[Skip to the content](#main) [RateGap](/)every home loan rate lenders publish, compared # Bank of Queensland Limited home loan rates Bank of Queensland Limited's lowest advertised variable rate for a home you live in and pay down is **6.28%**, if you owe up to 70% of the home’s value. It was read Monday 2 November, and is 0.43 percentage points above the going rate of 5.85% across every lender. Its lowest fixed rate is 6.79%, fixed for two years. Have a loan with Bank of Queensland Limited? Compare your rate Loan balance ($) on your statement or in your banking app Your rate (%) not the comparison rate, which adds fees Compare my rate Since the Reserve Bank’s increase on Tuesday 29 September, Bank of Queensland Limited has raised its lowest advertised variable rate from 6.03% to 6.28%. The change was first seen Saturday 3 October. [After the Reserve Bank’s increase](/market/after-the-rba) has every lender. 454 advertised rates across 5 products, published by Bank of Queensland Limited under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed. ## Where it sits 6.28% Bank of Queensland Limited, lowest variable rate if you owe up to 70% 5.85% The going rate 0.43 percentage points above the going rate The going rate is **the lowest rate at least three lenders reach**, so one lender's odd price cannot set it. Both are advertised new-customer rates. A negotiated discount is in neither. [Read your own rate against this](/?lender=227cc6c0-350d-ec11-a826-000d3a884a20). **Lowest variable rate, if you owe up to 70%**: 6.28% **Lowest fixed rate**: 6.79%, two years **Lowest comparison rate**: 6.30% **Rates published**: 454, across 5 products **Last rate move**: Wednesday 7 October **Last read**: Monday 2 November For a home you live in and pay down. The other loan types are in the tables below. Lenders set a different rate for each LVR band, shown as how much you owe. LVR is what you owe as a share of the home's value. ## Owner-occupied, principal and interest ### Variable - BOQ Essential Home Loan · owe up to 60% · **6.28%** (6.30% with fees)- BOQ Essential Home Loan · owe 60.01–70% · **6.28%** (6.30% with fees)- Economy Variable Home Loan · owe up to 70% · **6.28%** (6.42% with fees)- BOQ Essential Home Loan · owe 70.01–80% · **6.33%** (6.35% with fees)- Economy Variable Home Loan · owe 70.01–80% · **6.33%** (6.47% with fees)- Clear Path Variable Home Loan · owe up to 80% · **6.39%** (6.51% with fees)- BOQ Plus Home Loan · owe up to 60% · **6.39%** (6.68% with fees)- BOQ Plus Home Loan · owe 60.01–70% · **6.39%** (6.68% with fees)- BOQ Plus Home Loan · owe up to 60% · **6.39%** (6.68% with fees)- BOQ Plus Home Loan · owe 60.01–70% · **6.39%** (6.68% with fees)- BOQ Plus Home Loan · owe 70.01–80% · **6.39%** (6.68% with fees)- BOQ Plus Home Loan · owe up to 60% · **6.39%** (6.68% with fees)- BOQ Plus Home Loan · owe 60.01–70% · **6.39%** (6.68% with fees)- BOQ Plus Home Loan · owe 70.01–80% · **6.39%** (6.68% with fees)- BOQ Plus Home Loan · owe 70.01–80% · **6.39%** (6.68% with fees)- BOQ Essential Home Loan · owe 80.01–90% · **6.44%** (6.46% with fees)- Economy Variable Home Loan · owe 80.01–90% · **6.44%** (6.58% with fees)- Clear Path Variable Home Loan · owe 80.01–90% · **6.54%** (6.66% with fees)- BOQ Plus Home Loan · owe 80.01–90% · **6.54%** (6.82% with fees)- BOQ Plus Home Loan · owe 80.01–90% · **6.54%** (6.82% with fees)- Clear Path Variable Home Loan · owe 90.01–95% · **6.84%** (6.96% with fees)- BOQ Plus Home Loan · owe 90.01–95% · **6.84%** (7.12% with fees)- BOQ Plus Home Loan · owe 90.01–95% · **6.84%** (7.12% with fees)- BOQ Plus Home Loan · owe 90.01–95% · **6.84%** (7.12% with fees)- Economy Variable Home Loan · **7.82%** (7.96% with fees)- Clear Path Variable Home Loan · **8.49%** (8.60% with fees) ### Fixed - Fixed Rate Home Loan · two years · owe up to 80% · **6.79%** (6.59% with fees)- BOQ Essential