BOQ SpecialistBasic 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.
At a glance
- Variable (owner occ. P&I)
- 8.52%8.70% comparison
- Variable (investor P&I)
- 8.59%
- Max LVR
- 90%
- Annual fee
- $120
- Features
- redraw
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 8.52% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 102nd lowest of 104 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 8.59% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 102nd lowest of 104 |
Rates
Every rate BOQ Specialist publishes for this home loan, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | ≤90% LVR | 9.30% | 9.48% | - |
| Variable | Investment, P&I | - | ≤90% LVR | 8.59% | 8.77% | - |
| Variable | Owner occupied, Interest only | - | ≤90% LVR | 9.28% | 9.46% | - |
| Variable | Owner occupied, P&I | - | ≤90% LVR | 8.52% | 8.70% | - |
Rate changes
8 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 6 Nov 2026 | Variable, Investment, Interest only, ≤90% LVR | 9.05% | 9.30% | up 0.25 |
| 6 Nov 2026 | Variable, Investment, P&I, ≤90% LVR | 8.34% | 8.59% | up 0.25 |
| 6 Nov 2026 | Variable, Owner occupied, Interest only, ≤90% LVR | 9.03% | 9.28% | up 0.25 |
| 6 Nov 2026 | Variable, Owner occupied, P&I, ≤90% LVR | 8.27% | 8.52% | up 0.25 |
| 3 Oct 2026 | Variable, Investment, Interest only, ≤90% LVR | 8.80% | 9.05% | up 0.25 |
| 3 Oct 2026 | Variable, Investment, P&I, ≤90% LVR | 8.09% | 8.34% | up 0.25 |
| 3 Oct 2026 | Variable, Owner occupied, Interest only, ≤90% LVR | 8.78% | 9.03% | up 0.25 |
| 3 Oct 2026 | Variable, Owner occupied, P&I, ≤90% LVR | 8.02% | 8.27% | up 0.25 |
Each change is logged the night it appears in the rates BOQ Specialist publishes. See how every lender answered the RBA on the rate tracker.
Fees
One fee published, grouped by when they're charged.
While you hold it1
- Monthly fee
Waived when a transactional account is opened and used as the primary account debited for repayment.
$10 a month
Features
- 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
Eligibility and limits
- Minimum age 18
- Residency: Resident or Citizen
- Maximum LVR 90%
- Product is offered to medical, dental ,veterinary & accounting professionals only
Compare it with others
Put this product through a calculator
Published by BOQ Specialist under the Consumer Data Right, last changed by them on 5 Nov 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.