Variable
Smart Saver Home Loan Variable
- 100% offset
- Unlimited extra repayments
- Redraw
Tier-2 bank
Bank of Queensland
BrisbaneFounded 1874ACL/Banking Licence 244616
Strengths
- Strong QLD branch network
- Owner-managed branch model with local accountability
- Specialist medical and accounting professional packages
- Prepared to reprice out of cycle to win front-book volume
Watch out for
- Annual fee on premium packages
- Less competitive on standalone simple-variable
- Front-book sharpening means existing customers should check their own rate against the advertised one
BOQ products
Editorial reference covering the product range BOQ offers and the structural strengths and trade-offs we observe in the market. For the current headline rate and comparison rate, click through to BOQ\'s own rate card; the live number sits with them.
Home loans
Fixed 2yr
Fixed Rate 2 Years
- Fixed term certainty
Our BOQ coverage
- BOQ home loans: the deep dive
Economy Variable, Clear Path Variable, fixed 1 to 5 years. A Queensland-based tier-2 bank with a wide retail footprint. Where BOQ wins files in 2026.
- BOQ equipment finance: the deep dive
A tier-2 bank that punches above its weight in asset finance through two distinct arms: BOQ Finance on commercial equipment and vendor programs, and BOQ Specialist, one of the country's deepest financiers of medical, dental and veterinary practices.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
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The Bank of Queensland rates above are publisher reference. The right product for your situation depends on income, deposit, credit profile, security and serviceability, and that comparison is what a broker does.
★★★★★4.9 across 320+ broker-partner reviewsAustralian Credit Licence 505575Independent. Education first.