Home Loan · two years · owe up to 60% · **6.79%** (6.40% with fees)- BOQ Essential Home Loan · two years · owe 60.01–70% · **6.79%** (6.40% with fees)- Fixed Rate Home Loan · three years · owe up to 80% · **6.84%** (6.64% with fees)- Fixed Rate Home Loan · four years · owe up to 80% · **6.99%** (6.73% with fees)- Fixed Rate Home Loan · five years · owe up to 80% · **6.99%** (6.78% with fees)- Fixed Rate Home Loan · two years · owe up to 95% · **7.14%** (8.32% with fees)- BOQ Essential Home Loan · two years · owe 95.01–100% · **7.14%** (7.69% with fees)- BOQ Plus Home Loan · two years · owe 95.01–100% · **7.14%** (8.47% with fees)- Fixed Rate Home Loan · three years · owe up to 95% · **7.19%** (8.21% with fees)- BOQ Essential Home Loan · three years · owe 95.01–100% · **7.19%** (7.65% with fees)- BOQ Plus Home Loan · three years · owe 95.01–100% · **7.19%** (8.36% with fees)- Fixed Rate Home Loan · four years · owe up to 95% · **7.34%** (8.16% with fees)- Fixed Rate Home Loan · five years · owe up to 95% · **7.34%** (8.07% with fees) Showing 40 of 116 rates for this profile, lowest rate first. Every band Bank of Queensland Limited prices in appears above. The 76 not shown are more rates inside those same bands — a different product, or a different fixed term. [All of them are in the data](/data/rates). ## Owner-occupied, interest only 104 rates ### Variable - Clear Path Variable Home Loan · owe up to 80% · **7.89%** (7.16% with fees)- Economy Variable Home Loan · **8.30%** (8.17% with fees)- Clear Path Variable Home Loan · **8.88%** (8.78% with fees) ### Fixed - BOQ Essential Home Loan · one year · owe up to 60% · **7.09%** (6.38% with fees)- BOQ Essential Home Loan · one year · owe 60.01–70% · **7.09%** (6.38% with fees)- BOQ Essential Home Loan · one year · owe 70.01–80% · **7.09%** (6.42% with fees)- Fixed Rate Home Loan · two years · owe up to 90% · **7.09%** (7.97% with fees)- BOQ Essential Home Loan · two years · owe 80.01–90% · **7.09%** (6.58% with fees)- BOQ Essential Home Loan · two years · owe 90.01–95% · **7.09%** (7.68% with fees)- BOQ Essential Home Loan · two years · owe 95.01–100% · **7.09%** (7.68% with fees)- BOQ Essential Home Loan · two years · owe up to 60% · **7.09%** (6.45% with fees)- BOQ Essential Home Loan · two years · owe 60.01–70% · **7.09%** (6.45% with fees)- BOQ Essential Home Loan · two years · owe 70.01–80% · **7.09%** (6.49% with fees)- BOQ Plus Home Loan · two years · owe 80.01–90% · **7.09%** (6.93% with fees)- BOQ Plus Home Loan · two years · owe 90.01–95% · **7.09%** (7.16% with fees)- BOQ Plus Home Loan · two years · owe 95.01–100% · **7.09%** (8.45% with fees)- BOQ Plus Home Loan · one year · owe up to 60% · **7.09%** (6.74% with fees)- BOQ Plus Home Loan · one year · owe 60.01–70% · **7.09%** (6.74% with fees)- BOQ Plus Home Loan · one year · owe 70.01–80% · **7.09%** (6.74% with fees)- BOQ Plus Home Loan · two years · owe up to 60% · **7.09%** (6.81% with fees)- BOQ Plus Home Loan · two years · owe 60.01–70% · **7.09%** (6.81% with fees)- BOQ Plus Home Loan · two years · owe 70.01–80% · **7.09%** (6.81% with fees)- BOQ Essential Home Loan · one year · owe 80.01–90% · **7.34%** (6.55% with fees)- BOQ Plus Home Loan · one year · owe 80.01–90% · **7.34%** (6.90% with fees)- BOQ Essential Home Loan · one year · owe 90.01–95% · **7.44%** (7.79% with fees)- BOQ Essential Home Loan · one year · owe 95.01–100% · **7.44%** (7.79% with fees)- BOQ Plus Home Loan · one year · owe 90.01–95% · **7.44%** (7.18% with fees)- BOQ Plus Home Loan · one year · owe 95.01–100% · **7.44%** (8.64% with fees)- Fixed Rate Home Loan · three years · owe up to 90% · **7.59%** (8.19% with fees)- BOQ Essential Home Loan · three years · owe up to 60% · **7.59%** (6.67% with fees)- BOQ Essential Home Loan · three years · owe 60.01–70% · **7.59%** (6.67% with fees)- BOQ Essential Home Loan · three