Products provided by Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence no. 244616 (BOQ). Conditions, criteria and fees apply. Full terms and conditions are available online or at any BOQ branch. BOQ's standard credit assessment criteria apply. Acceptance of any application for credit is always at BOQ's lending discretion.

This website contains general advice, which has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and read the relevant T&Cs and Guide to Fees and Charges that apply to this product before making any decision about whether to acquire or continue to hold it, available at your local BOQ branch or at boq.com.au.

Information current as at 19 February 2026.

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¹The valuation fee waiver of up to $5,000 and the $500 Visa e-gift card are available for new Business Term Loan (including Commercial Property and Goodwill), Commercial Rate Loan, Business Overdraft, Market Rate Loan and One Account Overdraft (For Business) applications received between 1 September 2026 to 31 December 2026 (inclusive) and that fund by 28 February 2027. The application must have minimum new borrowing of $1,000,000 and maximum new borrowing of $10,000,000. Excludes internal refinance, increases to existing loans, and loans for the purpose of property development, construction and land acquisition (except where the loan purpose is for primary production). If there are multiple loans under a single qualifying lending application, then the applicant will only be eligible for one waiver up to $5,000 and BOQ will only issue one $500 visa card. Valuation fees are variable. The amount of the waiver is subject to the final amount of valuation fees. If the loan does not fund by 28 February 2027, then the applicant acknowledges that the valuation fees incurred by BOQ may become payable by the applicant. Applicants should seek their own tax advice in relation to the waiver and/or the $500 Visa e-gift card. BOQ retains the right to terminate or modify this offer at its discretion (acting reasonably) without prior notice.  The Visa e-gift card (‘Card’) is issued by Heritage and People’s Choice Limited trading as Heritage Bank ABN 11 087 651 125 (‘Heritage’) pursuant to a licence from Visa Worldwide PTE Ltd. Visit Terms & Conditions – Visa Gift Cardsto view full terms and conditions of your Visa Gift Card and to check the cards balance, transaction history and expiry date. The Visa Gift Card will be distributed up to 90-days after the campaign settlement deadline of 28 February 2027. The $500 Visa e-gift card will be emailed to the email address attached to the loan application at the time the Visa e-gift card is disbursed. Where there are multiple borrowers, you are responsible for determining the final recipient of the Visa e-gift card. BOQ is not responsible for determining entitlement to, allocation of, or disputes regarding the recipient or use of the Visa e-gift card and will not reissue or redirect the benefit once issued.