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Commercial, residential and consumer reference rates

Commercial lending

Effective: 6 June 2025

Loans and Overdrafts Effective Rate
Variable base rate 6/06/2025 8.10%
Overdraft base rate 6/06/2025 8.20%
Escrow base rate 6/06/2025 10.20%

Residential lending

* A negative or positive margin may apply to the rate to determine the annual percentage rate.

Effective: 6 June 2025

 

Owner occupied home loan Effective Rate

Variable principle and interest home rate

6/06/2025 9.12%
Variable interest only home rate 6/06/2025 9.66%
Residential investment home loan Effective Rate
Variable principle and interest home rate 6/06/2025 9.77%
Variable interest only home rate

6/06/2025

10.15%
Line of credit Effective Rate
Variable line of credit 6/06/2025 9.61%
Variable interest only line of credit 6/06/2025 10.10%
Plus Home Loan Effective Rate
Variable principal and interest plus home rate 6/06/2025 8.94%
Variable interest only plus home rate 6/06/2025 8.99%
Variable principal and interest plus investor rate 6/06/2025 9.48%
Variable interest only plus investor rate 6/06/2025 9.48%
Residential Top Up Loan (B6 Agreement) Effective Rate
Variable principal and interest top up home rate 6/06/2025 9.08%
Variable interest only top up home rate 6/06/2025 9.17%
Variable principal and interest top up investor rate 6/06/2025 9.52%
Variable interest only top up investor rate 6/06/2025 9.56%
Basic Home Loan - Owner Occupied Effective Rate
Variable principal and interest home rate 6/06/2025 7.52%
Variable interest only home rate 6/06/2025 8.28%
Basic Home Loan - Investment Effective Rate
Variable principal and interest investor rate 6/06/2025 7.59%
Variable interest only investor rate 6/06/2025 8.30%
Residential Top Up Loan Effective Rate
Residential top up base rate 6/06/2025 7.66%

 

Consumer lending

Consumer Overdrafts Effective Rate
Variable One-Account Overdraft
Rate
01/05/2025 14.19%
Variable Personal Overdraft Rate 06/06/2025 8.10%
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  • Important Information

      Any information is of a general nature only. We have not taken into account your objectives, financial situation, or needs when preparing it. Before acting on this information you should consider if it is appropriate for your situation. BOQ Specialist is not offering financial, tax or legal advice. You should obtain independent financial, tax and legal advice as appropriate.

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