Clear Path Variable Home Loan
If you're looking for a fully featured, home loan with a low rate, our Clear Path Variable Rate Home Loan is for you.
Category: Home Loans Last Updated April 13, 2026 Effective April 29, 2026
General Lending Rates
Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Owner occupier, Principal and Interest, max 80% LVR, minimum $150k. New lending only.
Interest Rate
5.89% PA
5.89% PA
Comparison Rate
6.18%PA*
6.18%PA*
Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will vary based on the LVR and other conditions.
Balance
Minimum: $150000.00 Maximum: $
- Lending Rate Type: Variable
- Interest Rate: 7.59%, Comparison Rate 7.86%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
LVR
Minimum: 0.9001 PERCENT Maximum: 0.95 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 7.59%, Comparison Rate 7.86%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
LVR
- Lending Rate Type: Variable
- Interest Rate: 7.39%, Comparison Rate 6.81%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
Amount
Minimum: $150000.00 Maximum: $
- Lending Rate Type: Variable
- Interest Rate: 7.39%, Comparison Rate 6.81%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
Amount
Minimum: $150000.00 Maximum: $
- Lending Rate Type: Variable
- Interest Rate: 6.54%, Comparison Rate 6.66%
- Repayment Type: Interest Only
- Loan Purpose: Investment
LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 6.54%, Comparison Rate 6.66%
- Repayment Type: Interest Only
- Loan Purpose: Investment
LVR
- Lending Rate Type: Variable
- Interest Rate: 6.04%, Comparison Rate 6.33%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
Amount
Minimum: $150000.00 Maximum: $
- Lending Rate Type: Variable
- Interest Rate: 6.04%, Comparison Rate 6.33%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 6.29%, Comparison Rate 6.58%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
Amount
Minimum: $150000.00 Maximum: $
- Lending Rate Type: Variable
- Interest Rate: 6.29%, Comparison Rate 6.58%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
Balance
Minimum: $150000.00 Maximum: $
- Lending Rate Type: Variable
- Interest Rate: 7.49%, Comparison Rate 7.77%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR
Minimum: 0.9001 PERCENT Maximum: 0.95 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 7.49%, Comparison Rate 7.77%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR
- Lending Rate Type: Variable
- Interest Rate: 5.89%, Comparison Rate 6.18%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Amount
Minimum: $150000.00 Maximum: $
- Lending Rate Type: Variable
- Interest Rate: 5.89%, Comparison Rate 6.18%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 7.64%, Comparison Rate 7.01%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
Amount
Minimum: $150000.00 Maximum: $
- Lending Rate Type: Variable
- Interest Rate: 7.64%, Comparison Rate 7.01%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 6.04%, Comparison Rate 6.33%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Amount
Minimum: $150000.00 Maximum: $
- Lending Rate Type: Variable
- Interest Rate: 6.04%, Comparison Rate 6.33%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Amount
Minimum: $150000.00 Maximum: $
- Lending Rate Type: Variable
- Interest Rate: 6.14%, Comparison Rate 6.35%
- Repayment Type: Interest Only
- Loan Purpose: Investment
LVR
- Lending Rate Type: Variable
- Interest Rate: 6.14%, Comparison Rate 6.35%
- Repayment Type: Interest Only
- Loan Purpose: Investment
Product Features
- Cashback Offer Additional Information: $2,000 cashback offer only available for owner occupier and investor home loan applications received through a BOQ Branch from 07 July 2025 and settles within 120 days of the loan application date. Applicants must be Australian residents aged 18 years and over who are personal customers taking out a new home loan with BOQ for purchase of an owner occupied or investment residential property. Offer available on BOQ’s Clear Path, Economy, or Fixed Rate home loan products only for owner occupier and investor loans and not available for owner occupier interest only loans and construction loans. Minimum total new lending of $400,000 with a loan to value ratio (LVR) above 80% and subject to the requirement to pay Lenders Mortgage Insurance (LMI). Only one cash back will be paid per qualifying home loan application regardless of the number of borrowers.
- Extra Repayments Additional Information: Additional repayments - make unlimited additional repayments at any time
- Other Additional Information: Split loans- fixed loan application fee applies
- Other Additional Information: Available for all loan amounts
- Offset Additional Information: 100% mortgage offset account
- Other Additional Information: Flexible repayment options - weekly, fortnightly, monthly
- Other Additional Information: 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
- Other Additional Information: One free valuation
- Redraw Additional Information: Unlimited free redraw- minimum $100.00 redraw. No fees apply
- Other Additional Information: No application fee
- Other Additional Information: Available for construction. During the construction period the Clear Path Variable Interest Only Rate will apply
- Other Additional Information: No minimum loan amount
Product Eligibility
- Min Age - 18. Additional Information: Be 18 years of age or older
- Other Additional Information: Earn a regular income
- Other Additional Information: Have never been bankrupt
- Residency Status - Resident Or Citizen. Additional Information: Be an Australian citizen or permanent resident
Bank Fees and Charges
- Settlement Fee (Upfront), Amount: 150.0000.
- Security Release Fee (Exit), Amount: 350.0000. Additional Information: Payable when we agree (at your request) to discharge a security.
- Substitution Of Security (Variable), Amount: 300.0000. Additional Information: Payable if we agree to substitution of a security for another security.
- Consent Fee (Variable), Amount: 300.0000. Additional Information: Payable whenever we give consent (following a request from you) to a change in security.
- Construction Loan Fee (Upfront), Amount: 250.0000.
- Production Fee (Event), Amount: 150.0000. Additional Information: Payable if a certificate of title or any security is required to be produced to another financial institution.
- Monthly Fee (Periodic), Amount: 10.0000. Additional Information: Discounts may apply in some cases. Refer to your Loan schedule for details.
Limitations & Restrictions (Constraints)
- Min Lvr of 0.0000000000 Additional Information: Minimum LVR
- Max Lvr of 0.9500000000 Additional Information: Maximum LVR
Document Downloads
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