You're up for a challenge,
but not when it comes to your banking.
After 25 years of working closely with professionals, we are keenly aware that there are just not enough hours in your day.
So we designed a banking package that works just as well for your personal life as it does for your business life. It combines a home loan with a credit card and a flexible, everyday account that accrues interest at a favourable rate on credit balances in your account.
All for one annual fee of $395.
The package also includes an optional offset account on variable loans to reduce the interest repayments you make on your mortgage and the convenience of an optional overdraft facility.
Wherever you are on the property ladder, we have a home loan to meet your needs.
If you’re a first time buyer, a home owner looking to upgrade, a property investor, or even if you’re buying as a company or trust, you could receive a discounted interest rate depending on the size and type of your loan. You can even borrow over 80% LVR without paying Lender’s Mortgage Insurance.
You can reduce the interest payable even further by taking up the option of an offset account on variable loans. This is a fully transactional account with overdraft facilities but offers the added benefit that any credit balance in the account can be offset daily against your home loan balance.
We’ll let you establish five separate loan accounts and bundle the cost of the initial property valuations. As part of the annual fee, we will cover up to $1 100 in valuation fees over the life of the package and you will avoid paying multiple loan establishment fees.
As part of the Banking Package, you’ll receive our Platinum credit card for no annual fee, giving you access to premium rewards and benefits including uncapped airline reward points, travel insurance and access to Visa concierge and entertainment services. Choose between Qantas Frequent Flyer and Velocity Frequent Flyer and be rewarded on everyday purchases. With the BOQ Specialist Platinum card, you’ll earn:
1 point for every $2 spent on eligible purchases in Australia
1 point for every $1 spent on eligible international purchases
You can have up to 8 additional credit cards all linked to the same account at no extra cost, allowing you to take control of your financial expenditure. What’s more, the money you spend on these additional cards is split-out in one monthly statement. You can also upgrade to our Signature card for an extra $250 p.a. and receive;
1 point for every $1 spent on eligible purchases in Australia up to 10 000 points per
month and 0.625 points per $1 thereafter
1.5 points for every $1 spent on eligible international purchases
Our One Account provides you with flexibility to manage your expenses and your cash flow. With the One Account, you can earn interest on credit balances at a favourable rate, there is no minimum balance required, and you can apply for an overdraft should you need it.
The account comes with a Visa debit card which you can use to shop online, in store or overseas. You will receive 5 complimentary ATM withdrawals every month at BOQ, CBA, Westpac, St George, NAB and ANZ branded ATMs. Thereafter, ATM owner fees apply.
The credit provider and issuer of these products and services is BOQ Specialist. Terms and conditions, fees and charges and lending 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. 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. You should obtain and consider the Terms and Conditions before making any decision about whether to acquire the product. BOQ Specialist is not offering financial, tax or legal advice. You should obtain independent financial, tax and legal advice as appropriate.
Membership, the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions available at qantas.com/terms. Qantas Points are earned in accordance with the BOQ Specialist Qantas Rewards Program Terms and Conditions. Qantas Points and bonus Qantas Points are earned on eligible transactions only. You must be a member of the Qantas Frequent Flyer program in order to earn and redeemQantas points. See definition of Eligible Transaction in the BOQ Specialist Qantas Rewards Program Terms and Conditions. BOQ Specialist recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities.
To earn and redeem Velocity Points you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com, as amended from time to time. See definition of Eligible Transactions in the BOQ Specialist Velocity Rewards Program Terms and Conditions.
BOQ Specialist card insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE). BOQ Specialist has entered into master policies for the benefit of cardholders. Terms, conditions, exclusions, limits and eligibility criteria apply to insurances. For each complimentary insurance policy you are eligible for, please ensure you take the time to review the full Insurance Terms and Conditions. When you do, make sure you pay special attention to the benefits, eligibility and exclusions. It is particularly important to do this before travelling or purchasing goods as your cover may not be sufficient for your personal circumstances.
ACE Insurance Limited will be renamed Chubb Insurance Australia Limited on 1 November 2016 (subject to regulatory approval). All AFSL, ABN, ACN and contact details for ACE Insurance Limited will remain the same after the change of name takes effect