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Home loan · 2yr Fixed

Fixed Rate Home Loan

Rate
Loan for
Repayments
Deposit

6.59%comparison rate p.a. · 6.79% advertised

2yr Fixed · P&I · Owner-occupier · ≤80% LVR

25th of 51 2-year fixed owner-occupier P&I loans

Go to BOQ

The same choices at every rate type

Comparison rates are based on a secured loan of $150,000 over 25 years. 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.

Offset account
No
Redraw
No
Extra repayments
Yes
Application fee
None
Ongoing fee
$10 a month
Discharge fee
$350
Compare all 321 home loans
Compare BOQ Fixed Rate Home Loan side by side

1yr Fixed · Interest Only · Investor · ≤80% LVR
9.08% comparison · 7.80% advertised
2yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.59% comparison · 6.79% advertised
2yr Fixed · P&I · Owner-occupier · ≤95% LVR
8.32% comparison · 7.14% advertised
2yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.78% comparison · 7.14% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤90% LVR
7.97% comparison · 7.09% advertised
2yr Fixed · P&I · Investor · ≤80% LVR
6.74% comparison · 6.94% advertised
2yr Fixed · P&I · Investor · 80–90% LVR
6.98% comparison · 7.14% advertised
2yr Fixed · Interest Only · Investor · ≤80% LVR
6.74% comparison · 6.94% advertised
2yr Fixed · Interest Only · Investor · 80–90% LVR
6.98% comparison · 7.14% advertised
3yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.64% comparison · 6.84% advertised
3yr Fixed · P&I · Owner-occupier · ≤95% LVR
8.21% comparison · 7.19% advertised
3yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.82% comparison · 7.09% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤90% LVR
8.19% comparison · 7.59% advertised
3yr Fixed · P&I · Investor · ≤80% LVR
6.79% comparison · 6.99% advertised
3yr Fixed · P&I · Investor · 80–90% LVR
7.00% comparison · 7.09% advertised
3yr Fixed · Interest Only · Investor · ≤80% LVR
6.78% comparison · 6.99% advertised
3yr Fixed · Interest Only · Investor · 80–90% LVR
6.99% comparison · 7.09% advertised
4yr Fixed · P&I · Owner-occupier · ≤95% LVR
8.16% comparison · 7.34% advertised
4yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.73% comparison · 6.99% advertised
4yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.92% comparison · 7.24% advertised
4yr Fixed · Interest Only · Owner-occupier · ≤90% LVR
8.24% comparison · 7.69% advertised
4yr Fixed · P&I · Investor · ≤80% LVR
6.89% comparison · 7.14% advertised
4yr Fixed · P&I · Investor · 80–90% LVR
7.08% comparison · 7.24% advertised
4yr Fixed · Interest Only · Investor · ≤80% LVR
6.89% comparison · 7.19% advertised
4yr Fixed · Interest Only · Investor · 80–90% LVR
7.09% comparison · 7.29% advertised
5yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.78% comparison · 6.99% advertised
5yr Fixed · P&I · Owner-occupier · ≤95% LVR
8.07% comparison · 7.34% advertised
5yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.98% comparison · 7.24% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤90% LVR
8.30% comparison · 7.84% advertised
5yr Fixed · P&I · Investor · ≤80% LVR
6.93% comparison · 7.14% advertised
5yr Fixed · P&I · Investor · 80–90% LVR
7.11% comparison · 7.24% advertised
5yr Fixed · Interest Only · Investor · ≤80% LVR
6.94% comparison · 7.19% advertised
5yr Fixed · Interest Only · Investor · 80–90% LVR
7.12% comparison · 7.29% advertised

Application fee
None
Ongoing fee
$10 a month
Discharge fee
$350

Offset account
No
Redraw
No
Extra repayments
Yes
Portable
No
Repayment holiday
No

  • Fixed Rate Home Loan · 2yr Fixed · P&I · Owner-occupier
  • RBA cash rate
5.006.00SepOctToday6.59% p.a. today

October 20261 change

  1. 8Thu
    • 33 variants up 0.13 to 0.348 days after the RBA rise to 4.60%
      1yr Fixed · Interest Only · Investor · ≤80% LVR8.869.08+0.22
      2yr Fixed · P&I · Owner-occupier · ≤80% LVR6.286.59+0.31
      2yr Fixed · P&I · Owner-occupier · ≤95% LVR8.018.32+0.31
      2yr Fixed · P&I · Owner-occupier · 80–90% LVR6.476.78+0.31
      2yr Fixed · Interest Only · Owner-occupier · ≤90% LVR7.847.97+0.13
      2yr Fixed · P&I · Investor · ≤80% LVR6.436.74+0.31
      2yr Fixed · P&I · Investor · 80–90% LVR6.676.98+0.31
      2yr Fixed · Interest Only · Investor · ≤80% LVR6.436.74+0.31
      2yr Fixed · Interest Only · Investor · 80–90% LVR6.676.98+0.31
      3yr Fixed · P&I · Owner-occupier · ≤80% LVR6.316.64+0.33
      3yr Fixed · P&I · Owner-occupier · ≤95% LVR7.878.21+0.34
      3yr Fixed · P&I · Owner-occupier · 80–90% LVR6.486.82+0.34
      3yr Fixed · Interest Only · Owner-occupier · ≤90% LVR8.068.19+0.13
      3yr Fixed · P&I · Investor · ≤80% LVR6.466.79+0.33
      3yr Fixed · P&I · Investor · 80–90% LVR6.667.00+0.34
      3yr Fixed · Interest Only · Investor · ≤80% LVR6.456.78+0.33
      3yr Fixed · Interest Only · Investor · 80–90% LVR6.666.99+0.33
      4yr Fixed · P&I · Owner-occupier · ≤95% LVR7.938.16+0.23
      4yr Fixed · P&I · Owner-occupier · ≤80% LVR6.506.73+0.23
      4yr Fixed · P&I · Owner-occupier · 80–90% LVR6.696.92+0.23
      4yr Fixed · Interest Only · Owner-occupier · ≤90% LVR8.108.24+0.14
      4yr Fixed · P&I · Investor · ≤80% LVR6.696.89+0.20
      4yr Fixed · P&I · Investor · 80–90% LVR6.897.08+0.19
      4yr Fixed · Interest Only · Investor · ≤80% LVR6.716.89+0.18
      4yr Fixed · Interest Only · Investor · 80–90% LVR6.917.09+0.18
      5yr Fixed · P&I · Owner-occupier · ≤80% LVR6.556.78+0.23
      5yr Fixed · P&I · Owner-occupier · ≤95% LVR7.858.07+0.22
      5yr Fixed · P&I · Owner-occupier · 80–90% LVR6.756.98+0.23
      5yr Fixed · Interest Only · Owner-occupier · ≤90% LVR8.178.30+0.13
      5yr Fixed · P&I · Investor · ≤80% LVR6.756.93+0.18
      5yr Fixed · P&I · Investor · 80–90% LVR6.937.11+0.18
      5yr Fixed · Interest Only · Investor · ≤80% LVR6.776.94+0.17
      5yr Fixed · Interest Only · Investor · 80–90% LVR6.967.12+0.16
      +0.13 to +0.34

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.

Also from BOQ: Economy Variable Home Loan 6.47% · Clear Path Variable Home Loan 6.51%

As of 1 November 2026, the BOQ Fixed Rate Home Loan's 2-year fixed owner-occupier P&I variant has a comparison rate of 6.59% (6.79% advertised), ranking 25th of 51 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. Its rate last moved on 8 October 2026, 8 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.