Terms, conditions, fees and charges apply. Loan applications are subject to credit approval. This is general information only and you should consider if these products are right for you.
Interest rates are current as at {current-date} and subject to change.
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A Bonus Interest variable rate will only be paid each calendar month when you deposit a minimum of $1,000 to your linked Everyday Account from an External Account AND you make at least 5 direct debit transactions, ATM withdrawals, BPAY payments, or purchases of goods or services from a Merchant using your eftpos Card or BOQ Visa Debit Card linked to an Everyday Account in the previous calendar month. Transactions that are pending do not count as a transaction for the previous calendar month and will be counted in the following calendar month. If you don’t meet the bonus interest conditions, you will only receive the variable base interest rate.
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Special limited time $2,000 cashback offer only available for new refinance applications received between 01 July 2025 and 28 August 2026 through a BOQ branch and settle within 120 days of the loan application date. The Offer ends on 28 August 2026. Applicants must be Australian residents aged 18 years and over who are personal customers taking out a new home loan with BOQ, refinanced from another financial institution. Offer available on BOQ’s Clear Path, Economy, or Fixed Rate home loan products only for owner occupier and investor loans and not available on owner occupied interest only repayments. Minimum total new lending of $400,000. Maximum loan-to-value ratio (LVR) of up to 80%. Not available for the refinance, restructure, or switches of home loans from BOQ or other lenders within the BOQ Group, which includes BOQ Specialist, ME Bank and Virgin Money Australia. Only one cash back will be paid per qualifying home loan application regardless of the number of borrowers. In the case of multiple qualifying applications, only one cash back will be paid. Customers who have received a refinance cashback payment from within the BOQ Group within the 12 months prior to their loan application date will be ineligible for this offer. The cash back amount will be paid within 60 days of loan settlement into the BOQ Transaction Account held by the borrower first listed on the application.
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