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.
- From (owner occupied)
- 6.14%
- 6.26% comparison
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% | LVRAmount |
| Variable Owner occupier, Principal and Interest, max 90% LVR, minimum $150k. New lending only. | 6.29% | 6.41% | LVRAmount |
| Variable Owner occupier, Principal and Interest, max 95% LVR, minimum $150k. New lending only. | 6.59% | 6.71% | BalanceLVR |
| Variable Owner occupier, Principal and Interest | 8.24% | 8.35% | — |
Owner occupied — Interest only
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 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. |
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.
- Cashback offer — 2000.0000000000
- $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 repayments - make unlimited additional repayments at any time
- Split loans- fixed loan application fee applies
- Available for all loan amounts
Eligibility
- Minimum age — 18 yearsBe 18 years of age or older
- Earn a regular income
- Have never been bankrupt
- Residency status — Resident or CitizenBe an Australian citizen or permanent resident
Constraints
- Minimum LVR — 0%Minimum LVR
- Maximum LVR — 95%Maximum LVR
More Information
Published by Bank of Queensland Limited under the Consumer Data Right · Last updated 7 June 2026 · Product ID 59906e88-5c03-ee11-8f6e-00224814d330 · View on CDR.gov.au