---
title: "Clear Path Variable Home Loan — Bank of Queensland Limited"
description: "Home Loans from Bank of Queensland Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bank-of-queensland-limited/products/59906e88-5c03-ee11-8f6e-00224814d330
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-27T06:27:50Z
---

# Clear Path Variable Home Loan — Bank of Queensland Limited

> Home Loans from Bank of Queensland Limited. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Bank of Queensland**

If you're looking for a fully featured, home loan with a low rate, our Clear Path Variable Rate Home Loan is for you.

## At a glance

- **From (owner occupied):** 6.14% (6.26% comparison)

## Apply

Applications are handled by the provider: [Apply at Bank of Queensland Limited](https://www.boq.com.au/personal/home-loans/clear-path-variable-home-loan)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Owner occupier, Principal and Interest, max 80% LVR, minimum $150k. New lending only.) | 6.14% | 6.26% | LVR ≤80%; Amount $150,000+ |
| Variable (Owner occupier, Principal and Interest, max 90% LVR, minimum $150k. New lending only.) | 6.29% | 6.41% | LVR 80.01–90%; Amount $150,000+ |
| Variable (Owner occupier, Principal and Interest, max 95% LVR, minimum $150k. New lending only.) | 6.59% | 6.71% | Balance $150,000+; LVR 90.01–95% |
| Variable (Owner occupier, Principal and Interest) | 8.24% | 8.35% | — |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Owner occupier, Interest Only, max 80% LVR, minimum $150k. New lending only.) | 7.64% | 6.91% | LVR ≤80%; Amount $150,000+ |
| Variable (Owner occupier, Interest Only, max 90% LVR, minimum $150k. New lending only.) | 7.89% | 7.11% | LVR 80.01–90%; Amount $150,000+ |
| Variable (Owner occupier, Interest Only) | 8.63% | 8.53% | — |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Investor, Principal and Interest, max 80% LVR, minimum $150k. New lending only.) | 6.29% | 6.41% | LVR ≤80%; Amount $150,000+ |
| Variable (Investor, Principal and Interest, max 90% LVR, minimum $150k. New lending only.) | 6.54% | 6.66% | LVR 80.01–90%; Amount $150,000+ |
| Variable (Investor, Principal and Interest, max 95% LVR, minimum $150k. New lending only.) | 6.99% | 7.11% | Balance $150,000+; LVR 90.01–95% |
| Variable (Investor, Principal and Interest) | 8.87% | 8.98% | — |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Investor, Interest Only, max 80% LVR, minimum $150k. New lending only.) | 6.39% | 6.45% | Amount $150,000+; LVR ≤80% |
| Variable (Investor, Interest Only, max 90% LVR, minimum $150k. New lending only.) | 6.79% | 6.76% | Amount $150,000+; LVR 80.01–90% |
| Variable (Investor, Interest Only) | 9.12% | 9.09% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Settlement Fee | Upfront | $150.00 |
| Security Release Fee — Payable when we agree (at your request) to discharge a security. | Exit | $350.00 |
| Substitution of Security — Payable if we agree to substitution of a security for another security. | Variation | $300.00 |
| Default Fee — 10 · Payable 10 days after a repayment date if you have not paid your repayment or any other payment in full on or before that repayment date. A further default fee is payable 10 days after the repayment date in each subsequent month until all overdue amounts are paid. | Late payment | $30.00 |
| Consent Fee — Payable whenever we give consent (following a request from you) to a change in security. | Variation | $300.00 |
| Construction Loan Fee | Upfront | $250.00 |
| Government and other charges — Fees payable to third parties. Fees may include but are not limited to - Mortgage duty, Mortgage lodgement fee, Land title search fee etc. Fees may vary by state. Refer to your loan schedule for a complete list of third-party fees that apply to your account. | Other | Variable |
| Production Fee — Payable if a certificate of title or any security is required to be produced to another financial institution. | Event | $150.00 |
| Monthly Fee — Charged monthly · Discounts may apply in some cases. Refer to your Loan schedule for details. | Ongoing | $10.00 |

## Features

- **Offset account** (100% mortgage offset account. This is not available for loans in the name of companies and trusts. Only one mortgage offset account can be linked to a loan.)
- **Extra repayments** (Additional repayments - make unlimited additional repayments at any time)
- **Split loans- fixed loan application fee applies**
- **Available for all loan amounts**
- **Flexible repayment options - weekly, fortnightly, monthly**
- **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**
- **One free valuation**
- **Redraw facility** (Unlimited free redraw- minimum $100.00 redraw. No fees apply)
- **No application fee**
- **Available for construction. During the construction period the Clear Path Variable Interest Only Rate will apply**
- **No minimum loan amount**
- **Cashback offer** — 2000.0000000000 (The $2000 BOQ Classic Refinance Cashback offer is being extended for applications submitted on or after Friday, 28 August 2026 until the new application deadline of Sunday, 28 February 2027, and must settle within 120 days of the loan application date. The $2000 BOQ Classic Refinance Cashback offer is being extended for applications submitted on or after Friday, 28 August 2026 until the new application deadline of Sunday, 28 February 2027, and must settle within 120 days of the loan application date. All other eligibility criteria will remain unchanged.)

## Eligibility

- **Minimum age** — 18 years (Be 18 years of age or older)
- **Earn a regular income**
- **Have never been bankrupt**
- **Residency status** — Resident or Citizen (Be an Australian citizen or permanent resident)

## Constraints

- **Minimum LVR** — 0% (Minimum LVR)
- **Maximum LVR** — 95% (Maximum LVR)

## More information from Bank of Queensland Limited

- [Overview](https://www.boq.com.au/personal/home-loans/clear-path-variable-home-loan)
- [Terms & conditions](https://www.boq.com.au/important-information/terms-and-conditions)
- [Eligibility](https://www.boq.com.au/personal/home-loans/clear-path-variable-home-loan)
- [Fees & pricing](https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/personal/personal-banking-guide-to-fees-and-charges.pdf)

## Data provenance

- Published by Bank of Queensland Limited under the Consumer Data Right
- Product ID: `59906e88-5c03-ee11-8f6e-00224814d330`
- Last updated by the provider: 27 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-of-queensland-limited/59906e88-5c03-ee11-8f6e-00224814d330
- Provider page: https://www.cdrcompare.au/brands/bank-of-queensland-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000241

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-of-queensland-limited/products/59906e88-5c03-ee11-8f6e-00224814d330) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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