BOQ SpecialistHome Loan Banking Package
More than just a home loan, the package allows you to manage your finances in one place with the help of a dedicated financial specialist. It combines a home loan with a credit card and an everyday bank account
At a glance
- Variable (owner occ. P&I)
- 10.12%10.58% comparison
- Variable (investor P&I)
- 10.77%
- Max LVR
- 90%
- Annual fee
- $495
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 10.12% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 104th lowest of 104 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 10.77% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 104th lowest of 104 |
Rates
Every rate BOQ Specialist publishes for this home loan, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | ≤90% LVR | 11.15% | 11.61% | - |
| Variable | Investment, P&I | - | ≤90% LVR | 10.77% | 11.23% | - |
| Variable | Owner occupied, Interest only | - | ≤90% LVR | 10.66% | 11.12% | - |
| Variable | Owner occupied, P&I | - | ≤90% LVR | 10.12% | 10.58% | - |
Rate changes
8 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 6 Nov 2026 | Variable, Investment, Interest only, ≤90% LVR | 10.90% | 11.15% | up 0.25 |
| 6 Nov 2026 | Variable, Investment, P&I, ≤90% LVR | 10.52% | 10.77% | up 0.25 |
| 6 Nov 2026 | Variable, Owner occupied, Interest only, ≤90% LVR | 10.41% | 10.66% | up 0.25 |
| 6 Nov 2026 | Variable, Owner occupied, P&I, ≤90% LVR | 9.87% | 10.12% | up 0.25 |
| 3 Oct 2026 | Variable, Investment, Interest only, ≤90% LVR | 10.65% | 10.90% | up 0.25 |
| 3 Oct 2026 | Variable, Investment, P&I, ≤90% LVR | 10.27% | 10.52% | up 0.25 |
| 3 Oct 2026 | Variable, Owner occupied, Interest only, ≤90% LVR | 10.16% | 10.41% | up 0.25 |
| 3 Oct 2026 | Variable, Owner occupied, P&I, ≤90% LVR | 9.62% | 9.87% | 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
One fee published, grouped by when they're charged.
While you hold it1
- Annual Fee$495 a year
Features
- Choose between a variable or a fixed rate home loan
- Up to 5 loans in the one package, to easily manage your finances in one location
- Everyday banking with the One Account, featuring a favourable interest rate on credit balances in your account, and an optional overdraft should you need it
- Borrow up to 90% LVR with no LMI
- Individuals, Companies and Trusts
- A Platinum credit card that comes with premium rewards and benefits
- Optional offset transaction account with the variable rate home loan to reduce interest payments
Eligibility and limits
- Minimum age 18
- Residency: Resident or Citizen
- Maximum LVR 90%
- Product is offered to medical, dental ,veterinary & accounting professionals only
Compare it with others
Put this product through a calculator
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.