The Finance Algorithm

Live · as of todayRBA Cash Rate4.35%Held since May 26AUD/USD0.7045-1.05% dayASX 2008,765.3+0.38% dayFixed 3yr (avg)6.74%owner-occ, banksVariable (avg)6.80%owner-occ, discountedMedian Sydney$1.61M▼ 0.4% qtrMedian Melbourne$920k▼ 0.8% qtrSuper (Balanced, FY25-26)+9.4%median · SuperRatingsBTC/AUD$119,786-0.9% 24h10yr Gov Bond5.35%▼ 0.06Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%Unemployment4.5%▲ 3-yr highRBA Cash Rate4.35%Held since May 26AUD/USD0.7045-1.05% dayASX 2008,765.3+0.38% dayFixed 3yr (avg)6.74%owner-occ, banksVariable (avg)6.80%owner-occ, discountedMedian Sydney$1.61M▼ 0.4% qtrMedian Melbourne$920k▼ 0.8% qtrSuper (Balanced, FY25-26)+9.4%median · SuperRatingsBTC/AUD$119,786-0.9% 24h10yr Gov Bond5.35%▼ 0.06Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%Unemployment4.5%▲ 3-yr high

19 products · 7 categories · changed 23 Sept 2026

BOQ Specialist.

Business loans 7 Credit cards 2 Overdrafts 1 Personal loans 1 Home loans 3 Term deposits 1 Savings & transaction accounts 4

Business loans · 7Compare across banks →

BOQS Market Rate Loanon application

Pricing: Rates on application
Loan size: $50,000 to no maximum
Upfront fee: $900

Commercial Property Loanon application

Pricing: Rates on application
Variable: 8.60%
Monthly fee: $25

Construction Loanon application

Pricing: Rates on application
Variable: 10.70%
Monthly fee: $20

Equipment Financeon application

Pricing: Rates on application
Monthly fee: $25

Fit Out Financeon application

Pricing: Rates on application
Variable: 10.70%
Monthly fee: $25

Goodwill (Practice Purchase Loan)on application

Pricing: Rates on application
Variable: 8.60%
Monthly fee: $25

Motor Vehicle Financeon application

Pricing: Rates on application
Monthly fee: $25

Credit cards · 2Compare across banks →

Platinum Visa Credit Card

Purchase rate: 13.99%
Cash advance: 13.99%
Annual fee: $0

Signature Visa Credit Card

Purchase rate: 20.50%
Cash advance: 20.50%
Annual fee: $400

Overdrafts · 1Compare across banks →

Variable: 8.60%
Upfront fee: $495

Personal loans · 1Compare across banks →

Pricing: Rates on application
Upfront fee: $395
Monthly fee: $25

Home loans · 3Compare across banks →

Basic Home Loan

Variable (owner occ. P&I): 8.02% · 8.20% comparison
Variable (investor P&I): 8.09%
Max LVR: 90%

Home Loan Banking Package

Variable (owner occ. P&I): 9.62% · 10.09% comparison
Variable (investor P&I): 10.27%
Max LVR: 90%

Variable (owner occ. P&I): 9.44%
Variable (investor P&I): 9.98%

Term deposits · 1Compare across banks →

Best rate: 5.30% for 12m
12 months: 5.30%
Min deposit: $1,000

Savings & transaction accounts · 4Compare across banks →

32 Day Notice Account

Base rate: 3.75%
Intro rate: 0.95% for 5 mo

Base rate: 0.10%

One Account for Business

Base rate: 0.10%

Private Access Account

Base rate: 3.25%

Published by BOQ Specialist under the Consumer Data Right, last changed by them on 23 Sept 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.

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