BOQ Personal Banking | Bank accounts, credit cards, home loans

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data-autocomplete-type="links"> <input name="keyword" id="site-search" class="js-autocomplete-input text" autocomplete="off" type="search"/> <input name="collection" value="boq-search" type="hidden"/> <button class="link-icon search-submit" type="submit" role="button" aria-label="Search button"> <span class="vh">Search button</span> <span class="icon svg-search-white" data-grunticon-embed></span> </button> </div> <div class="status-msg"> </div> </div> </div> </form> </div> </div> </div>   <nav id="nav" class="offscreen-panel js-offscreen" role="navigation" tabindex="-1" data-offscreen-at="0,m"> <div class="offscreen-content"> <h2 class="vh">Navigation</h2> <div class="nav-header"> <div class="logo"> <a href="/personal"> <img src="/content/dam/boq/images/miscellaneous-images/boq-logo2.png" width="80" alt="BOQ"/> </a> </div> <button class="link-icon nav-close js-offscreen-close"> <span class="icon svg-close-grey" data-grunticon-embed></span> <span class="vh">Close navigation</span> </button> </div> <ul> <li> </li> <li class="has-children"> <div class="nav-item-wrapper"> <a href="/personal" class="subnav-item-title nav-lvl1">Personal</a> <a href="#nav-main-2" class="js-ec-link expandcollapse"><span class="vh">Personal child pages</span></a> </div> <div id="nav-main-2" class="js-ec expandcollapse-content"> <ul> <li class="has-children"> <div class="nav-item-wrapper"> <a href="/personal/banking" class="has-nav-children subnav-item-title nav-lvl2">Banking</a> <a href="#nav-main-2-1" class="js-ec-link expandcollapse"><span class="vh">Banking child pages</span><span class="vh">Banking child pages</span><span class="vh">Banking child pages</span><span class="vh">Banking child pages</span><span class="vh">Banking child pages</span><span class="vh">Banking child pages</span><span class="vh">Banking child pages</span></a> </div> <div id="nav-main-2-1" class="js-ec expandcollapse-content"> <ul> <li> <a href="/personal/banking/transaction-accounts" class="subnav-item-title 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href="/personal/investing-and-superannuation/boq-online-share-trading" class="subnav-item-title nav-lvl3">BOQ Online Share Trading </a> </li> <li> <a href="/personal/investing-and-superannuation/log-in-to-boq-trading" class="subnav-item-title nav-lvl3">Log In to BOQ Trading</a> </li> <li> <a href="/personal/investing-and-superannuation/self-managed-super-funds" class="subnav-item-title nav-lvl3">Self Managed Super Funds</a> </li> </ul> </div> </li> <li class="has-children"> <div class="nav-item-wrapper"> <a href="/personal/tools-and-calculators" class="has-nav-children subnav-item-title nav-lvl2">Tools and Calculators </a> <a href="#nav-main-2-8" class="js-ec-link expandcollapse"><span class="vh">Tools and Calculators child pages</span><span class="vh">Tools and Calculators child pages</span><span class="vh">Tools and Calculators child pages</span><span class="vh">Tools and Calculators child pages</span><span class="vh">Tools and Calculators child pages</span></a> </div> <div id="nav-main-2-8" class="js-ec expandcollapse-content"> <ul> <li> <a href="/personal/tools-and-calculators/loan-repayment-calculator" class="subnav-item-title nav-lvl3">Loan Repayments Calculator</a> </li> <li> <a href="/personal/tools-and-calculators/stamp-duty-calculator" class="subnav-item-title nav-lvl3">Stamp Duty Calculator</a> </li> <li> <a href="/personal/tools-and-calculators/borrowing-power-calculator" class="subnav-item-title nav-lvl3">Borrowing Power Calculator</a> </li> <li> <a href="/personal/tools-and-calculators/boq-property-app" class="subnav-item-title nav-lvl3">Property and Suburb Reports</a> </li> <li> <a href="/personal/tools-and-calculators/rate-change-calculator" class="subnav-item-title nav-lvl3">Rate Change Calculator</a> </li> </ul> </div> </li> </ul> </div> </li> <li class="has-children"> <div class="nav-item-wrapper"> <a href="/business" class="subnav-item-title nav-lvl1">Business</a> <a href="#nav-main-3" class="js-ec-link expandcollapse"><span 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class="vh">Financial Markets and International Services child pages</span><span class="vh">Financial Markets and