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BOQ Specialist

Every product BOQ Specialist publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 6 Nov 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with ME Bank and Virgin Money under the same banking licence. Who shares a cap
  • Australian credit licence and AFS licence 244616, held by Bank of Queensland Limited; credit licence since 29 June 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
Passed on in fullBOQ Specialist lifted its variable home loan rates by 0.25 percentage points from 6 Nov 2026, passing on the RBA's 4 Nov 2026 rise in full.

18 products in 7 categories

  1. Business loans7
  2. Savings & transaction accounts4
  3. Home loans3
  4. Term deposits1
  5. Credit cards1
  6. Personal loans1
  7. Overdrafts1

BOQ Specialist's rates today

BOQ Specialist's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.

Where BOQ Specialist sits among every institution's best

BOQ Specialist 8.52%Everyone else, 104 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateBOQ SpecialistBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR8.52%Basic Home Loan5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
Savings accountBase plus any bonus, when its conditions are met4.00%32 Day Notice Account5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term5.35%Term Deposit5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Credit card purchase rateOngoing purchase rate, not introductory offers20.50%Signature Visa Credit Card7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions
Business savings accountEach institution's best interest-paying business account, base plus any bonus0.10%One Account for Business5.40%Great Southern Bank Business+'s Business+ Saver0.55%of 34 institutions

BOQ Specialist home loan repayments

Repayments at BOQ Specialist's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.

Loan amount
$600,000
Loan term
30 yrs
The $600,000 you borrowInterest over 30 years
  1. VariableBasic Home Loan
    8.52%8.70% comparison
    $4,622a month

    $1,063,916 in interest, $1,663,916 repaid in all

  2. Investor variableBasic Home Loan
    8.59%8.77% comparison
    $4,652a month

    $1,074,650 in interest, $1,674,650 repaid in all

Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not BOQ Specialist's own calculator: confirm the rate with BOQ Specialist before you apply.

BOQ Specialist home loan rates

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3 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 8.52%, with a comparison rate of 8.70%, on its Basic Home Loan: 102nd lowest of 104 lenders.

BOQ Specialist savings and transaction account rates

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4 products

Its highest savings rate is 4.00%, on its 32 Day Notice Account: 51st highest of 84 institutions.

BOQ Specialist term deposit rates

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1 product

Its highest 12-month term deposit rate is 5.35%, on its Term Deposit: 18th highest of 65 institutions, level with 9 others.

RateBOQ SpecialistBest anywhereTypical institution
12-month term depositBest rate for 12 months5.35%Term Deposit5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years3.50%Term Deposit5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions
3-year term depositBest rate for 3 years3.50%Term Deposit5.60%Judo Bank's Personal Term Deposits4.25%of 44 institutions
5-year term depositBest rate for 5 years3.50%Term Deposit5.65%Judo Bank's Personal Term Deposits4.00%of 27 institutions

BOQ Specialist credit card rates

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1 product

Its lowest credit card purchase rate is 20.50%, on its Signature Visa Credit Card: 47th lowest of 51 card issuers.

BOQ Specialist personal loan rates

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1 product

BOQ Specialist business loan rates

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7 products

BOQ Specialist overdraft rates

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1 product

Its lowest advertised overdraft rate is 9.10% variable, on its Overdrafts: 10th lowest of 23 lenders.

Rate changes since 18 Sept 2026How every lender responded

Has BOQ Specialist passed on the RBA's November 2026 rate rise?

BOQ Specialist lifted its variable home loan rates by 0.25 percentage points from 6 Nov 2026, passing on the RBA's 4 Nov 2026 rise in full.

Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.

  1. Fri 6 Nov

  2. Thu 29 Oct

    • BOQ Specialist lifted 3 term deposit rates by 0.05 percentage points.

      0.05

  3. Sat 10 Oct

  4. Sat 3 Oct

  5. Wed 23 Sep

    • BOQ Specialist lifted 4 term deposit rates by 0.05 to 0.20 percentage points.

      0.05 to 0.20

Withdrawn recently

  • Platinum Visa Credit CardCredit card, withdrawn 24 Oct 2026

Published by BOQ Specialist under the Consumer Data Right, last changed by them on 6 Nov 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.