55 live products
Bank of Queensland
Best available rate
5.58%p.a.
Economy Variable Home Loan
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.73%
Offset
Not included
Redraw
Included
Finding the best rates…
Home Loans Comparison
Bank One
Bank of Queensland
Best available
From 5.58% p.a.
Line-up
55 live products
VS
Bank of Queensland vs Up
Compare Bank of Queensland and Up home loans in March 2026. Bank of Queensland offers rates from 5.58% p.a. across 55 products, while Up starts at 5.45% p.a. with 6 products. Up currently has the lower rate by 0.13%.
VS
6 live products
Up
Best available rate
5.45%p.a.
Up Home Loan (Variable)
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.45%
Offset
Included
Redraw
Included
Live edge
Up is lower on headline home loan rate by 0.13%, which is roughly $54 per month on a $500,000 loan.
0.13% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Bank of Queensland | Up |
|---|---|---|
| Interest rate | 5.58% | 5.45% |
| Comparison rate | 5.73% | 5.45% |
| Offset account | No | Yes |
| Redraw | Yes | Yes |
All Bank of Queensland Products
Every tracked home loans option from Bank of Queensland.
All Up Products
Every tracked home loans option from Up.
Bank of Queensland's lowest variable rate is 5.58% p.a. (comparison rate 5.73%) while Up starts at 5.45% p.a. (comparison rate 5.45%). Up is 0.13% lower, which saves approximately $54/month on a $500,000 loan.
Key features: Bank of Queensland includes redraw, Up includes offset, Up includes redraw.
Quick Comparison
| Feature | Bank of Queensland | Up |
|---|---|---|
| Interest Rate | 5.58% | 5.45% |
| Comparison Rate | 5.73% | 5.45% |
| Offset Account | No | Yes |
| Redraw Facility | Yes | Yes |
Common Questions
Bank of Queensland vs Up FAQs
Which bank has a lower home loan rate, Bank of Queensland or Up?
Up currently offers the lower variable rate at 5.45% p.a. compared to 5.58% p.a. Always check the comparison rate for a true cost picture.
Do Bank of Queensland and Up home loans have offset accounts?
Bank of Queensland does not include an offset account. Up offers an offset account.
What is Bank of Queensland's lowest home loan rate in 2026?
Bank of Queensland's lowest variable rate is 5.58% p.a. (comparison rate 5.73%) on the Economy Variable Home Loan.
What is Up's lowest home loan rate in 2026?
Up's lowest variable rate is 5.45% p.a. (comparison rate 5.45%) on the Up Home Loan (Variable).