BOQ Specialist
Basic Home Loan
The Basic Home Loan offers a low competitive interest rate, an optional One Account to support your everyday banking needs and a redraw facility to manage surplus funds.
Home loansBank updated 7 May 2026
At a glance
- Variable (owner occ. P&I)
- 8.02% · 8.20% comparison
- Variable (investor P&I)
- 8.09%
- Max LVR
- 90%
- Annual fee
- $120
- Features
- redraw
§ 01 — Rates · 4
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment · Interest only | — | ≤90% LVR | 8.80% | 8.98% | — |
| Variable | Investment · P&I | — | ≤90% LVR | 8.09% | 8.27% | — |
| Variable | Owner occupied · Interest only | — | ≤90% LVR | 8.78% | 8.96% | — |
| Variable | Owner occupied · P&I | — | ≤90% LVR | 8.02% | 8.20% | — |
§ 02 — Fees · 1
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Monthly fee | Periodic | $10 | Every 1 mo | Waived when a transactional account is opened and used as the primary account debited for repayment. |
§ 03 — Features
Redraw
- · 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
- · Choose between a variable or a fixed rate home loan
- · 24/7 service with our Client Service Centre
- · Borrow up to 90% LVR with no LMI
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Resident or Citizen
- · Maximum LVR 90%
- · Product is offered to medical, dental ,veterinary & accounting professionals only
§ 06 — Run the numbers
Put this product through a calculator
Published by BOQ Specialist under the Consumer Data Right, last changed by them on 7 May 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.