As of 18 September 2026, the BOQ Fixed Rate Home Loan's 2-year fixed owner-occupier P&I variant has a comparison rate of 6.28% (6.24% advertised), ranking 8th of 49 2-year fixed owner-occupier P&I loans. The product comes in 33 variants; the others are investor, interest-only, other fixed terms and other LVR bands.
6.24% advertised · 2yr Fixed · P&I · Owner-occupier · ≤80% LVR
32 other variants: investor, interest-only, other fixed terms and other LVR bands below.
Rate over time
Comparison rate · 2yr Fixed · P&I · Owner-occupier · ≤80% LVR- Fixed Rate Home Loan · 2yr Fixed · P&I · Owner-occupier
- RBA cash rate
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- 1yr Fixed · Interest Only · Investor · ≤80% LVR
- 8.86% comparison · 7.80% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.28% comparison · 6.24% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤95% LVR
- 8.01% comparison · 6.59% advertised
- 2yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.47% comparison · 6.59% advertised
- 2yr Fixed · Interest Only · Owner-occupier · ≤90% LVR
- 7.84% comparison · 7.09% advertised
- 2yr Fixed · P&I · Investor · ≤80% LVR
- 6.43% comparison · 6.39% advertised
- 2yr Fixed · P&I · Investor · 80–90% LVR
- 6.67% comparison · 6.59% advertised
- 2yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.43% comparison · 6.39% advertised
- 2yr Fixed · Interest Only · Investor · 80–90% LVR
- 6.67% comparison · 6.59% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.31% comparison · 6.29% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤95% LVR
- 7.87% comparison · 6.64% advertised
- 3yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.48% comparison · 6.54% advertised
- 3yr Fixed · Interest Only · Owner-occupier · ≤90% LVR
- 8.06% comparison · 7.59% advertised
- 3yr Fixed · P&I · Investor · ≤80% LVR
- 6.46% comparison · 6.44% advertised
- 3yr Fixed · P&I · Investor · 80–90% LVR
- 6.66% comparison · 6.54% advertised
- 3yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.45% comparison · 6.44% advertised
- 3yr Fixed · Interest Only · Investor · 80–90% LVR
- 6.66% comparison · 6.54% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤95% LVR
- 7.93% comparison · 7.14% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.50% comparison · 6.79% advertised
- 4yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.69% comparison · 7.04% advertised
- 4yr Fixed · Interest Only · Owner-occupier · ≤90% LVR
- 8.10% comparison · 7.69% advertised
- 4yr Fixed · P&I · Investor · ≤80% LVR
- 6.69% comparison · 7.04% advertised
- 4yr Fixed · P&I · Investor · 80–90% LVR
- 6.89% comparison · 7.14% advertised
- 4yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.71% comparison · 7.14% advertised
- 4yr Fixed · Interest Only · Investor · 80–90% LVR
- 6.91% comparison · 7.24% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.55% comparison · 6.79% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤95% LVR
- 7.85% comparison · 7.14% advertised
- 5yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.75% comparison · 7.04% advertised
- 5yr Fixed · Interest Only · Owner-occupier · ≤90% LVR
- 8.17% comparison · 7.84% advertised
- 5yr Fixed · P&I · Investor · ≤80% LVR
- 6.75% comparison · 7.04% advertised
- 5yr Fixed · P&I · Investor · 80–90% LVR
- 6.93% comparison · 7.14% advertised
- 5yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.77% comparison · 7.14% advertised
- 5yr Fixed · Interest Only · Investor · 80–90% LVR
- 6.96% comparison · 7.24% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- $10 a month
- Discharge fee
- $350
Features
Headline variant- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
About this product
You don't need a fortune teller to find out what the future looks like. A fixed rate home loan gives you the certainty of knowing exactly what your repayments will be for a certain term, while protecting yourself against any potential interest rate rises. And with great interest rates across our range of terms, that certainty comes with a smile.