International Services child pages</span><span class="vh">Financial Markets and International Services child pages</span><span class="vh">Financial Markets and International Services child pages</span><span class="vh">Financial Markets and International Services child pages</span></a> </div> <div id="nav-main-3-6" class="js-ec expandcollapse-content"> <ul> <li> <a href="/business/financial-markets-and-international-services/export-and-import-services" class="subnav-item-title nav-lvl3">Export and Import Services</a> </li> <li> <a href="/business/financial-markets-and-international-services/international-and-domestic-trade" class="subnav-item-title nav-lvl3">International and Domestic Trade</a> </li> <li> <a href="/business/financial-markets-and-international-services/foreign-exchange" class="subnav-item-title nav-lvl3">Foreign Exchange</a> </li> <li> <a 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href="https://onlineapplications.boq.com.au/iSolutions.Forms.Service/ApplicationPrepopulationHandler.ashx?formId=5d1193bd10f87b1790406923&Product_name=Home%20Loan%20Enquiry" class="js-update-url-params cta">Enquire now</a> </div>   <div class="banner-image--desktop image" style="background-image: url(/content/dam/boq/images/content-header/home-loans-father-daughter.jpg)"> <span class="vh">Image: </span>  </div> <div class="banner-image--mobile image" style="background-image: url(/content/dam/boq/images/content-header/boq-broker-support-content-header.jpg)"> <span class="vh">Image: </span>  </div> </div> </section> </div> <div class="carousel-item-interest-rates section"> <section class="hero-carousel-item"> <div class="l-padding"> <div class="content"> <h1>Our savings account with no fuss and no hoops, just simple savings</h1> <h2>Simple Saver Account</h2> <div class="product-key-rates"> <div class="product-key-rate-item"> <div class="key-value-text"> <span>4.55</span> <span class="key-value-superscript">% P.A.<sup></sup></span> </div> <div class="key-top-text"></div> </div> </div> <a href="https://application.boq.com.au/boq-forms/boq-bank-and-save/boq-apply-now?product=simple" class="js-update-url-params cta">Apply online</a> <p class="disclaimer"></p> </div> <div class="banner-image--desktop image" style="background-image: url(/content/dam/boq/images/hero-header/simple-saver-friends-road-trip-desktop.jpg)"> <span class="vh">Image: </span>  </div> <div class="banner-image--mobile image" style="background-image: url(/content/dam/boq/images/mobile-header/simple-saver-friends-road-trip-mobile.jpg)"> <span class="vh">Image: </span>  </div> </div> </section> </div> <div class="carousel-item section"> <section class="hero-carousel-item"> <div class="l-padding">  <div class="content">   <div class="banner-text--mobile"> <h1>Platinum Visa Credit Card</h1> <h2>Get the lot (and more) – for surprisingly little.</h2> <p>Earn 100,000 bonus Q Rewards® points<sup>2</sup></p> </div> <div class="banner-text--desktop"> <h1>Platinum Visa Credit Card</h1> <h2>Get the lot (and more) – for surprisingly little.</h2> <p>Earn 100,000 bonus Q Rewards® points<sup>2</sup></p> </div> <a href="/personal/credit-cards/platinum-rewards-credit-card" class="js-update-url-params cta">Learn more</a> <p class="disclaimer">Spend criteria, terms and conditions apply. New customers only.</p> </div>   <div class="image" style="background-image: url(/content/dam/boq/images/content-header/young-couple-home.jpg)"> <span class="vh">Image: </span>  </div> </div> </section> </div> <div class="carousel-item-interest-rates section"> <section class="hero-carousel-item"> <div class="l-padding"> <div class="content">   <div class="banner-text--mobile"> <h1>BOQ Future Saver</h1> <h2>High interest savings account for customers aged 14 - 35 years.</h2> </div> <div class="banner-text--desktop"> <h1>BOQ Future Saver</h1> <h2>High interest savings account for customers aged 14 - 35 years.</h2> </div> <div class="product-key-rates"> <div class="product-key-rate-item"> <div class="key-value-text"> <span>5.25</span> <span class="key-value-superscript">% P.A.