOQ aims to support communities. - Want a cashback refinancing deal
BOQ is among numerous Australian lenders that have been known to offer cashback deals for mortgage refinancers. Though, these deals tend to come and go.
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