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Take a look through our library of success stories from our clients across a wide range of professions including doctors, veterinarians, dentists, accountants, as well as students and graduates. Their stories offer inside tips, inspiration and knowledge about how you can grow your own business and personal finances. 

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Dr David Chettle wanted a practice that stood out from the crowd

Dr David Chettle wanted to offer something different with his new obstetrics practice in Toowoomba, focusing on what his patients need.

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Dr Prabhakar’s home loan made work easier

Buying a home closer to his place of work has made the life of Dr Prabhakar Ramachandran much easier and more enjoyable.

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Dr Julian Fidge and Ms Kim Ching on breaking out

A desire to provide great healthcare services led Dr Julian Fidge and Ms Kim Ching to build a practice to help residents in need.

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Dr Reza Issapour on building two thriving practices in a decade

Dr Reza Issapour and his wife Dr Mahkam Ghanbari immigrated to Australia a decade ago and own two thriving practices and their dream home in Brisbane.

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Dr Alice Rudd on opening a dermatology practice like no other

A gap in the market inspired dermatologist Dr Alice Rudd to open a holistic clinic that empowers patients to look after their skin for the long term.

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Dr Brian Todd on starting a regional practice

Following his degree, Bowen boy Dr Brian Todd found himself back in north Queensland. Only, now, he was a man with a plan: he wanted to open a state-of-the-art rural practice so locals could access the best optical care.

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Dr Kenric Smith has his dream profession but he was after his dream home

Navy GP Dr Kenric Smith found his dream home and a bank which delivers personalised service specifically for his profession.

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Dr Dominic Lee always wanted to set up a practice in the suburbs

Dr Dominic Lee has practised urology at some of the world’s leading institutions but chose suburban Sydney to set up his dream practice. And BOQ Specialist helped him do it.

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Dr Joo Teoh on being a High Achiever

With so many projects on the go—on top of his day job—it’s a wonder Dr Joo Teoh finds time to sleep.

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How Dr Rajesh Kanna built a cardiology testing service

Dr Rajesh Kanna could see the potential of starting a cardiology testing service. Two years later, he’s running four centres with more on the way.

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Dr Yin Min Hew is proof you should always ask questions

Dr Yin Min Hew never dreamt of owning a practice, but the right question at the right time, saw him buy the business he now owns.

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Kiran Puttappa on how more is more

He didn’t plan on it, but Perth General Practitioner Dr Kiran Puttappa has ended up with 13 practices. BOQ has been there from the start.

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How Allsports Physio grew from a local clinic to a big business

When a Queensland-based physiotherapy group was acquired by an ASX-listed company, BOQ Specialist was there to help.

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Dr Niall Jefferson as he opens the doors of his new practice

Dr Niall Jefferson’s medical career has taken him all over the world, but all roads eventually led to Newcastle where he set up his ENT practice.

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Starting a family-focused medical practice

Dr Michael Clem had a dream of opening his own medical practice. He turned to BOQ Specialist to make it happen.

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Eternal Women's Health is a vision brought to life

Eternal Women’s Health had a vision for a holistic women’s health centre in Hobart, their challenge was finding a way to bring it to life.

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Dr Robert Magotti’s path to the perfect Ultrasound clinic

Dr Robert Magotti is a man with a plan and the ultrasound clinic he has just opened is only the beginning.

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Dr Amir Akram’s one-stop shop for patients

Despite early hurdles, Dr Amir Akram’s vision for growing his practice into a one-stop shop for patients became a reality.

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Dr Ashish Chawla on setting up two clinics at once

Setting up two clinics at once might sound impossible to some, but not for Dr Ashish Chawla. With the help of BOQ Specialist Dr Chawla was able to successfully establish one radiology clinic while he bought another one.

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How Dr Tu Tran turned her vision into a full-service ophthalmology clinic

Eyes First, a specialist clinic in Springvale launched in April 2017, was the realisation of a big-picture vision for ophthalmologist Dr Tu Tran and her business-savvy husband Quoc Vo.

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How Dr Penny Lim started her own dermatology practice

When Dr Penny Lim wanted to start her own dermatology practice, her husband, Dr Lee-Tam Teo, decided to help.

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Fixing a home loan nightmare

When Dr Daniel Varma’s home loan fell through the day before settlement, he turned to BOQ Specialist to get the job done fast.