</span> </div> <div class="key-top-text">Bonus interest rate for balances up to $50,000*</div> </div> </div> <a href="/personal/banking/savings-and-term-deposits/future-saver" class="js-update-url-params cta">Learn more</a> <p class="disclaimer"></p> </div> <div class="banner-image--desktop image" style="background-image: url(/content/dam/boq/images/hero-header/future-saver-smiling-hand-desktop.jpg)"> <span class="vh">Image: </span>  </div> <div class="banner-image--mobile image" style="background-image: url(/content/dam/boq/images/mobile-header/future-saver-smiling-hand-mobile.jpg)"> <span class="vh">Image: </span>  </div> </div> </section> </div> </div> </div> </div>  <div class="l-content-container cf l-padding l-home no-bottom-padding">  <div class="l-content-column">  <main id="main" tabindex="-1" role="main" class="l-main"> <div class="homepage-tabs section"> <div class="js-tabs tabs-container tabs-container-promo tabs-container-home" data-tabs-at="m" data-tabs-nav-fullwidth="true" data-tab-scroll="false"> <div class="tabs"> <div class="tab-group" data-tab-title="Show me more about"> <div id="homepage_tabs_1" class="tab"> <a href="#homepage_tabs_1-ec" class="js-ec-link expandcollapse tab-ec-title "> Bank accounts </a> <div id="homepage_tabs_1-ec" class="js-ec expandcollapse-content tab-ec-content" data-ec-at='0,s' data-ec-group="tab7-8" data-ec-scroll="false"> <div class="column-container section"><div class="column-container"> <div class="sl homepage-promo"> <div class="sl-list has-2-items has-feature-right"> <div class="sl-item"> <div class="cm cm-links cm-homepage-links section"> <h2>Everyday banking with BOQ</h2> <ul class="blue-links"> <li><a href="/personal/banking/transaction-accounts">Transaction accounts</a></li> <li><a href="/personal/banking/savings-and-term-deposits">Savings accounts</a></li> <li><a href="/personal/banking/savings-and-term-deposits/term-deposits">Term deposits</a></li> <li><a href="/personal/todays-interest-rates/savings-account-interest-rates">Compare savings accounts</a></li> <li><a href="/personal/tools-and-calculators/savings-calculator">Savings calculator</a></li> </ul> </div> </div> <div class="sl-item"> <div class="column-container section"> <div class="column-container"> <div class="sl "> <div class="sl-list has-2-items has-feature-left" data-heights-type="sl-list-has-2-items"> <div class="sl-item"> <div class="hero-banner-interest-rates section"> <section class="cm cm-hero-banner cm-image-block-link ">  <a href="/personal/banking/savings-and-term-deposits/term-deposits"> <div class="content"> <div class="subtitle"> Watch your money grow with our high interest term deposit account </div> <h2>Term Deposits</h2> <p> <div class="product-key-rates"> <div class="product-key-rate-item"> <div class="key-value-text"> <span>4.50</span> <sup>% P.A.</sup> </div> <div class="key-top-text">12 month fixed term deposit from $5,000</div> </div> </div> <p></p> </p> <span class="faux-link">View Term Deposits</span> <p class="disclaimer"></p> </div> </a>  </section> </div> </div> <div class="sl-item"> <div class="homepage-feature-item section">  <section class="cm-feature-content-tile tile-grey"> <a href="/important-information/changes-terms-and-conditions" class="cm cm-image-block-link"> <div class="icon"> <img class="img" src="/content/dam/boq/images/icons/icon-bank2.svg" alt="BOQ Business accounts"/> </div> <div class="content">  <h2 class="header js-no-widont">Important changes for BOQ Business Banking customers.</h2> <p>We are making some changes to the BOQ Business Facility General Conditions.</p> <span class="faux-link"> Read changes</span> </div> </a> </section>  </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="homepage_tabs_2" class="tab"> <a href="#homepage_tabs_2-ec" class="js-ec-link expandcollapse tab-ec-title "> Home loans</a> <div id="homepage_tabs_2-ec" class="js-ec expandcollapse-content tab-ec-content" data-ec-at='0,s' data-ec-group="tab7-8" data-ec-scroll="false"> <div class="column-container section"><div class="column-container"> <div class="sl homepage-promo"> <div class="sl-list has-2-items has-feature-right"> <div class="sl-item"> <div class="cm cm-links cm-homepage-links section"> <h2>Home loans</h2> <ul class="blue-links"> <li><a href="/personal/home-loans">Our most popular home loans</a></li> <li><a href="/personal/home-loans/compare-our-home-loans">Compare our home loans</a></li> <li><a href="/personal/home-loans/home-loan-calculators">Home loan calculators</a></li> <li><a href="/personal/home-loans/property-report">Property