BOQ Specialist
Commercial Property Loan
Own your practice premises with our commercial property loan and borrow up to 100% of the purchase price (subject to credit approval). At BOQ Specialist, we want to make buying your own practice premises as easy as possible. That's why our commercial property loans allow you to borrow up to 100% of the purchase price of your practice premises, with no Lender's Mortgage Insurance.
At a glance
- Pricing
- Rates on application
- Variable
- 8.60%
- Monthly fee
- $25
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | P&I | — | — | 8.60% | — | — |
§ 02 — Fees · 15
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Payment Dishonour Fee | Dishonour | $15 | — | Charged each time a cheque or payment made by you is dishonoured |
| Bank Cheque Fee | Event | $10 | — | Charged if sending payment via Bank Cheque (per bank cheque) |
| Escrow Services Fee | Event | Varies | — | An escrow services fee is payable at the end of each escrow agreement you make with us. |
| Settlement Cancellation Fee | Event | $150 | — | Charged if a booked settlement does not proceed |
| Break Costs | Exit | Varies | — | Payable if an agreement is terminated before expiration of the term of that agreement |
| Discharge Fee | Exit | Varies | — | $150 (PPSR security) $250 (property) Charged each time a security is discharged (per security) |
| Termination Fee | Exit | Varies | — | Payable if an agreement is terminated before expiration of the term of that agreement |
| SWIFT Fee | Payment | $30 | — | Charged if sending payment via SWIFT |
| Monthly Account Keeping Fee | Periodic | $25 | Every 1 mo | — |
| Documentation or Establishment Fee | Upfront | Varies | — | Charged for set up of the Facility |
| Application Reassessment Fee | Variation | $250 | — | Charged when an application is reassessed |
| Consent to lease Fee | Variation | $395 | — | Charged when a consent to registration of lease and production of Certificate of Title is required |
| Substitution/Assignment/Novation Fee | Variation | Varies | — | $450 plus any applicable External Costs |
| Trust Deed Review | Variation | $220 | — | Charged when a trust deed requires review |
| Variation Fee | Variation | Varies | — | $395 - $950. Charged for any variations made to the loan that need documentation |
§ 03 — Features
- · Make repayments with your BOQ Specialist credit card and earn reward points. (T&Cs apply)
- · Borrow up to 100% of the purchase price to buy your own practice premises or up to 80% of the purchase price for a commercial investment
- · Lending via SMSF have different borrowing criteria. Borrow up to 90% of the purchase price for owner-occupied practice premise
- · Competitive commercial property loan interest rates
- · No Lender's Mortgage Insurance
- · Fixed, variable and line of credit options to choose from
- · Flexible loan structures including interest-only for certain periods
- · Stand-alone financing linked to the property being financed
- · Construction loans for purpose-built practice premises (not in SMSF)
§ 04 — Eligibility & limits
- · Exclusively available to medical, dental, veterinary and accounting professionals
§ 05 — Compare
§ 06 — Run the numbers
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Published by BOQ Specialist under the Consumer Data Right, last changed by them on 7 May 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.