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How Dr Rohan Crouch built a specialist day surgery

A unique business opportunity for Dr Rohan Crouch has provided rural Victoria with a state-of-the-art day surgery.

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How Dr Dan Trevena bought a first home twice

Buying a first home is full of choices. House or apartment? City or country? Doctors Dan Trevena and Jacinta O’Neill found the perfect answer: choose both. The young couple realised their dream of a city crash pad and country retreat at the same time.

 

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How to buy an existing medical practice

When Dr Sushil Anand decided to buy an existing practice in Mackay, BOQ Specialist made the transition a smooth one.

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Dr Andrea Zalan and her unique practice for children and their families

Dr Andrea Zalan, a paediatrician and child psychiatrist, considered her patients' total wellbeing when building her dream practice.

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Buying a car and getting on the road again quickly

Dr Mark Ridhalgh needed to purchase a car before the end of the financial year. He made it happen, with BOQ Specialist's help.

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Growing the practice in a boom suburb

Dr Tim Diep fulfilled his dream of expanding his practice after 20 years working as a GP in the Sydney CBD.

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How Dr Jagadish Krishnan bought and built his practice

Dr Jagadish Krishnan’s dream of owning his own practice seemed unlikely. Today, he owns 10 practices across Perth.

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Gemma Cribb on relocating her practice

When a move to new psychology premises proved difficult for Gemma Cribb, she got help from BOQ Specialist.

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How Drs Matt and Vanessa Palmer started a new practice

Dermatologists Matt and Vanessa Palmer always dreamt of starting a new practice. But it happened earlier than they ever thought possible.

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Dr Bryan Pang on expanding a dermatology practice

Dr Bryan Pang has made a career and a dermatological empire out of making people feel better about themselves—one blemish at a time. And, with over 100, 000 patients accrued in just 20 years, Dr Pang isn’t showing signs of stopping any time soon.

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For Dr Richard Wood, expanding his practice meant evaluating his priorities

The technology and patient experience was of equal priority when Dr Richard Wood expanded his practice—and the results were worth it.

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Dr Shagun Aggarwal was already a successful plastic surgeon, now he's a business owner

Dr Shagun Aggarwal’s training made him a leading specialist plastic surgeon. Now, with BOQ Specialist's help, he's also a business owner.

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Ian Goodchild's piece of the pie

When an investment opportunity too good to resist came his way, Ian Goodchild was thrilled to get the financial help he needed.

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Dr Ben Carew started his own practice with dreams to expand

Like any medical professional, Dr Ben Carew has dreamed of starting his own practice. Not only does he now have a thriving dermatology practice in Brisbane, but he also has plans to expand.

 

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Creating the ideal cosmetic and dental surgery

For Sydney Cosmetic Sanctuary to be successful, Dr Rohit Kumar needed two things: his wife, Dr Nidhi Berera, to work with him, and the financial support of BOQ Specialist.

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A new kind of medical practice

A lifelong interest in making healthcare more responsive to patients led Dr Paul Tescher and Ms Chantelle Brott to build a unique practice. 

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Dr Jill Tomlinson knew it was time to branch out on her own

Demand for her specialist services compelled Dr Jill Tomlinson to find some rooms of her own, with help from BOQ Specialist.

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Merging medical services for better patient outcomes

From the start, rheumatologist Dr Irwin Lim was in no doubt as to the type of practice he wanted to lead. He didn't have to look far to find others willing to support his vision.

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Dr Nick Rennick on buying a new home 4000 kms away

For first-home buyers, taking the plunge can daunting. Especially if, like Dr Nick Rennick, you’re moving across the country. BOQ financial was there to help him find his feet and fund his first home stress-free.

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Dr Pratima Herle and Harry Rao have doubled their property portfolio

Dr Pratima Herle and Harry Rao have been able to double their property portfolio with the help of BOQ Specialist. 

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Dr Melvyn Kuan & Dr David Sofield turned the house next door into their practice

When two urologists purchased the house next door to their practice, they had grand plans to turn it into a purpose-built medical centre.

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Dr Anne Clark puts Fertility First

For a Sydney fertility specialist, her new premises has a unique aesthetic—this calming and contemporary practice acts as a cosy haven for anticipative patients.

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Growing a specialist urology practice

As repeat clients, Drs Shane La Bianca and Jeff Thavaseelan knew BOQ Specialist would be able to support the growth for their urology clinic, despite the size of the investment.