reports</a></li> <li><a href="/personal/home-loans/buying-your-first-home">Buying your first home</a></li> <li><a href="/personal/home-loans/buying-an-investment-property">Buying an investment property</a></li> <li><a href="/life-stages/building-a-home">Building a home</a></li> <li><a href="/personal/home-loans/home-loan-refinancing">Refinancing your home</a></li> </ul> </div> </div> <div class="sl-item"> <div class="column-container section"> <div class="column-container"> <div class="sl "> <div class="sl-list has-2-items has-feature-left" data-heights-type="sl-list-has-2-items"> <div class="sl-item"> <div class="hero-banner-interest-rates section"> <section class="cm cm-hero-banner cm-image-block-link ">  <a href="/personal/home-loans/economy-home-loan"> <div class="content"> <div class="subtitle"> GET INTO YOUR HOME FASTER WITH IMPRESSIVELY LOW RATES </div> <h2>Economy Variable Home Loan</h2> <p> <div class="product-key-rates"> <div class="product-key-rate-item"> <div class="key-value-text"> <span>5.93</span> <sup>% p.a.</sup> </div> <div class="key-top-text">For owner occupiers</div> </div> <div class="product-key-rate-item"> <div class="key-value-text"> <span>6.08</span> <sup>% p.a.</sup> </div> <div class="key-top-text">Comparison Rate^</div> </div> </div> <p>Terms and conditions apply</p> </p> <span class="faux-link">View Home Loans</span> <p class="disclaimer"></p> </div> </a>  </section> </div> </div> <div class="sl-item"> <div class="homepage-feature-item section">  <section class="cm-feature-content-tile "> <a href="/personal/home-loans/home-loan-refinancing" class="cm cm-image-block-link"> <div class="icon"> <img class="img" src="/content/dam/boq/images/icons/icon-hand-dollar.svg" alt=" $2,000 cashback offer"/> </div> <div class="content">  <h2 class="header "> Get $2000 cashback when you refinance your home loan to BOQ</h2> <p>Terms and conditions apply^^</p> <span class="faux-link">View offer</span> </div> </a> </section>  </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="homepage_tabs_3" class="tab"> <a href="#homepage_tabs_3-ec" class="js-ec-link expandcollapse tab-ec-title "> Credit cards</a> <div id="homepage_tabs_3-ec" class="js-ec expandcollapse-content tab-ec-content" data-ec-at='0,s' data-ec-group="tab7-8" data-ec-scroll="false"> <div class="column-container section"><div class="column-container"> <div class="sl homepage-promo"> <div class="sl-list has-2-items has-feature-right"> <div class="sl-item"> <div class="cm cm-links cm-homepage-links section"> <h2>Credit cards</h2> <ul class="blue-links"> <li><a href="/personal/credit-cards/low-rate-credit-card">Low Rate Visa Credit Card</a></li> <li><a href="/personal/credit-cards/blue-rewards-credit-card">Blue Visa Credit Card</a></li> <li><a href="/personal/credit-cards/platinum-rewards-credit-card">Platinum Visa Credit Card</a></li> <li><a href="/personal/credit-cards/rewards-points">Q Rewards® Points</a></li> <li><a href="/personal/credit-cards">Compare Credit Cards</a></li> </ul> </div> </div> <div class="sl-item"> <div class="column-container section"> <div class="column-container"> <div class="sl "> <div class="sl-list has-2-items has-feature-left" data-heights-type="sl-list-has-2-items"> <div class="sl-item"> <div class="homepage-promo-item section"><section class="cm cm-homepage-promo-tiles "> <span class="subtitle">Blue Visa Credit Card</span> <h2 class="title"> <a href="/personal/credit-cards/blue-rewards-credit-card">0% p.a. on purchases and balance transfers for 9 months. Terms and conditions apply<sup>1</sup></a> </h2> <img src="/content/dam/boq/images/cards/visa-cc-blue.png"/> </section> </div> </div> <div class="sl-item"> <div class="homepage-feature-item section">  <section class="cm-feature-content-tile tile-primary"> <a href="https://boq.cardservicesdirect.com.au/AUBOQ/ICARD/appnew/getApplyNow.do?p=680891000&s=1WZ2YYJ3" class="cm cm-image-block-link"> <div class="icon"> <img class="img" src="/content/dam/boq/images/icons/ready-to-apply-wht.svg" alt="Document with tick"/> </div> <div class="content">  <h2 class="header ">Apply for a credit card</h2> <p> </p> <span class="faux-link">Apply online now</span> </div> </a> </section>  </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="homepage_tabs_4" class="tab"> <a