Clear Path Variable Home Loan

At a glance

6.39 ^%P.A.

Owner Occupier Principal and Interest Rate #

6.51 ^%P.A.

Comparison rate^

^$ 0

Application fee

FREE

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!

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

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

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

Ready to get started?

Enquire now Call us on 1300 55 72 72

Loan features

Owner occupiers or Investors can borrow up to 95% of the property’s value with principal and interest repayments or 90% with interest only repayments*
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. Borrow up to 90% of maximum Loan to Value Ratio (LVR), inclusive of Lender's Mortgage Insurance*. During the construction period the Interest Only Rate will be applicable.

Interest rates

Clear Path Variable Home Loan Rates

	Principal and Interest		Interest only
Product	Interest Rate % p.a.	Comparison Rate % p.a.^	Interest Rate % p.a.	Comparison Rate % p.a.^
Owner occupier	8.24	8.35	8.63	7.54
Owner occupier - max 80% LVR # (minimum $150k. New lending only)	6.39 (1.85% p.a. discount)	6.51	7.64 (0.99% p.a. discount)	7.07
Owner occupier - max 90% LVR ## (minimum $150k. New lending only)	6.64 (1.60% p.a. discount)	6.76	7.89 (0.74% p.a. discount)	7.19
Owner occupier - max 95% LVR ### (minimum $150k. New lending only)	7.74 (0.50% p.a. discount)	7.86	n/a	n/a
Investor	8.87	8.98	9.12	7.83
Investor - max 80% LVR # (minimum $150k. New lending only)	6.49 (2.38% p.a. discount)	6.61	6.59 (2.53% p.a. discount)	6.66
Investor - max 90% LVR ## (minimum $150k. New lending only)	6.79 (2.08% p.a. discount)	6.91	7.04 (2.08% p.a. discount)	6.86
Investor - max 95% LVR ### (minimum $150k. New lending only)	7.84 (1.03% p.a. discount)	7.96	n/a	n/a

Fees

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	Nil
Valuation fee	One free valuation*
Monthly fee	$10/month
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

Step 2.

Enquire online

Call us on 1300 55 72 72
Find your nearest branch

Handy tools

Find out your borrowing power, loan repayments and plan your budget

Calculate borrowing power

Compare our home loans side by side to see which is right for you

Compare home loans

Get to know the market with a BOQ Property Report

View reports

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

Learn more

Protect your most valuable asset

Our Home & Contents Insurance helps prevent avoidable accidents and keeps you protected from avoidable events in your home. We're investing in making your home a safer space, all year round, with smarter solutions.