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Drs Steve Gilchrist and Louise Draper were able to finance their dream home

For doctors Steve Gilchrist and Louise Draper, finding a bank to finance their dream home was hard. Then they called BOQ Specialist. 

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Dr George Eskander, A Medical Odyssey

As a practising GP who is equal parts practitioner and academic, there are few areas of medicine Dr George Eskander has left untouched.

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Dr Shruti Kapila purchased her second practice in her SMSF

Cardiologist Dr Shruti Kapila describes the process of purchasing her second practice in her self-managed super fund (SMSF) as being 'impossible' if it weren't for the help of BOQ Specialist.

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From derelict pub to medical hub

When a GP moved to Launceston he soon saw the opportunity of converting an old pub into a sleek medical hub.

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Dr Anna Thomas-Mergler on opening a practice in her dream location

Dr Anna Thomas-Mergler loves living and working on North Stradbroke Island. Buying her own practice there was the icing on the cake.

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Finding the perfect country dental practice

Moving to the front line of Australia’s regional dental crisis has given dentist Dr Shayne Scott a place to call home. 

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Dr Nick Daley's fresh start for an old dental practice

The road to Dr Nick Daley’s dream dental practice was long and full of pot-holes. So, when Dr Daley finally found his perfect practice, he was determined to make his dream a reality.

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Dr Prashanth Dhanpal on finding a new life as a dentist in Australia

Dentist Dr Prashanth Dhanpal’s journey from India to Hong Kong and eventually Sydney, where he has established his own practice. 

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Dr Kathleen Walsh's dream of running her own country dental practice

When her youngest turned eight, Kathleen Walsh turned to BOQ Specialist to realise a dream of running her own country dental practice.

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Dr Vince Figliomeni and Dr Angela Pathmanathan opened a practice and found love

Vince Figliomeni and Angela Pathmanathan found themselves starting a dental practice and a life together at the same time, thanks in part to BOQ Specialist.

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The best home loan package

For husband-and-wife dentistry team Tarcilio and Silvia Cavalcante, keeping their practice afloat and finding the finance for a new home proved a challenge.

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How Dr Michael Tam built two dental practices

After moving away from his roots in North Sydney and building a successful dental practice on the other side of town, Dr Michael Tam returned and did it all again.

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Dr Marc Miller and Dr John Burgess

When plans were announced to revitalise their suburb, the dentists at Nundah Village Dental decided to get in on the ground floor—literally.

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Dr Lynette Wallace on building her practice from the ground up

Based in the NSW Southern Highlands, Dr Lynette Wallace has built her practice from the ground up with the support of BOQ Specialist.

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Dr Shreya Aggarwala on keeping focus

Dr Shreya Aggarwala’s practice is a result of a clear vision she has had for as long as she can remember.

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Dr Charlie Thompson on building a practice with his wife

Husband-and-wife dental team Dr Charlie Thompson and Dr Caroline Bowman built a practice together in country New South Wales. BOQ Specialist was there to help.

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Dr Teck Tang relocated from rural Australia to Blacktown

A passion for all things gum related took Dr Teck Tang from remote Australian areas to his own multi-disciplinary practice in Blacktown.

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Dentists Thuy and Tracey Le bought their first practice

Dentists Thuy and Tracy Le stopped leasing and bought their own practice with the help of BOQ Specialist. 

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How Dr Rachel Mascord and Dr Joanna Wyszynski became business partners

Mentorship turned into a dental practice partnership for Drs Rachel Mascord and Joanna Wyszynski, but they needed was a little help from BOQ Specialist to close the deal.

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Dr Garreth McBride on becoming a father and opening a new dental practice

Dr Garreth McBride became a father just two weeks before he opened The Good Dentist, his new dental practice.

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Dr Nick Palfreyman and Dr Peter Apostolopoulos on opening a specialist dentist clinic

Dr Nick Palfreyman and Dr Peter Apostolopoulos knew they wanted to open a specialist dental clinic in Ballarat, but they quickly realised the need for their services was much greater than originally planned.

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Growing the practice in a boom suburb

Linda Gao spent seven months transforming her level of business knowledge from ‘clueless’ to ‘confident’ in order to create a dental practice that is all about the patients.

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Dr Noori Al-Musawi and Dr Ann Al-Ali have started three practices globally

It’s daunting to start up a practice for the first time, but Noori Al-Musawi and Ann Al-Ali have started three practices in three different countries.