href="#homepage_tabs_4-ec" class="js-ec-link expandcollapse tab-ec-title "> Insurance</a> <div id="homepage_tabs_4-ec" class="js-ec expandcollapse-content tab-ec-content" data-ec-at='0,s' data-ec-group="tab7-8" data-ec-scroll="false"> <div class="column-container section"><div class="column-container"> <div class="sl homepage-promo"> <div class="sl-list has-2-items has-feature-right"> <div class="sl-item"> <div class="cm cm-links cm-homepage-links section"> <h2>Insurance</h2> <ul class="blue-links"> <li><a href="/personal/insurance/home-and-contents-insurance">Home and Contents Insurance </a></li> <li><a href="/personal/insurance/landlord-insurance">Landlord Insurance</a></li> <li><a href="/personal/insurance/car-insurance">Car Insurance</a></li> </ul> </div> </div> <div class="sl-item"> <div class="column-container section"> <div class="column-container"> <div class="sl "> <div class="sl-list has-2-items has-feature-left" data-heights-type="sl-list-has-2-items"> <div class="sl-item"> <div class="hero-banner-interest-rates section"> <section class="cm cm-hero-banner cm-image-block-link ">  <a href="/personal/insurance"> <div class="content"> <div class="subtitle"> </div> <h2>BOQ Insurance offers smart Home, Contents, Landlord and Car Insurance to help you protect some of your most valuable assets. </h2> <p> <div class="product-key-rates"> <div class="product-key-rate-item"> <div class="key-value-text"> <span></span> <sup></sup> </div> <div class="key-top-text"></div> </div> </div> <p>BOQ's Specialist Insurance Team is here to help. Get a quote today.</p> </p> <span class="faux-link">View insurance</span> <p class="disclaimer"></p> </div> </a>  </section> </div> </div> <div class="sl-item"> <div class="homepage-feature-item section">  <section class="cm-feature-content-tile "> <a href="https://www.boq.com.au/personal/insurance" class="cm cm-image-block-link"> <div class="icon"> <img class="img" src="/content/dam/boq/images/icons/branch.png" alt="Online quote"/> </div> <div class="content">  <h2 class="header ">Get an online quote in as little as 3 minutes</h2> <p>Or call our Specialist Insurance Team on 1300 159 298. Available from Monday to Friday, 8:00am – 6:00pm (AEDT).</p> <span class="faux-link">Apply Online</span> </div> </a> </section>  </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div></div> <div class="wrap wrap-grey-lighter"> <div class="homepage-feature-container section">  <div class="sl"> <div class="sl-list has-4-items has-4-items feature-content-tile" data-heights-type="feature-content-tiles"> <div class="sl-item"> <div class="homepage-feature-item section">  <section class="cm-feature-content-tile "> <a href="/personal/tools-and-calculators" class="cm cm-image-block-link"> <div class="icon"> <img class="img" src="/content/dam/boq/images/icons/calculator-1.svg" alt="Calculator key pad "/> </div> <div class="content">  <h2 class="header ">Tools and calculators</h2> <p>We’ll help you work it out.</p> <span class="faux-link">Use our calculators</span> </div> </a> </section>  </div> </div> <div class="sl-item"> <div class="homepage-feature-item section">  <section class="cm-feature-content-tile "> <a href="/help-and-support/getting-started" class="cm cm-image-block-link"> <div class="icon"> <img class="img" src="/content/dam/boq/images/icons/computer-laptop.svg" alt="Open laptop"/> </div> <div class="content">  <h2 class="header ">Opened a new account?</h2> <p>Make the most of it and get started with these easy steps.</p> <span class="faux-link">Find out more</span> </div> </a> </section>  </div> </div> <div class="sl-item"> <div class="homepage-feature-item section">  <section class="cm-feature-content-tile "> <a href="/help-and-support/faqs" class="cm cm-image-block-link"> <div class="icon"> <img class="img" src="/content/dam/boq/images/icons/chat.svg" alt="Speech bubbles"/> </div> <div class="content">  <h2 class="header ">FAQs</h2> <p>Find the answer to your frequently asked questions.</p> <span class="faux-link">Go to FAQs</span> </div> </a> </section>  </div> </div> <div class="sl-item"> <div class="homepage-feature-item section">  <section class="cm-feature-content-tile "> <a href="/personal/online-banking/internet-banking" class="cm cm-image-block-link"> <div class="icon"> <img class="img" src="/content/dam/boq/images/icons/global-network-dollar.svg" alt="internet banking"/> </div> <div class="content">  <h2 class="header ">Internet Banking</h2> <p>We recently upgraded BOQ Classic Internet Banking with a new look and feel.