years · owe 70.01–80% · **7.59%** (6.70% with fees)- BOQ Essential Home Loan · three years · owe 80.01–90% · **7.59%** (6.78% with fees)- BOQ Essential Home Loan · three years · owe 90.01–95% · **7.59%** (7.77% with fees)- BOQ Essential Home Loan · three years · owe 95.01–100% · **7.59%** (7.77% with fees)- BOQ Plus Home Loan · three years · owe up to 60% · **7.59%** (7.01% with fees)- BOQ Plus Home Loan · three years · owe 60.01–70% · **7.59%** (7.01% with fees)- BOQ Plus Home Loan · three years · owe 70.01–80% · **7.59%** (7.01% with fees)- Fixed Rate Home Loan · four years · owe up to 90% · **7.69%** (8.24% with fees)- Fixed Rate Home Loan · five years · owe up to 90% · **7.84%** (8.30% with fees) Showing 40 of 104 rates for this profile, lowest rate first. Every band Bank of Queensland Limited prices in appears above. The 64 not shown are more rates inside those same bands — a different product, or a different fixed term. [All of them are in the data](/data/rates). ## Investment, principal and interest 116 rates ### Variable - BOQ Essential Home Loan · owe up to 60% · **6.38%** (6.40% with fees)- BOQ Essential Home Loan · owe 60.01–70% · **6.38%** (6.40% with fees)- Economy Variable Home Loan · owe up to 70% · **6.38%** (6.52% with fees)- BOQ Essential Home Loan · owe 70.01–80% · **6.44%** (6.46% with fees)- Economy Variable Home Loan · owe 70.01–80% · **6.44%** (6.58% with fees)- Clear Path Variable Home Loan · owe up to 80% · **6.54%** (6.66% with fees)- BOQ Plus Home Loan · owe up to 60% · **6.54%** (6.82% with fees)- BOQ Plus Home Loan · owe 60.01–70% · **6.54%** (6.82% with fees)- BOQ Plus Home Loan · owe up to 60% · **6.54%** (6.82% with fees)- BOQ Plus Home Loan · owe 60.01–70% · **6.54%** (6.82% with fees)- BOQ Plus Home Loan · owe 70.01–80% · **6.54%** (6.82% with fees)- BOQ Plus Home Loan · owe up to 60% · **6.54%** (6.82% with fees)- BOQ Plus Home Loan · owe 60.01–70% · **6.54%** (6.82% with fees)- BOQ Plus Home Loan · owe 70.01–80% · **6.54%** (6.82% with fees)- BOQ Plus Home Loan · owe 70.01–80% · **6.54%** (6.82% with fees)- BOQ Essential Home Loan · owe 80.01–90% · **6.69%** (6.71% with fees)- Economy Variable Home Loan · owe 80.01–90% · **6.69%** (6.83% with fees)- Clear Path Variable Home Loan · owe 80.01–90% · **6.79%** (6.91% with fees)- BOQ Plus Home Loan · owe 80.01–90% · **6.79%** (7.07% with fees)- BOQ Plus Home Loan · owe 80.01–90% · **6.79%** (7.07% with fees)- Clear Path Variable Home Loan · owe 90.01–95% · **7.24%** (7.36% with fees)- BOQ Plus Home Loan · owe 90.01–95% · **7.24%** (7.52% with fees)- BOQ Plus Home Loan · owe 90.01–95% · **7.24%** (7.52% with fees)- BOQ Plus Home Loan · owe 90.01–95% · **7.24%** (7.52% with fees)- Economy Variable Home Loan · **8.17%** (8.31% with fees)- Clear Path Variable Home Loan · **9.12%** (9.23% with fees) ### Fixed - Fixed Rate Home Loan · two years · owe up to 80% · **6.94%** (6.74% with fees)- BOQ Essential Home Loan · two years · owe up to 60% · **6.94%** (6.51% with fees)- BOQ Essential Home Loan · two years · owe 60.01–70% · **6.94%** (6.51% with fees)- Fixed Rate Home Loan · three years · owe up to 80% · **6.99%** (6.79% with fees)- Fixed Rate Home Loan · four years · owe up to 80% · **7.14%** (6.89% with fees)- Fixed Rate Home Loan · five years · owe up to 80% · **7.14%** (6.93% with fees)- Fixed Rate Home Loan · two years · owe up to 90% · **7.29%** (8.83% with fees)- BOQ Essential Home Loan · two years · owe 95.01–100% · **7.29%** (8.00% with fees)- BOQ Plus Home Loan · two years · owe 95.01–100% · **7.29%** (8.98% with fees)- Fixed Rate Home Loan · three years · owe up to 90% · **7.34%** (8.68% with fees)- BOQ Essential Home Loan · three years · owe 95.01–100% · **7.34%** (7.93% with fees)- BOQ Plus Home Loan · three years · owe 95.01–100% · **7.34%** (8.83% with fees)- Fixed Rate Home Loan · four years · owe up to 90% · **7.49%** (8.59% with