BOQ SpecialistCommercial 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
- 9.10%
- Monthly fee
- $25
Rates
The one rate BOQ Specialist publishes for this business loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | P&I | - | - | 9.10% | - | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 6 Nov 2026 | Variable, P&I | 8.85% | 9.10% | up 0.25 |
| 3 Oct 2026 | Variable, P&I | 8.60% | 8.85% | 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
15 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 offVaries3 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 transaction1
- 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 happen8
- 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 - 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 off3
- Break Costs
Payable if an agreement is terminated before expiration of the term of that agreement
Varies - 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
- 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)
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.