</p> <span class="faux-link">Learn more</span> </div> </a> </section>  </div> </div> </div> </div>  </div> <div class="customer-testimonial section"><div class="testimonial fn_equalHeights" data-heights-type="vanilla"> <div class="testimonial_image"> <img src="/content/dam/boq/images/managers/jellina-white-gympie.png" alt="Jellina White"/> </div> <div class="testimonial_content"> <div class="testimonial_quote"> <q>For us, successful banking is all about building relationships and understanding our customer's needs, whatever they are.</q> <div class="testimonial_author"> Jellina White <span>Executive Branch Manager, Gympie</span> </div> </div> <p>Locate your branch manager</p> <a href="/help-and-support/find-a-branch" class="cta cta-primary-dark">Find a branch or ATM</a> </div> </div> </div> <div class="column-container section"> <div class="column-container"> <div class="sl "> <div class="sl-list has-1-item"> <div class="sl-item"> <div class="richtext section"> <div class="cm cm-rich-text module__content l-full-width"> </div> </div> </div> </div> </div> </div> </div> <div class="column-container section"> <div class="column-container"> <div class="sl "> <div class="sl-list has-4-items" data-heights-type="sl-list-has-4-items"> <div class="sl-item"> <div class="richtext section"> <div class="cm cm-rich-text module__content l-full-width"> <h2>How we can support you</h2> </div> </div> </div> <div class="sl-item"> <div class="homepage-feature-item section">  <section class="cm-feature-content-tile "> <a href="/help-and-support/fraud-and-scams/report" class="cm cm-image-block-link"> <div class="icon"> <img class="img" src="/content/dam/boq/images/icons/icon-bank-security.png" alt="Locked safe"/> </div> <div class="content">  <h2 class="header ">Report a Fraud or Scam</h2> <p>If you are concerned you have fallen victim to a scam, please contact us straight away.</p> <span class="faux-link">Find help</span> </div> </a> </section>  </div> </div> <div class="sl-item"> <div class="homepage-feature-item section">  <section class="cm-feature-content-tile "> <a href="/help-and-support/assistance" class="cm cm-image-block-link"> <div class="icon"> <img class="img" src="/content/dam/boq/images/icons/icon-hand-dollar.svg" alt="Coin in hand"/> </div> <div class="content">  <h2 class="header ">Financial hardship</h2> <p>Find out how we can help support you during difficult times.</p> <span class="faux-link">Learn more</span> </div> </a> </section>  </div> </div> <div class="sl-item"> <div class="homepage-feature-item section">  <section class="cm-feature-content-tile "> <a href="/help-and-support/interest-rate-hub" class="cm cm-image-block-link"> <div class="icon"> <img class="img" src="/content/dam/boq/images/icons/icon-dollar-scope.svg" alt="dollar sign with bullseye"/> </div> <div class="content">  <h2 class="header ">Navigating interest rate changes</h2> <p>Explore our hub for useful home loan guides and easy to use tools.</p> <span class="faux-link">Find out how</span> </div> </a> </section>  </div> </div> </div> </div> </div> </div> <div class="blog-homepage-articles section"> <section class="cm cm-blog-articles"> <h2>Latest blog articles</h2> <div class="sl"> <div class="sl-list has-3-items" data-heights-type="sl-list-has-4-items"> <div class="sl-item"> <section class="cm cm-content-tile"> <a href="/blog/property/fixed-rate-ending-options" class="cm-image-block-link"> <div> <div class="image"> <img class="img" src="/content/dam/boq/images/blog-images/blog-header-images/fixed-rate-options_blog-header-couple_1100x500.jpg" alt="couple-sitting-on-couch-looking-at-laptop-fixed-rate-expiry-options-blog-header"/> </div> <div class="content"> <h2 class="header">Home loan fixed rate ending soon? Know your options</h2> </div> </div> </a> </section> </div> <div class="sl-item"> <section class="cm cm-content-tile"> <a href="/blog/personal-finance/entertaining-on-a-budget" class="cm-image-block-link"> <div> <div class="image"> <img class="img" src="/content/dam/boq/images/blog-images/blog-header-images/LEADEntertaining_1100x500%20COMPRESSED.jpg" alt="a