BOQ SpecialistFit Out Finance
You've rented or purchased premises for your practice and now you need to fit it out with fixtures and fittings to make it look professional. We know it's a complex task, with all sorts of hidden pitfalls and unforeseen costs that can be exacerbated by restrictions of the finance you've arranged. We make it easy with a flexible escrow facility which covers everything - and we mean everything, from dry walling right down to carpets, windows, paint and plumbing. We manage the payments to suppliers under your instruction and you pay the total amount back in one simple repayment structure. Fit-outs are a large investment in your practice and while it's important that you choose the right assets and equipment, it's equally important that you choose the right kind of financing.
At a glance
- Pricing
- Rates on application
- Variable
- 11.20%
- Monthly fee
- $25
Rates
The one rate BOQ Specialist publishes for this business loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Interest only | - | - | 11.20% | - | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 6 Nov 2026 | Variable, Interest only | 10.95% | 11.20% | up 0.25 |
| 3 Oct 2026 | Variable, Interest only | 10.70% | 10.95% | up 0.25 |
Each change is logged the night it appears in the rates BOQ Specialist publishes. See how every lender answered the RBA on the rate tracker.
Fees
16 fees published, grouped by when they're charged.
- When you take it outVariesDocumentation or Establishment Fee
- While you hold it$25 a monthMonthly Account Keeping Fee
- When you close it or pay it offVaries2 fees, each listed below
When you take it out1
- Documentation or Establishment Fee
Charged for set up of the Facility
Varies
While you hold it1
- Monthly Account Keeping Fee$25 a month
When you make a transaction2
- Direct Debit Processing Fee
Charged for each time a direct debit is received from you
Varies - SWIFT Fee
Charged if sending payment via SWIFT
$30
If a payment is late or fails1
- Payment Dishonour Fee
Charged each time a cheque or payment made by you is dishonoured
$15
When particular things happen9
- Bank Cheque Fee
Charged if sending payment via Bank Cheque (per bank cheque)
$10 - Escrow Services Fee
An escrow services fee is payable at the end of each escrow agreement you make with us.
Varies - Settlement Cancellation Fee
Charged if a booked settlement does not proceed
$150 - Application Reassessment Fee
Charged when an application is reassessed
$250 - Break Costs
Payable if an agreement is terminated before expiration of the term of that agreement
Varies - Consent to lease Fee
Charged when a consent to registration of lease and production of Certificate of Title is required
$395 - Substitution/Assignment/Novation Fee
$450 plus any applicable External Costs
Varies - Trust Deed Review
Charged when a trust deed requires review
$220 - Variation Fee
$395 - $950. Charged for any variations made to the loan that need documentation
Varies
When you close it or pay it off2
- Discharge Fee
$150 (PPSR security) $250 (property) Charged each time a security is discharged (per security)
Varies - Termination Fee
Payable if an agreement is terminated before expiration of the term of that agreement
Varies
Features
- Flexible draw-down facility for payments during the fitout process
- Manage payments across various suppliers/trades people
- Flexible terms and repayment options including low startup repayments
- A range of fitout finance options including lease, hire purchase, rental or chattel mortgage
- Options of no repayments during the drawdown stage to free up cash flow
- Your dedicated financial specialist can manage the facility and payments of invoices to free up your time
Eligibility and limits
- Exclusively available to medical, dental, veterinary and accounting professionals
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Published by BOQ Specialist under the Consumer Data Right, last changed by them on 5 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.