fees)- Fixed Rate Home Loan · five years · owe up to 90% · **7.49%** (8.47% with fees) Showing 40 of 116 rates for this profile, lowest rate first. Every band Bank of Queensland Limited prices in appears above. The 76 not shown are more rates inside those same bands — a different product, or a different fixed term. [All of them are in the data](/data/rates). ## Investment, interest only 117 rates ### Variable - BOQ Essential Home Loan · owe 70.01–80% · **6.39–6.64%** (6.29–6.54% with fees)- BOQ Essential Home Loan · owe 70.01–80% · **6.39%** (6.29% with fees)- BOQ Essential Home Loan · owe up to 60% · **6.64%** (6.51% with fees)- BOQ Essential Home Loan · owe 60.01–70% · **6.64%** (6.51% with fees)- Economy Variable Home Loan · owe up to 70% · **6.64%** (6.63% with fees)- Clear Path Variable Home Loan · owe up to 80% · **6.64%** (6.70% with fees)- BOQ Plus Home Loan · owe up to 60% · **6.64%** (6.85% with fees)- BOQ Plus Home Loan · owe 60.01–70% · **6.64%** (6.85% with fees)- BOQ Plus Home Loan · owe up to 60% · **6.64%** (6.85% with fees)- BOQ Plus Home Loan · owe 60.01–70% · **6.64%** (6.85% with fees)- BOQ Plus Home Loan · owe 70.01–80% · **6.64%** (6.85% with fees)- BOQ Plus Home Loan · owe up to 60% · **6.64%** (6.85% with fees)- BOQ Plus Home Loan · owe 60.01–70% · **6.64%** (6.85% with fees)- BOQ Plus Home Loan · owe 70.01–80% · **6.64%** (6.85% with fees)- BOQ Plus Home Loan · owe 70.01–80% · **6.64%** (6.85% with fees)- BOQ Essential Home Loan · owe 80.01–90% · **6.84%** (6.77% with fees)- Economy Variable Home Loan · owe 80.01–90% · **6.84%** (6.89% with fees)- Clear Path Variable Home Loan · owe 80.01–90% · **7.04%** (7.01% with fees)- BOQ Plus Home Loan · owe 80.01–90% · **7.04%** (7.16% with fees)- BOQ Plus Home Loan · owe 80.01–90% · **7.04%** (7.16% with fees)- Economy Variable Home Loan · **8.52%** (8.46% with fees)- Clear Path Variable Home Loan · **9.37%** (9.35% with fees) ### Fixed - Fixed Rate Home Loan · two years · owe up to 80% · **6.94%** (6.74% with fees)- BOQ Essential Home Loan · two years · owe up to 60% · **6.94%** (6.51% with fees)- BOQ Essential Home Loan · two years · owe 60.01–70% · **6.94%** (6.51% with fees)- Fixed Rate Home Loan · three years · owe up to 80% · **6.99%** (6.78% with fees)- Fixed Rate Home Loan · four years · owe up to 80% · **7.19%** (6.89% with fees)- Fixed Rate Home Loan · five years · owe up to 80% · **7.19%** (6.94% with fees)- Fixed Rate Home Loan · two years · owe up to 90% · **7.29%** (8.40% with fees)- BOQ Essential Home Loan · two years · owe 90.01–95% · **7.29%** (8.00% with fees)- BOQ Essential Home Loan · two years · owe 95.01–100% · **7.29%** (8.00% with fees)- BOQ Plus Home Loan · two years · owe 90.01–95% · **7.29%** (7.52% with fees)- BOQ Plus Home Loan · two years · owe 95.01–100% · **7.29%** (8.98% with fees)- Fixed Rate Home Loan · three years · owe up to 90% · **7.34%** (8.42% with fees)- BOQ Essential Home Loan · three years · owe 90.01–95% · **7.34%** (7.94% with fees)- BOQ Essential Home Loan · three years · owe 95.01–100% · **7.34%** (7.94% with fees)- BOQ Plus Home Loan · three years · owe 90.01–95% · **7.34%** (7.54% with fees)- BOQ Plus Home Loan · three years · owe 95.01–100% · **7.34%** (8.83% with fees)- Fixed Rate Home Loan · four years · owe up to 90% · **7.54%** (8.51% with fees)- Fixed Rate Home Loan · five years · owe up to 90% · **7.54%** (8.51% with fees) Showing 40 of 117 rates for this profile, lowest rate first. Every band Bank of Queensland Limited prices in appears above. The 77 not shown are more rates inside those same bands — a different product, or a different fixed term. [All of them are in the data](/data/rates). Where a rate is shown as a range, Bank of Queensland Limited published more than one under conditions it stated identically — same product, same term, same band, same loan size. Nothing