At a glance

4.62 %p.a.
Variable Home Loan Principal and Interest rate
4.75 %p.a.
Comparison rate
90 %
of the property value can be borrowed (principal and interest)*
$ 0 
Application fee

Why choose our Clear Path Variable Home Loan?

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!

For Defence Housing Australia (DHA) properties we’ll typically lend up to 90% of the property value without lenders mortgage insurance.

Free redraw

Access any advance repayments in your home loan through redraw. No fees apply.

Mortgage offset account^

Link your home loan to a Mortgage Offset Account and you can save on interest.

Flexible repayment options

Choose weekly, fortnightly or monthly repayments to align with your pay cycle or budget needs. 

Loan Features

  • Borrow up to 90% of the property value* (Principal and Interest Lending) or 80% of the property value (Interest Only Lending) for Investors
  • No application fee
  • One free valuation**
  • Free redraw
  • 100% mortgage offset account+
  • Flexible repayment options - weekly, fortnightly, monthly
  • Available for all loan amounts
  • Available for construction loans. During the construction period the applicable interest rate will be the Interest Only Rate
  • Top Up

Interest Rates

Borrower Interest rate (% P.A.) Comparison rate (%P.A.)

Investment - Principal and Interest



Investment - Interest Only




At BOQ, we keep our fees to a minimum. Any fees we do have we’ll show you up front so there are no surprises.

Fee Amount
Application fee


Valuation fee

One free valuation*

Monthly fee


Redraw fee

No fee ($100 minimum applies)

Settlement fee $150# 

A full list of fees can be found in our Fees and Charges Guide below.

Important Information

For important information on our Clear Path Variable Home Loan, view our Terms and Conditions.

Ready to apply?

There are a few things you’ll need to begin, such as your proof of identity, employment details and financial details such as income, assets, expenses and liabilities.

Step 1.

Check your eligibility. You must:

  • Be 18 years of age or older
  • Have never been bankrupt
  • Be an Australian citizen or permanent resident
  • Earn a regular income

Step 2.