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Mixing business and family in a busy dental practice

Mixing business and family can be a rough road, but for husband and wife dentists Dr Lesley Moffat and Dr Marc Nalder, it’s a way of life—one that has seen the 20-somethings fast track their path to success. 

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Dr Sven Nalder has a flourishing business and family

Dr Sven Nalder found a dream home, and with help from BOQ Specialist, has found room for both his business and family to grow.

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How Dr Timothy Clipsham started a family dental practice

Dr Timothy Clipsham always knew he wanted to become a dentist. He also knew he one day wanted to open his own family dental practice.

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Personal banking kept all in the family

Having joined her family’s dental practice, Dr Rebecca McDermott followed suit in talking to a BOQ Specialist consultant for her personal banking.

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From a profession to an implant learning centre

When Associate Professor Dan Brener found the dental profession was lacking education for implant surgery, teaming up with BOQ Specialist helped him use his love of teaching to share his knowledge with others.

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Dr Sarah Varma on where smiles reign

After eight years honing her skills at a range of boutique clinics across Western Australia, dentist Sarah Varma made the leap to set up her own dental surgery.

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The benefits of running your own specialist dental practice

Dr Pantea Motearefi wanted to start her own specialist dental practice so she could offer the very finest care, and the very latest technology, to patients.

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Dr Sarah Dan's average day at work is a juggling act

Practising orthodontics across two states, overseeing a major practice refit and writing a book is all in a day’s work for Dr Sarah Dan.

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Dr Diane Tay realised her dream of helping children cope with fear

Dr Diane Tay’s dream was to help children with special needs cope with fear.

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Dr Sham Jamal's journey from practice partner to practice owner

Dr Sham Jamal’s new Gold Coast clinic gives patients access to revolutionary implant treatments. BOQ Specialist helped him bring the best to the table.

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Dr Sathie Naidoo on his dream practice in regional Victoria.

It wasn't always Dr Sathie Naidoo’s intention to practice family dentistry in regional Victoria—he started out studying engineering in South Africa.

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Dr Ken Chan took a risk and is reaping the rewards

Setting up his own dental practice in a larger than expected space was a risk that paid off for Dr Ken Chan.

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Drs Kent Farmer and Marcus Tod

Ethos Orthodontics grew to become Queensland’s largest orthodontics provider—and led to the opening of a clinic in Shanghai.

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Dr Daniel Kim's vision for starting the perfect practice

Working in a rage of clinics throughout NSW, Dr Kim quickly learnt what makes a good dental practice and it wasn’t long before he set out to make his vision a reality.

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Dr Dinesh Palipana overcame a challenging journey to pursue his passion

Not even an horrific car accident could stop Dr Dinesh Palipana from pursuing his passion for medicine, but it has been a challenging journey.

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Future Focus: Sunjuri Sun

Sunjuri Sun, a fourth year medical student, was a recipient of our FutureFocus grant for 2017. Read about her overseas placement in Kathmandu, Nepal.

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Future Focus: Jameson Trainor

Jameson Trainor, a second year medical student, was a recipient of our FutureFocus grant for 2019. Read about his overseas placement in Ghizo, Solomon Islands.

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Future Focus: Riashad Monjur

Riashad Monjur, a third year medical student, from the University of Newcastle was a recipient of our FutureFocus grant for 2018. Read about his overseas placement in Dhaka, Bangladesh.

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Future Focus: Masoud Nasir

Masoud ‘Mass’ Nasir, a final year dental student, was a recipient of our FutureFocus grant for 2017. Read about his overseas placement in Latouka, Fiji.

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Future Focus: Hamish Newman

Hamish Newman, a third year medical student, was a recipient of our FutureFocus grant for 2019. Read about his overseas placement in Nepal

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Future Focus: Sidonie Matthew

Sidonie Matthew, a fourth year medical student, was a recipient of our FutureFocus grant for 2019. Read about her overseas placement in Ethiopia

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Future Focus: Richard Huynh

Richard Huynh, a third year dental student, from the University of Queensland was a recipient of our FutureFocus grant for 2018. Read about his overseas placement in Vietnam.

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Financial help at the end of your dental degree

Final-year dentistry student Nathaniel Nowicki has a multi-layered relationship with BOQ Specialist that has only become more valuable as he nears graduation and a new career. 