group of people eating and drinking together outdoors"/> </div> <div class="content"> <h2 class="header">Your guide to entertaining on a budget</h2> </div> </div> </a> </section> </div> <div class="sl-item"> <section class="cm cm-content-tile"> <a href="/blog/property/fixed-vs-variable-vs-split" class="cm-image-block-link"> <div> <div class="image"> <img class="img" src="/content/dam/boq/images/blog-images/blog-header-images/fixed-variable-split-blog-header-image-decision-making.jpg" alt="making a decision on your home loan"/> </div> <div class="content"> <h2 class="header"> Fixed or variable: which home loan should you choose?</h2> </div> </div> </a> </section> </div> </div> </div> <div class="cm-blog-articles--cta"> <a href="/blog"> <span class="cta-is-small">See more</span> </a> </div> </section></div> </div> </main>  </div>  </div>   <div class="global-terms-conditions-container section"> <div class="cm cm-global-tcs"> <div class="l-padding"> <div> </div> <section class="cm cm-accordion no-vertical-margin"> <ul class="accordion-list"> <li> <a href="#global-tcs" class="js-ec-link accordion-item">Important Information</a> <div id="global-tcs" class="js-ec-scroll-tc expandcollapse-content" data-ec-group="accordion" data-ec-hash="true"> <ol> <div> <div class="richtext section"> <div class="cm cm-rich-text module__content l-full-width"> </div> </div> <div class="reference parbase section"><div class="cq-dd-paragraph"><div class="global_terms_conditi global-terms-conditions"> <li><p>Credit provided by Bank of Queensland Limited ABN 32 009 656 740 (Australian Credit Licence Number 244616) (BOQ). Fees and charges payable. BOQ's standard credit assessment criteria apply. Full terms and conditions are available at any BOQ branch. Interest rates quoted are indicative only, and are subject to change without notice. </p> <p>^Comparison rates calculated on the basis of a secured loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed interest only loans are based on an initial Interest Only period equal in length to the fixed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.</p> </li></div> </div> </div> <div class="reference parbase section"><div class="cq-dd-paragraph"></div> </div> <div class="richtext section"> <div class="cm cm-rich-text module__content l-full-width"> <p>2. Offer commenced 1 December 2023. 100,000 bonus Q Rewards Points will be awarded when $4,500 or more is spent on Eligible Transactions within the first 3 months from card approval. Purchases must be processed and charged to your account in the first 3 months from the account approval. Eligible Transaction is defined in the Q Rewards® Terms and Conditions and means any purchase excluding (but not limited to) cash advances, balance transfers, special promotions, BPAY payments, government related transactions and all other transactions set out within the definition. All Q Rewards® are subject to the BOQ Q Rewards® Terms and Conditions. The Q Rewards® Points will be credited to the Primary Cardholder’s Account within 60 days of meeting the spend criteria. We reserve the right to continue, withdraw or change the offer at any time. This offer is not available when closing or transferring from another BOQ branded credit card account or in conjunction with any other BOQ branded credit card offer.</p> </div> </div> <div class="reference parbase section"><div class="cq-dd-paragraph"><div class="global_terms_conditi global-terms-conditions"> <li><p><a href="/important-information/tmd">For Target Market Determinations please refer here.</a></p> <p>Bank of Queensland Credit Cards (“Credit Cards”) are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) and distributed by Bank of Queensland Limited ABN 32 009 656 740 (“BOQ”). NAB has acquired the business relating to the Credit Cards from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi") and has appointed Citi to assist to administer the Credit Cards. Our/us/we means NAB unless the context otherwise requires it.