RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  

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  Billions Capital [ FINANCE SPECIALISTS ]

Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

  Overdrafts

The overdraft facility is an optional feature of the BOQ Specialist One account. The facility can help you to manage your cash flow, particularly when paying for practice expenses. It can give you an unsecured line of credit and you don't have to use your personal property as security. You only pay interest on what you use, not on the entire credit limit.
Category: Overdrafts  Last Updated October 1, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information
Interest Rate
7.85% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions..

Product Features

  • Overdraft Additional Information: Optional overdraft with a secured or unsecured line of credit.
  • Other Additional Information: Integration with accounting software such as MYOB, Xero and Banklink, allowing you to easily manage your practice cash flow.
  • Other Additional Information: Only pay interest on what you use, not the entire amount. No set repayments, you only pay interest on the funds you have used, there are no charges on any credit you don't use
  • Other Additional Information: Interest Only payments with terms up to 30 years
  • Other Additional Information: Access to additional money to use as and when you need it. Additional funds can be accessed like you normally would - by withdrawing cash at ATMs and making purchases using your BOQ Specialist debit card. You can also continue to transfer from your account through internet banking and the BOQ Specialist mobile banking app.
  • Other Additional Information: Earn a competitive rate of interest on account credit balances.
  • Other Additional Information: For a secured line of credit, you could access up to $100,000, and for an unsecured line of credit, you could access up to $500,000 without using your personal property as security.

Product Eligibility

  • Residency Status - Resident Or Citizen.
  • Min Age - 18.
  • Other Additional Information: Exclusively available to medical professionals and accountants

Bank Fees and Charges

  • Optional Overdraft Facility Application Fee (Upfront), Amount: 495.0000. Additional Information: If your Overdraft is approved and established, the Application Fee will be debited from your Account

Document Downloads

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    Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
    BM FHB Guide, May 2025
    Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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