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Future Focus: Cassandra Collyer

Third year medical student from the University of Western Australia, Cassandra Collyer, undertook her overseas placement working at St Augustine's Hospital in a remote, rural area of North-Eastern Tanzania.

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Future Focus: Brenton Wilson

Brenton Wilson, a final year dental student, was a recipient of our FutureFocus grant for 2019. Read about his overseas placement in Malaita, Solomon Islands.

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Future Focus: Jessica Cusumano

Jessica Cusumano, a final year medical student, was a recipient of our FutureFocus grant for 2019. Read about her overseas placement in Panama.

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Future Focus: Caroline Lee

Fifth-year UNSW medical student Caroline Lee was one of our FutureFocus recipients in 2018 and travelled to Myanmar to undertake a placement with Medical Action Myanmar

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Future Focus: Tessa Jensen

Fifth-year dental student from University of Adelaide, Tessa Jensen, was a recpient of our FutureFocus grant in 2018 and travelled to Nepal for her voluntary placement, working at Manipal Teaching Hospital.

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Future Focus: Diana Hancock

Diana Hancock, a second year medical student from Flinders University in Adelaide, was one of the five recipients of our FutureFocus grant for 2017. Read all about Diana's experience in Uganda.

 

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Dr Geoff Wilson on his animal adventures

Record-breaking adventurer Dr Geoff Wilson opened his own chain of veterinary practices, Vet Love.

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Dr Tom Robbins has multiple keys to success when it comes to his vet clinic

Communication and compassion—and a great location—are key to the success of Dr Tom Robbins’ new veterinary clinic.

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Dr Brett Boling moved from a mobile vet practice to practice purchase

Dr Brett Boling was happy running a mobile clinic in Adelaide, South Australia, until he realised the potential of starting a more permanent practice.

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Dr Karina Graham and Dr Andrew Levien

A few hurdles had to be cleared first before Dr Karina Graham and Dr Andrew Levien were ready to open their own veterinary specialist hospital.

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Dr Greg Mahon's patient wait for a practice

After eyeing off the ideal commercial space for more than a decade, veterinarian Dr Greg Mahon is now finally calling it home.

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Setting up My Local Vet

When two veterinarians decided to set up their own practice, personal service was at the forefront of their business plan. They just needed a bit of help.

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Buying your own veterinary practice

A shared vision for Drs Lewis Hunt and Caroline Wood saw the young vets purchase the veterinary clinic where they first met.

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Dr Justin Ward proves a small practice can do big things

Dr Justin Ward’s independent vet practice is rivalling the corporates on the Gold Coast.

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Dr David Beischer's vet practice renovation

When Dr David Beischer and his practice partners decided to renovate after 30 years in the same building, the process wasn’t straightforward.

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Dr Todd Dalton bought his dream home and his own practice

Dr Todd Dalton had just purchased his first home when his veterinary practice came up for sale. BOQ Specialist was there to help.

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Drs Rob McMaster and Nadia Sternberg decided to go into private practice

Two Toowoomba veterinarians are thriving professionally and financially after biting the bullet and going into private practice together with the help of BOQ Specialist. 

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Dr Catherine Harper

Dr Catherine Harper had her first child and bought her first veterinary practice in the same year.

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Dr Rob Hill on opening his veterinary hospital

Dr Rob Hill's decade-long journey to open Australind Veterinary Hospital in Bunbury has been long and often challenging.

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Dr Nic Cher's veterinary practice in Brisbane's Fortitude Valley

Dr Nic Cher found a home for his new veterinary practice in Brisbane’s Fortitude Valley. Now he’s finding homes for abandoned pets.

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Dr Isabelle Connor on a house in the country

Being able to work in the place she loves, and now live in her own home, is a dream come true for Dr Isabelle Connor.

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Dr Katie Currie never planned to own a practice, but now she does

Dr Katie Currie never planned to own a practice, but when she got a chance to buy one she worked in, BOQ Specialist was there to help.

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Vet Dr Chris Blair has taken a different approach

Blue Mountains vet Dr Chris Blair has benefited from having his finances under one roof. 

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Dr Nicole Laurence created a practice where animals could feel at ease

Dr Nicole Laurence didn’t want to treat scared and stressed animals. She wanted to create a practice that makes them feel relaxed, safe and happy.

