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A great rate. A fresh start.

Upgrade your equipment or fit-out with rates as low as 2.49% p.a.*^

With the end of 2021 fast approaching, we’re all feeling ready for a fresh start. That’s why, we’re offering some great fixed interest rates for new equipment and fit-out purchases financed with us before 31 January 2022.*^

With Government support through the SME Recovery Loan Scheme and rates as low as these, there’s never been a better time to upgrade your equipment or fit-out and set your practice up for the new year ahead.

If you finance your new equipment or fit-out purchase via a BOQ Specialist chattel mortgage which settles before 31 January 2022, you can take advantage of our low fixed interest rates as below.


SME Recovery Loan



4 year fixed term*^



5 year fixed term*^

We also have competitive non-SME Recovery Loan rates for all your equipment and fit-out finance needs.

The above displayed rates are only available for loans under the SME Recovery Loan Scheme.

So, if you're looking to upgrade your equipment or fit-out and start afresh with some great rates, now is the time.  To find out more, contact your dedicated financial specialist or send us an enquiry.  


Enquire now

Our equipment finance features
  • Borrow up to $150,000 with minimal paperwork required
  • Choose from low-start, upfront or stepped up repayments to suit your cash flow needs
  • Flexible fixed and variable terms of up to seven years
  • Competitive interest rates
  • Equipment can be purchased on our BOQ Specialist credit card, allowing you to earn reward points on both the cost of the equipment as well as the repayments~
Our fit-out finance features
  • Ability to consolidate finance for all of the practice assets (including fixtures, fittings and equipment) into one agreement
  • Flexible fixed and variable terms of up to seven years
  • Our escrow facility is available during the fit-out process to manage payments across various suppliers and tradespeople
  • A dedicated financial specialist manages the facility and payments of supplier invoices on your behalf, and you pay the total amount back in one simple repayment structure
  • Repayment structures tailored to suit your cash flow needs, including low start-up repayments
  • Option of no repayments during the draw-down stage to free up cash flow
SME Recovery Loan eligibility

Small to medium businesses and not-for-profit organisations who meet the following requirements are eligible to apply for our SME recovery loan:

  • Are existing or new to bank borrowers, including self-employed and not-for-profit; and
  • Are carrying on a business, or be a not-for-profit organisation, and have a valid registered ABN; and
  • Have an annual business turnover less than $250m in the 2019-2020 financial year and likely to be less than $250m in the 2020-21 and 2021-22 financial years; and
  • Have been adversely economically affected by the Coronavirus pandemic; or
  • Have been adversely economically affected by the flooding in March 2021 and be a business located or operating in the relevant flood-affected Local Government Areas (LGAs).

Loan must be approved and loan documentation (including borrowing declaration) signed and returned to BOQ  Specialist by 31 December 2021.


  • Important Information

      *Subject to credit approval. 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 lending and eligibility criteria apply. 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 relevant terms and conditions from 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. We reserve the right to cease offering these products at any time without notice.

      ^This offer is available exclusively to medical, dental, veterinary and accounting professionals.  Equipment or fit-out purchase must be financed via a chattel mortgage with fixed terms equal to or greater than 48 months. The above fixed interest rates are only available for loans under the SME Recovery Loan Scheme. Signed loan documentation must be received by 31 December 2021, with settlement completed by 31 January 2022. Not available for leases, rental purchases, internal refinances, escrows, residual/balloon refinances, residential or commercial property and goodwill loans. A full documentation fee of $495 applies. This offer expires on 31 January 2022 and is subject to change without notice at the discretion of BOQ Specialist. This offer cannot be taken in conjunction with or in addition to any other packages, negotiated interest rates or special offers. Information is current as at 1 November 2021.

      ~ A 1.5% processing fee applies on the purchase price. Points are earned on eligible purchases only. Fixed term finance contract is to be approved prior to purchase. If you elect to make loan repayments on your BOQ Specialist credit card a 1.5% processing fee applies on the amount of each repayment. Repayments on overdrafts and lines of credit are not available to be made via BOQ Specialist credit card.

      You should seek independent tax and accounting advice on the implications (including fringe benefits tax, goods and services tax and income tax) of your chosen finance option and earning (and subsequently redeeming) reward points on your equipment purchases with a BOQ Specialist credit card.