Compare home loans
Use this handy table to compare the features of our home loan products.
Account features | Standard Variable Rate Home Loan | Economy Home Loan | Fixed Rate Home Loan | Line of Credit Facility | Home Loan Privileges Package |
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Low Doc Option | Yes | No | Yes | Yes | No |
Interest charged | Monthly in arrears | Monthly in arrears | Monthly in arrears | Monthly in arrears | View the benefits of this home loan package. |
Interest rate | Variable | Variable | Fixed for 1-5 years^ | Variable |
Interest only option | Yes# | Yes# | Yes# | N/A |
Minimum loan amount | No minimum | No minimum | No minimum | 25,000 |
Maximum loan amount (owner-occupied) | 100% of property value* | 100% of property value* | 100% of property value* | 90% of property value* |
Maximum loan amount (investment) | 95% of property value* | 95% of property value* | 95% of property value* | 90% of property value* |
Minimum loan term | No minimum | No minimum | Fixed term | No fixed term - at call ongoing line of credit facility with a fixed credit limit |
Maximum interest only term | 5 years | 5 years | Fixed term |
Maximum loan term | 30 years | 30 years | 30 years |
Repayment type | Principal and interest Interest only# | Principal and interest Interest only# | Principal and interest Interest only# |
Repayment frequency | Weekly, fortnightly, monthly | Weekly, fortnightly, monthly | Weekly, fortnightly, monthly | Flexible |
Additional repayments | Yes - unlimited | Yes - unlimited | Yes – up to $5,000 annually | Yes - unlimited |
Redraw (application form PDF 398kb) | $100 | $100 | 
| Ongoing line of credit facility |
Mortgage Offset facility | 
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| 1 year fixed rate loan only |
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ATM Access |
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Internet Banking |
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EasyPhone Banking |
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| Apply | Apply | Apply | Apply | Apply |
*Requires mortgage insurance if the amount borrowed is more than 80% of the valuation of the security property.
#Interest only; maximum five years; subject to approval.
^At conclusion of fixed rate period, loan converts to relevant Standard Variable Housing Loan Rate.
Comparison rate calculated on a loan amount of $150,000 over a term of 25 years. These rates are for secured loans only.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
A Comparison rate schedule is available at any Bank of Queensland Branch.
Comparison rates calculated for a wider range of loan amounts and terms are available on the Bank of Queensland Home Loan Comparison Rate Schedule (PDF 16kb).
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Products issued by Bank of Queensland Limited ABN 32 009 656 740. Fees and charges are payable. Full terms and conditions are available at any Bank of Queensland branch. Normal credit assessment criteria apply. This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the terms and conditions, Financial Services Guide and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. You can obtain a copy of those documents from any Bank of Queensland branch.