</p> </li></div> </div> </div> <div class="reference parbase section"><div class="cq-dd-paragraph"><div class="global_terms_conditi global-terms-conditions"> <li><p>Conditions, Criteria and Fees Apply. You should obtain and consider the relevant Product Disclosure Statement (PDS), <a href="/important-information/terms-and-conditions">terms and conditions</a> and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. Full <a></a><a href="/important-information/terms-and-conditions">terms and conditions</a> are available online or at any <a></a><a href="/help-and-support/find-a-branch">Bank of Queensland branch</a>. </p> </li></div> </div> </div> </div> </ol> </div> </li> </ul> </section> </div> </div></div>   <div class="contact-bar section"> <section class="cm-contact-bar"> <div class="feature-image" style="background-image:url('')"> <span class="vh"></span> <div class="feature-image-overlay"> </div> </div> <div class="l-padding"> <div class="content cf"> <h3>We're here to help.</h3> <ul class="cf"> <li> <a href="tel:1300%2055%2072%2072" class="cf" target="_self">  <img src="/content/dam/boq/images/icons/icon-contact-phone.svg"/> <span class="title"> <span class="AVANSERnumber">1300 55 72 72</span> </span> <span class="link">Call our Customer Contact Centre</span> </a> </li> <li> <a href="/contact-us" class="cf" target="_self">  <img src="/content/dam/boq/images/icons/icon-contact-mail.svg"/> <span class="title"> <span>Email us</span> </span> <span class="link">Get in touch</span> </a> </li> <li> <a href="/help-and-support/find-a-branch" class="cf" target="_self">  <img src="/content/dam/boq/images/icons/icon-contact-location.svg"/> <span class="title"> <span>Locate us</span> </span> <span class="link">Find a branch or ATM</span> </a> </li> </ul> </div> </div> </section></div> <div class="section"><div class="new"></div> </div><div class="iparys_inherited"><div class="contact-bar iparsys parsys"></div> </div>  </div>   <footer class="global-footer" role="contentinfo">  <div class="l-padding"> <span class="vh">Site footer</span> <nav> <ul class="nav-footer has-4-items">   <li> <span><div class="h2"> <a href="/About-us">About Us</a> </div></span> <ul> <li> <a href="/About-us/company-overview">Company overview</a> </li> <li> <a href="/About-us/media-centre">Media centre</a> </li> <li> <a href="/About-us/careers">Careers</a> </li> </ul> </li> <li> <span><div class="h2"> <a href="/Shareholder-centre">Shareholder Centre</a> </div></span> <ul> <li> <a href="/Shareholder-centre/my-shareholding">My shareholding</a> </li> <li> <a href="/About-us/media-centre/asx-announcements">ASX announcements</a> </li> <li> <a href="/Shareholder-centre/financial-information">Financial information</a> </li> <li> <a href="/Shareholder-centre/sustainability">Sustainability</a> </li> </ul> </li> <li> <span><div class="h2"> <a href="/help-and-support">Help & Support</a> </div></span> <ul> <li> <a href="/contact-us">Contact us</a> </li> <li> <a href="/help-and-support/find-a-branch">Find a branch or ATM</a> </li> <li> <a href="/important-information">Important information</a> </li> <li> <a href="/help-and-support/faqs">FAQs</a> </li> </ul> </li> <li class="nav-footer-social link-icons-disabled"> <span></span> <ul> <li> <a href="https://www.facebook.com/BOQOnline/" target="_blank" title="Facebook"><span class="icon svg-social-facebook-white" data-grunticon-embed></span></a> </li> <li> <a href="https://x.com/BOQ" target="_blank" title="Twitter"><span class="icon svg-social-twitter-white" data-grunticon-embed></span></a> </li> <li> <a href="https://au.linkedin.com/company/bank-of-queensland" target="_blank" title="LinkedIn"><span class="icon svg-social-linkedin-white" data-grunticon-embed></span></a> </li> <li> <a href="https://www.youtube.com/user/BOQOnline" target="_blank" title="Youtube"><span class="icon svg-social-youtube-white" data-grunticon-embed></span></a> </li> <li> <a href="https://www.instagram.com/bankofqueensland/" target="_blank" title="Instagram"><span class="icon svg-social-instagram-white" data-grunticon-embed></span></a> </li> <li> <a href="https://www.boq.com.au/blog" target="_blank" title="Blog"><span class="icon svg-social-blog-white" data-grunticon-embed></span></a> </li> </ul> </li> </ul> </nav> <p>© 2025 Bank of Queensland Limited ABN 32 009 656 740 (BOQ) AFSL and Australian Credit Licence No 244616. | Registered Address: Level 3, 100 Skyring Terrace, Newstead, Queensland 4006.</p> <p>BOQ Group acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the land where we live and work. 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