Innovative financial solutions for RACGP members

At BOQ Specialist, being a member of the RACGP has its rewards.

We have over 25 years’ experience connecting with doctors on financial matters. We understand the importance of helping you to make the most of every opportunity to secure the best possible financial future. Whether you require personal financial solutions or business solutions for your practice, we have a range of unique products and services that have been tailored to meet your specific needs. Put simply, it’s our business to know your business as a RACGP member.

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Home loan package

Home loan package

Our home loan package allows you to borrow up to 100% LVR without paying Lender’s Mortgage Insurance. It also includes a credit card, everyday bank account and optional offset account available on variable home loans to help minimise your interest payments.

Exclusive benefit to RACGP members:

Receive $200 off the standard package fee ($395) for the first year

Credit cards

Credit cards

All the benefits of a globally accepted card with a range of excellent rewards. Choose between Qantas Frequent Flyer or Velocity Frequent Flyer programs and earn points on eligible everyday spend.

Exclusive benefits to RACGP members:

Take out the Signature card and pay a reduced annual fee of $250 p.a. (save $150 p.a.)

Take out the Platinum card and pay no annual fee (save $150 p.a.)

Car loans

Car loans

We explore every option when you’re looking at financing a car for personal or business use. That means going beyond getting the best interest rate. We understand your profession and know how busy you are, so our hassle-free process allows you to take delivery of your car as quickly as possible.

Exclusive benefit to RACGP members:

50% off the establishment fees (save $200)

Everyday banking

Everyday banking

The One Account is an everyday bank account that offers complete flexibility for your personal or practice finances with no monthly account keeping fee. It pays a competitive interest rate on any funds held in the account, comes with a Visa debit card and also has an overdraft option* which enables you to efficiently manage your cash flow without having to worry about transferring money between multiple accounts.

Exclusive benefit to RACGP members:

No application fee on the overdraft facility (save $395)

SMSF property loans

SMSF property loans

Purchase commercial property as part of your SMSF with varying security, guarantee and borrowing options. BOQ Specialist can lend up to 90% of the required finance on commercial property and tailor a loan that's right for your SMSF.

Exclusive benefit to RACGP members:

25% off establishment fee

Deposit solutions

Deposit solutions

BOQ Specialist offers a range of savings and transactional accounts with consistently competitive rates of interest. Our savings accounts are available in both Australian Dollar and a range of major foreign currencies.

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Asset finance and leasing

Asset finance and leasing

We can structure asset finance to suit your cash flow, with tailored lease payments and the option to finance a wide range of asset types. Choose from low start, upfront or stepped payment options when considering finance options for practice assets such as fit-out, computers, or software. Best of all you can discuss your commercial needs with a specialists that understands your industry, at a time convenient to you.

 

Commercial property

Commercial property

At BOQ Specialist we are always looking to discuss ways in which we can help support you and grow your business. We offer loans for RACGP members buying into commercial properties for their own business and investing in commercial properties. We will lend up to 100% for the purchase of practice premises and up to 90% for the purchase of commercial investment properties.

Practice or partner buy-ins (goodwill loans)

Practice or partner buy-ins (goodwill loans)

We can lend RACGP members up to 100% of the amount you need to buy in to an existing partnership/practice or increase your share, without using your personal property assets as security. Existing partners can remain unaffected as we only take security over your share of the partnership.  

Working capital

Working capital

We offer secured and unsecured lines of credit with no ongoing monthly or annual fees or line charges. Enjoy the peace of mind of only paying interest on the balance that is drawn down and outstanding, and not on the entire credit facility.

Not quite what you're looking for?

Are you looking for another way BOQ Specialist can help you with your
banking and finance needs?

Please contact one of our financial specialists directly.

BOQ Specialist - a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence no. 244616 (BOQ Specialist). Use of the information contained on this page is governed by Australian law and is subject to the Terms and Conditions which can be read by clicking here. View the BOQ Specialist Privacy Policy by clicking here.

The issuer and credit provider of these products and services is 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 and, if applicable, the relevant Product Disclosure Statement (PDS) 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. The foreign exchange market is subject to risks associated with exchange rate movements. These accounts should not be used for speculative purposes.

*One Account with Overdraft option:

  • 1. Subject to credit approval.
  • 2. Not available for SMSFs.
  • 3. 5 free ATM transactions per month per account at BOQ, Commonwealth, Westpac, St George, NAB and ANZ branded ATMs.

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.