++Limited time offers available for owner occupied home loan applications received from 13 November 2020 and available for new to bank lending only. Maximum Loan to Value Ratio up to 80%. Not available for Interest Only lending. Not available for the refinance or restructure of existing BOQ loans, construction home loans or self-managed super fund loans. Minimum $150,000 new lending. The discount under this offer will continue to apply until you request us to vary your loan. Full terms and conditions available at any BOQ branch. BOQ standard credit assessment criteria apply. Information current as at 23 February 2021.
* Interest rates are variable rates and are subject to change at any time without notice.
A Bonus Interest variable rate will only be paid if Bonus Criteria are met in the previous month. Bonus Criteria will be met where both the following conditions are met:
- a minimum of $200 for Fast Track Starter or $1,000 for Fast Track Saver is credited to the linked Day2Day Plus Account in the prior calendar month. This excludes amounts transferred from another one of your BOQ Accounts including any Account you may be linked to as an Authorised User or joint Account holder;
AND
- at least 5 direct debit transactions, ATM withdrawals or purchases of goods or services from a Merchant are made in the prior calendar month by using your eftpos Card or BOQ Visa Debit Card associated with your linked Day2Day Plus Account. This does not include cheques written or deposited, branch cash withdrawals, transfers or payments to any BOQ account or to a non-BOQ account via Internet Banking, in branch or at ATMs, transfer of funds to accounts held at an overseas bank, BPAY payments, pending Visa Debit Card transactions and BOQ Credit Card transactions.
Transactions that are not settled (are pending) do not count towards the Bonus Criteria. If a transaction is made but settles in the following calendar month then the transaction will be counted in the following calendar month.
The variable Base Rate applies to balances over $250,000. The variable Base Rate always applies in the first month after opening an account. In the first month, Bonus Criteria on the transaction account is measured from the time the Fast Track Saver/Starter Account is opened, not the full calendar month even if the transaction account was already existing. Interest is calculated on a stepped basis and paid monthly on the first day of the following month. If Bonus Criteria conditions are not met the variable Base Rate only will apply.
The Fast Track Starter Account will automatically convert to a Fast Track Saver Account on your 25th Birthday.Fast Track Starter Accounts are restricted to one per customer.
**Comparison Rate calculated on a loan amount of $30,000 over a term of 5 years. Fixed interest rates may vary between application and drawdown of the loan.
~You will earn 80,000 bonus Q Rewards® Points when you spend $3,000 or more on Eligible Transactions in the first 60 days from card approval. Eligible Transaction is defined in the Q Rewards® Terms and Conditions and means any purchase excluding (but not limited to) cash advances, balance transfers, special promotions, BPAY payments, government related transactions and all other transactions set out within the definition. All Q Rewards® are subject to the BOQ Q Rewards® Terms and Conditions. The bonus Q Rewards® Points will be credited to the Primary Cardholder’s Account up to 60 days after meeting the spend criteria.
