Clear Path Variable Home Loan

General Lending Rates

Product Variations

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

• Monthly Fee (Periodic), Amount: 10.0000. Additional Information: Discounts may apply in some cases. Refer to your Loan schedule for details.

• Default Fee (Event), Amount: 30.0000. Additional Information: 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.

• Settlement Fee (Upfront), Amount: 150.0000.

• Substitution Of Security (Event), Amount: 300.0000. Additional Information: Payable if we agree to substitution of a security for another security.

• Government And Other Charges (Variable), Amount: Not Listed.. Additional Information: 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.

• Construction Loan Fee (Upfront), Amount: 250.0000.

• Consent Fee (Event), Amount: 300.0000. Additional Information: Payable whenever we give consent (following a request from you) to a change in security.

• Security Release Fee (Event), Amount: 350.0000. Additional Information: Payable when we agree (at your request) to discharge a security.

• 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.

 Limitations & Restrictions (Constraints)

• Min Lvr of 0.0000000000 Additional Information: Minimum LVR

• Max Lvr of 95.0000000000 Additional Information: Maximum LVR

Document Downloads

  personal-banking-guide-to-fees-and-charges.pdf (266.8 KB)