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Dr Richard Seymour on opening a beach-side veterinary practice

Not one to do things by halves, Dr Richard Seymour is a runner, musician and vet. For him, moving from a corporate practice back to private practice was one more adventure.

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Dr David Garth proves age is no barrier to career success

Dr David Garth may be at the beginning of what is sure to be a long and successful career. Yet he has already come full circle, and BOQ Specialist helped him do it.

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Financing for Lakeview Private Hospital

Everyone involved in Lakeview Private Hospital could see how successful it was —except for their financier. Luckily, BOQ Specialist understood what they were doing and was there to help.

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Future Medical Imaging Group's innovative new equipment

For radiologist Dr Andrew Dobrotwir, investing in a machine that makes brain surgery possible without any incisions was definitely a no-brainer.

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The Goodwin brothers successful growing medical practice

Their approach to healthcare has been so successful, the Goodwin brothers have more than doubled the size of their medical practice.

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Dr Andrew Hamilton

For cardiologist Dr Andrew Hamilton, running a successful business is all about putting the patient first.

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Dr. Karim Ghanim - finding a new home

Fleeing the death penalty in Iraq set Dr Karim Ghanim on a long journey that led him to being able to set up his own medical practice in Perth.

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Dr Scott Macrossan's National Trust listed practice

Transforming a beautiful 1880s heritage home into spacious private practice has been a successful transition for this husband and wife duo. 

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The perfect excuse to renovate

The pandemic lockdowns and working from home gave Neurosurgeon Dr Hamish Alexander the push needed to renovate his house.

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Dr Carolyn Stulner’s dream to have her own practice finally became reality

Thanks to good advice and finance when she needed it, Dr Carolyn Stulner can now add practice owner to her long list of professional achievements. 

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Dr Madeleine Adams, starting a practice from scratch

Fresh out of training, Dr Madeleine Adams started her own practice with no referral base in a new hospital. 

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Rebuilding a medical practice

Rebuilding a practice and career in a new country is challenging enough, but Dr Bobby Chhoker had an even grander plan.

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Dr Laura MacNeil - Starting up on her own

Her decision to have a break from dentistry turned out to be a pivotal point in Dr Laura MacNeil’s dental career. 

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Dr Omid Salar's dream coastal surgery

Iranian-born dentist Omid Salar could not have predicted that one day he’d build his dream surgery halfway round the world on the Gold Coast.

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Dr Alex Davies unexpected path to practice ownership

She never thought she’d want to own her own practice but then circumstances changed, and Dr Alex Davies had a change of heart.

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A dental practice expansion during the COVID pandemic

Dr Nirej Rewal got a golden opportunity to expand his dental practice. Problem was, he got it at the worst possible time.

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Dr. Salman Abawi's bigger and better practice

When Dr Salman Abawi was given a few months to find a new practice, he decided to build for the future. BOQ Specialist was on hand to help.

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Dr Jade Hammer's goodwill practice purchase

When Dr Jade Hammer wanted to buy a share in his clinic’s property, he discovered it wasn’t as straightforward as he thought. BOQ Specialist saved the day with a goodwill loan structure.

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A specialist oncology hospital for pets

When Dr Straw couldn't find the infrastructure required to continue his oncology work in Australia, he decided to build a new hopsital himself.

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Future Focus: Ellen Hersee Cray

Ellen Hersee Cray, a 2021 graduate of Notre Dame University, Sydney was a recipient of our FutureFocus grant for 2021. Read about her elective experience here.

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Future Focus: Mitchell Gordon

Mitchell Gordon was a recipient of our FutureFocus grant for 2021 and secured his elective through Peninsula Health in the Home Unit at Frankston Hospital in Victoria. Read about his elective experience here.

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Future Focus: Emily Hutchinson

Emily Hutchinson is in her final year of medical studies at Curtin University, Western Australia, and arranged the second of two elective placements within sexual health clinics.

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Future Focus: Emily Hutchinson

Emily Hutchinson is in her final year of medical studies at Curtin University, Western Australia, and arranged the first of two elective placements at the Jandakot base with the Royal Flying Doctor Service.  Read about her elective experience here.

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Future Focus: Amy Healey

Amy Healey, a final year student at The University of New South Wales, secured a four-week elective with the neonatal intensive care team at The Royal Hospital for Women, Sydney. Read about her elective experience here.

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  • Important Information

      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.