published says which of them applies, so this does not guess. ## What changed Bank of Queensland Limited last moved a rate on **Wednesday 7 October**. Every rate is read each morning and has come back the same since. [Every lender that publishes rates](/lenders), and [every rate move since capture began](/data/history). ## Beside it Of 93 lenders with a variable rate anyone could take for a home you live in and pay down, 42 publish a lower one than Bank of Queensland Limited's 6.28%. The nearest either side: - [Westpac](/lender/westpac) 6.24% - [Qantas Money Atlas Home Loans](/lender/qantas-money-atlas-home-loans) 6.27% - Bank of Queensland Limited 6.28% - [Qantas Money Basic/Offset Home Loans](/lender/qantas-money-basic-offset-home-loans) 6.28% - [Auswide Bank Ltd](/lender/auswide-bank-ltd) 6.29% Bank of Queensland Limited is a Bank of Queensland Group brand. The group's other brands with a page here: [ME Bank - ME Go](/lender/me-bank-me-go), [Virgin Money](/lender/virgin-money), [BOQ Specialist](/lender/boq-specialist). Each publishes its own rates. **Does this look wrong? or could it be better** Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what Bank of Queensland Limited told you, it is usually one of these. ### The published data is wrong Bank of Queensland Limited publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list. Everything identifying the feed is filled in below. The one part left is what you saw. ``` Consumer Data Right — Product Reference Data quality Data holder brand: Bank of Queensland Limited ABN: 32009656740 Product Reference Data endpoint: https://api.cds.boq.com.au Data read from that endpoint on: Sunday 1 November Rate lines published at that time: 454 What appears to be wrong: [describe what you checked, and what the published data says] This data is published under the Product Reference Data standard and is available publicly, without authentication or a consumer consent. ``` Copy the report [Open the report form in a new tab ↗](https://forms.oaic.gov.au/forms/report) The form is run by the Consumer Data Right, not by this site. Nothing you type here is sent anywhere — the text above is yours to copy. ### This page reads it wrongly The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. [Tell me and I will fix it](/#fb), and say which lender so I can find the row. ### Something is missing A figure this page should show and does not, or a lender that should be here and is not. [Tell me through the feedback box](/#fb). The data behind every page here is [free to download](/data) if you would rather check it yourself first. The other questions - [Are you paying more than you need to?](/) your rate against every lender publishing one- [How fast should you pay it off?](/paying-it-off) term, extra repayments, interest only- [Don't have a loan yet?](/buying) what to look at before you pick one- [What does each lender advertise?](/lenders) every lender that publishes rates, a page each- [What moved this week?](/market/changes-this-week) which lenders changed an advertised rate- [Where do these numbers come from?](/data) every published rate, and how fresh it is **Free, and not advice.** It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. [Who made this](/about). [What this site collects](/privacy). **More from the data** Building something with this? There is [an API](/api), and [the data is free](/data). This morning: [the market](/market), [variable rates](/market/variable-rates), [fixed rates](/market/fixed-rates) and [what moved this week](/market/changes-this-week). Found in the data: [what lenders charge above 80%](/research/lvr-bands), [the rate a fixed loan rolls onto](/research/revert-rates) and [what a comparison rate adds](/research/comparison-rates). Also [what an offset costs](/research/offset-accounts), and [what investors pay on top](/research/investor-premium).