BOQ home loan rates
Ranked by advertised rate, BOQ's lowest advertised rate we track is 6.28% advertised (6.42% comparison) on the Economy Variable Home Loan - 13th of 31 lenders we track. Rates as at 28 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Its lowest variable home loan rate we track is 6.28% advertised (6.42% comparison) on the Economy Variable Home Loan; its lowest fixed home loan rate we track is 6.79% advertised (6.59% comparison) on the Fixed Rate (discount). Rates as at 28 Oct 2026.
We track 5 BOQ owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 28 Oct 2026. See our methodology.
At the lowest advertised rate we track - 6.28% on the Economy Variable Home Loan - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,706 a month (an arithmetic example, not a quote or an offer). Rates as at 28 Oct 2026.
BOQ since the 29 Sept 2026 RBA decision
The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.
BOQ has changed 2 variable rates in its published data since:
- Clear Path Variable Rate Home Loan - variable with offset6.14% → 6.39%(+25 bp)matches the cash rate move
- Economy Variable Home Loan - variable, no-offset6.03% → 6.28%(+25 bp)matches the cash rate move
Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →
BOQ products (5)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Economy Variable Home LoanBOQ | Variable | 6.28% | 6.42% | 70% | link |
Clear Path Variable Rate Home LoanBOQ | Variable | 6.39% | 6.51% | 80% | link |
Fixed Rate (discount)BOQ | Fixed 2yr | 6.79% | 6.59% | 80% | link |
Fixed Rate (discount)BOQ | Fixed 3yr | 6.84% | 6.64% | 80% | link |
Fixed Rate (discount)BOQ | Fixed 5yr | 6.99% | 6.78% | 80% | link |
BOQ recent rate changes
5 of BOQ's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.
- Fixed Rate Home Loan (discount), 2-year term6.24% → 6.79%(+55 bp)previous value last seen 7 Oct 2026
- Fixed Rate Home Loan (discount), 3-year term6.29% → 6.84%(+55 bp)previous value last seen 7 Oct 2026
- Fixed Rate Home Loan (discount), 5-year term6.79% → 6.99%(+20 bp)previous value last seen 7 Oct 2026
- Clear Path Variable Rate Home Loan - variable with offset6.14% → 6.39%(+25 bp)previous value last seen 2 Oct 2026
- Economy Variable Home Loan - variable, no-offset6.03% → 6.28%(+25 bp)previous value last seen 2 Oct 2026
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