Clear Path Variable Rate Home Loan

Our most popular low rate loan with features that you'll love

If you're looking for a fully featured, cheap home loan* with a low rate, our Clear Path Variable Rate Home Loan is for you! With a low interest rate, free redraw, mortgage offset and flexible repayments, there's no surprise that this is our most popular home loan. With no application fee, we know you'll love it! 


Don't just take our word for it - our cheap home loan was awarded Money magazine's 2015 Cheapest Flexible Home Loan! 

How to apply

Home Loan Interest Rates


Interest rate % 


Comparison rate 

% p.a.^ 

Owner occupier 4.47 4.60
Investment 5.04 5.17


Yes No application fee

 Yes Borrow up to 95% of the property value2 (Principal and Interest Lending) or 70% of the property value (Interest Only Lending) for Owner Occupiers 

 Yes Borrow up to 90% of the property value2 (Principal and Interest Lending) or 80% of the property value (Interest Only Lending) for Investors

Yes One free valuation

Yes Free redraw

Yes 100% mortgage offset account1 

Yes Flexible repayment options - weekly, fortnightly, monthly

Yes Mortgage top up

Yes Available for all loan amounts


Fees and Charges 

Application Fee $0
Monthly Fee $10
Valuation Fee One free per application3
Settlement Fee4 $150


Available for owner occupiers, investment, individuals, companies and trusts (not available for self-managed super funds). New lending only.

Not sure this is the home loan for you? Check out our other great home loans..



How to apply

Important Information

Please download and view our terms and conditions and information below: 

  1. 100% Mortgage Offset available for personal customers only.
  2. Lender's mortgage insurance required if the amount borrowed is more than 80% of the valuation of the security property. Applies to both owner-occupied and investment loans.
  3. One free residential valuation per Clear Path loan application.
  4. Payable per settlement where applicable.