{
  "source": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/bb2579cd-508e-ee11-be36-000d3a79efd0",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "bb2579cd-508e-ee11-be36-000d3a79efd0",
    "lastUpdated": "2026-06-04T04:47:48Z",
    "productCategory": "BUSINESS_LOANS",
    "name": "BOQS Market Rate Loan",
    "description": "BOQS Market Rate Loan - This product is currently being trialled with select business customers only",
    "brand": "BOQS",
    "brandName": "BOQ Specialist",
    "isTailored": true,
    "additionalInformation": {},
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest rate options and loan terms:  Variable - 1,2, 3 and 6 months; Interest Capitalised Variable - 1,2 and 3 months;Fixed - 1,2,3,4 and 5 years; Interest Prepaid - 1 year"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Scheduled Principal Reductions, Progress Draw and Redraw are offered on Variable Market Rate Loans and Interest Capitalised Variable Market Rate Loans."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest payment options and loan terms : Variable: 1,2,3 and 6 months in arrears; Interest Capitalised Variable : 1, 2 and 3 months in arrears;Fixed - Monthly in arrears; Interest Prepaid - Yearly in advance. Interest rates for the Market Rate Loan are available by contacting BOQ Specialist."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest rates are set daily for each facility type and each interest period."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Choose a loan that suits your cash flow and business requirements.  Variable Market Rate Loan Interest Capitalised Variable Market Rate Loan Fixed Market Rate Loan Interest Prepaid Market Rate Loan"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Accepted security includes residential property, commercial property, business assets, directors' guarantee, fixed and floating company charge."
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "50000.0000000000"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      }
    ],
    "fees": [
      {
        "name": "Upfront Document Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "BALANCE",
          "rate": "0.0075000000000000"
        },
        "currency": "AUD",
        "additionalInfo": "0.75% of the approved limit applies (minimum $750)",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Settlement Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for completing settlement of your facility",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Undrawn Loan Fee",
        "feeType": "OTHER",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged on the daily undrawn facility limit in arrears on a frequency agreed with us",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Break Cost Fee",
        "feeType": "VARIATION",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "The amount is calculated in accordance with your Facility Agreement",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Special Attendance Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "450.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged if you require any special attendance",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged if sending payment via bank cheque",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Construction Loan Fee - Contract Builder",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Allows up to 4 drawings, with each additional drawing $100",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Line Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.0000"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "Charged on the facility limit either in Advance or Arrears",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Security Release Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when we agree (at your request) to discharge a security",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Construction Loan Fee - Owner Builder",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "500.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Allows up to 4 drawings, with each additional drawing $100",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Switching Fee",
        "feeType": "VARIATION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.0000"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable when switching facility types or changing interest periods",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Trust Deed Review",
        "feeType": "VARIATION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "220.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a trust deed requires review",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Consent to Lease",
        "feeType": "VARIATION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "450.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when a consent to registration of lease and production of Certificate of Title is required",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Variation Fee",
        "feeType": "VARIATION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "395.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged for any variations made to the loan that need documentation",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Additional Security Fee",
        "feeType": "VARIATION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when more than one security is required by BOQ",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Substitution of Security Fee",
        "feeType": "VARIATION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Payable is we agree to substitution of a security for another security",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Loan Service Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.0000"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "A monthly account keeping fee for the provision and maintenance of the facility",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Information Fee",
        "feeType": "ENQUIRY",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "80.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged each time you request us to provide information about your facility including statements",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      },
      {
        "name": "Break Cost Administration Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.0000"
        },
        "currency": "AUD",
        "additionalInfo": "Charged in accordance with your Facility Agreement",
        "additionalInfoUri": "https://www.boqspecialist.com.au/important-information/terms-and-conditions"
      }
    ]
  }
}