Home loans

Basic home loan

Seeking a home loan with a competitive interest rate without the added extras?

Our Basic Home Loan has been designed with you in mind - a flexible product stripped back to only what’s essential.

Available for both owner-occupied and investor loans, the Basic Home Loan offers our lowest interest rates and a redraw facility to help manage surplus funds.

The basic home loan features include:

  • Both variable or fixed rate home loans
  • Access to a redraw facility to help manage surplus funds (fees may apply)
  • 24/7 service with our Client Service Centre
  • You can also benefit from an optional transactional account. Our One Account helps to manage your everyday banking, which features a favourable interest rate on credit balances in your account

To find out more about our competitive home loan rates, please click the button below and one of our dedicated financial specialists will be in touch soon. We can also provide you with a copy of a Key Fact Sheet based on the indicative rate and applicable product.
 

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Our financial calculators

With our easy-to-use calculators, you will have the tools you need to make better informed financial decisions.
 

Home buyer's guide

Tips for purchasing your first home

Our Home Buyer’s Guide is a great tool for anyone interested in the housing market at a granular level. In the guide, we have made it easy for you to focus on what is important, as you consider your financing options.

Learn More

Home loan repayments calculator

Our home loan calculator helps you work out what your minimum weekly, fortnightly or monthly home loan repayments would be for the amount you are planning to borrow. 

Learn More

Talk to one of our financial specialists today for more information
 

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Want to know more?

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Take control of the interest rate spiral

For a limited time, enjoy access to our three year fixed rate of 6.14% p.a. (6.04% p.a. comparison rate) on our Principal and Interest investor basic home loan.  

Learn More

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  • Important Information

      The issuer and credit provider of these products and services is BOQ Specialist. Terms and conditions, fees and charges and lending and eligibility criteria apply. You should obtain and consider the product terms and conditions before making any decision about whether to acquire the products. We reserve the right to cease offering these products at any time without notice.

      For target market determinations please click here.

      Any information is of a general nature only. We have not taken into account your objectives, financial situation, or needs when preparing it. Before acting on this information you should consider if it is appropriate for your situation. BOQ Specialist is not offering financial, tax or legal advice. You should obtain independent financial, tax and legal advice as appropriate.