At a glance

3.44 %P.A.
Owner Occupier Principal and Interest Rate #
3.58 %P.A.
Comparison rate^
$ 0 
Application fee
Residential valuation**

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!

Unlimited free redraw

Access your extra repayments anytime via Internet Banking. Minimum $100.00.  No forms needed & no fees apply. Learn more.

Mortgage offset account+

Link your home loan to a Mortgage Offset Account and you can save on interest. Available for loans in personal names only.

Flexible repayment options

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

Ready to get started?

Enquire now    Book a Chat    Call us on 1300 55 72 72

Loan features

  • Borrow up to 95% of the property value, inclusive of Lender's Mortgage Insurance* (Principal and Interest Lending) or 90% of the property value, excluding Lender's Mortgage Insurance* (Interest Only Lending) for Owner Occupiers 
  • Borrow up to 90% of the property value, inclusive of Lender's Mortgage Insurance* (Principal and Interest or Interest Only Lending) for Investors
  • No application fee
  • One free valuation**
  • Unlimited 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 Interest Only Rate will be applicable.

Ready to get started?

Enquire now    Book a Chat    Call us on 1300 55 72 72

Interest rates

Clear Path Variable Home Loan Rates

  Principal and Interest Interest only


Interest Rate % p.a.

Comparison Rate % p.a.^

Interest Rate % p.a.

Comparison Rate % p.a.^

Owner occupier





Owner occupier - max 80% LVR #

(minimum $150k. New lending only)


(1.30% p.a. discount)



(0.99% p.a. discount)


Owner occupier - max 90% LVR ##

(minimum $150k. New lending only)


(1.05% p.a. discount)



(0.74% p.a. discount)







Investor - max 80% LVR #

(minimum $150k. New lending only)


(1.93% p.a. discount)



(1.93% p.a. discount)


Investor - max 90% LVR ##

(minimum $150k. New lending only)


(1.58% p.a. discount)



(1.68% p.a. discount)



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.

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

Important Information

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

You might also be interested in:

Pay off your house sooner

Mortgage Offset Account

Access your money at any time while reducing the interest payable on your home loan.

  • 100% offset against your eligible BOQ Home Loan
  • No minimum balance
  • Easy access to your money when you need it

Protect your most valuable asset

Home and Contents Insurance

Smarter Home insurance is here. BOQ has partnered with Honey Insurance to offer you Australia's first smart home insurance - helping you prevent avoidable accidents in your home. Make sure your home and contents are protected should the unthinkable happen.

  • Complimentary smart sensors for your home and contents policy*
  • A lower premium for being smarter*
  • Combined or separate home and contents insurance
  • Cover when flood, fire or when a storm hits
  • Add the extra cover you need

What can we help you with today? 

Buying Your First Home

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Buying Your Next House

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Refinance Your Home Loan

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Buying An Investment Property

See more