Clear Path Home Loans - Owner Occupied

The Clear Path Home Loan has all the qualities you'd expect from a great home loan, and with a low variable rate it's even more charming. There's no application fee and you'll get the flexibility of free redraw, mortgage offset, flexible repayments, long walks on the beach and more.


It was also recently judged as Money magazine's 2015 Cheapest Flexible Home Loan. Who'd have thought we'd be proud to be called cheap!

How to apply

BOQ’s Clear Path Home Loan

Owner Occupied  

Interest rate %


Comparison rate

% p.a. ^

Clear Path Variable Home Loan 4.47 4.60

Clear Path discount rate*

$150k +

3.99 (0.48% p.a. discount) 4.12
Rates quoted are for owner occupied borrowing only. Investment rates can be found here.


  • Available for all loan amounts
  • Up to 95% of security property2 for owner-occupier
  • No application fee

One free valuation

  • Free redraw
  • 100% Mortgage Offset1
  • Flexible repayment options
  • Top Up



*Offer available for minimum $150,000 new to bank lending only for Owner Occupied lending. For applications received from 13/07/2016. Maximum LVR up to 80%. Not available for the refinance or restructure of existing BOQ loans, construction loans or Self-Managed Super Fund loans. The discount applied under this offer will continue to apply until you request us to vary your loan. Full terms and conditions available at any BOQ branch. Fees and charges are payable. BOQ standard credit assessment criteria applies.



Borrowing Power Calculator 


Loan Repayments Calculator 


BOQ Property App 


Borrowers and purpose:

Individuals, Companies and Trusts
(Not available for Self-managed Super Funds)
Owner occupied & investment Yes
Available for new lending only Yes


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

Not sure this is the one for you? Find out more about one of our other great homes products and check out today's rates:

How to apply

More Information

Please view the terms and conditions listed below on the Terms and Conditions page: