A smarter home gives you options

Smart households choose a smarter home loan. Built by experts, our home loan does more than just turn on the lights with 2.99% p.a. interest on a three year fixed rate* and 4.00% p.a interest comparison rate** for principal and interest, owner occupied home loans until 30 November 2019.

At BOQ Specialist, we believe a smarter home gives you options. That’s why our Banking Package offers more than just a home loan, combining a range of great features including:

A Platinum credit card with premium rewards and benefits;

An everyday transactional account (One Account) which earns a favourable rate of interest on credit balances in your account;#

Up to five loan accounts in the one package, so you can easily manage your finances in one facility; and

Ability to set up Company and Trust borrowing structures.

Plus, a chance to win a Smart Home prize pack worth up to $5 000 when you settle a home loan with us before 24 November 2019.^

Important information

The issuer of these products and services is BOQ Specialist - a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence no. 244616 (“BOQ Specialist”). Terms and conditions, fees and charges and eligibility criteria apply. All BOQ Specialist Banking Package benefits are subject to the BOQ Specialist Banking Package Terms and Conditions and relevant product terms and conditions referred to therein. We reserve the right to cease offering these products at any time without notice. You should obtain and consider the Terms and Conditions before making any decision about whether to acquire the product. View the BOQ Specialist Privacy Policy by clicking here. Any information is of a general nature only. We have not taken into account your objectives, financial situation, or needs when preparing it. Before acting on this information you should consider if it is appropriate for your situation. BOQ Specialist is not offering financial, tax or legal advice. You should obtain independent financial, tax and legal advice as appropriate.

Eligibility criteria applies.

These offers are exclusively available for clients deemed by BOQ Specialist in its sole discretion, to be engaged in the practice of accounting and medicine, dentistry and veterinary sciences. This offer is available for applications received from 26 August 2019. Maximum LVR up to 80%. Not available for Interest Only lending. Not available for the refinance or restructure of existing BOQ Specialist loans, construction home loans or self-managed super fund loans. This offer is only available for new funds to bank and not available for re-finance.

*These rates are indicative rates as at 26 August 2019, minimum loan size $500 000, on an 80% Loan to Value Ratio (LVR). Must be an owner occupied property loan on a principal and interest loan structure. This special rate offer is subject to money market movements and can change without notification. If the rate does change, BOQ Specialist will offer you the most current special rate offer. To be eligible for our exclusive rates offer you need to lodge your application before 30 November 2019 and loan must settle on or before 21 December 2019. This offer is only available for new to bank clients and not refinances from BOQ and Virgin Money. This offer is exclusive and only available through your direct BOQ Specialist office.

**Comparison rates are calculated on the basis of secured credit of $150 000 over a 25 year term on an 80% Loan to Value Ratio (LVR). WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

#See the One Account terms and conditions here.

^The BOQ Specialist 2019 Spring Home Buying Competition is promoted by BOQ Specialist - a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian credit licence no. 244616 ("BOQ Specialist") Level 22, The Chifley Tower, 2 Chifley Square, Sydney NSW 2000. The competition runs from 4 September 2019 to 24 November 2019. Entrants are eligible to win one Smart Home Prize Pack valued at $5 658 (AUD) (current at 2 September 2019). To enter, participants must complete settlement of their BOQ Specialist residential home loan by 24 November 2019. The winner will be drawn at 5:00pm AEST on 29 November 2019 at BOQ Specialist, Level 21, The Chifley Tower, 2 Chifley Square, Sydney NSW 2000. The Winner will be notified by telephone and email by 6 December 2019 and advertised in The Australian on 13 December 2019. By entering into this competition, you consent to the use of your personal information as described in the full terms and conditions found here. Promotions are not available in conjunction with any other offer. Authorised under permit numbers NSW: LTPS/19/37752, ACT: ACT TP 19/04117 and SA: T19/1494.