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Home loan · Variable

Clear Path Variable Home Loan

Loan for
Repayments
Deposit

6.51%comparison rate p.a. · 6.39% advertised

Variable · P&I · Owner-occupier · ≤80% LVR

45th of 93 variable owner-occupier P&I loans

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Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Offset account
Yes
Redraw
Yes
Extra repayments
Yes
Application fee
None
Ongoing fee
$10 a month
Discharge fee
$350
Compare all 321 home loans
Compare BOQ Clear Path Variable side by side

Variable · P&I · Owner-occupier · ≤80% LVR
6.51% comparison · 6.39% advertised
Variable · P&I · Owner-occupier · ≤95% LVR
8.60% comparison · 8.49% advertised
Variable · P&I · Owner-occupier · 80–90% LVR
6.66% comparison · 6.54% advertised
Variable · P&I · Owner-occupier · 90–95% LVR
6.96% comparison · 6.84% advertised
Variable · Interest Only · Owner-occupier · ≤95% LVR
8.78% comparison · 8.88% advertised
Variable · Interest Only · Owner-occupier · ≤80% LVR
7.16% comparison · 7.89% advertised
Variable · Interest Only · Owner-occupier · 80–90% LVR
7.36% comparison · 8.14% advertised
Variable · P&I · Investor · ≤80% LVR
6.66% comparison · 6.54% advertised
Variable · P&I · Investor · ≤95% LVR
9.23% comparison · 9.12% advertised
Variable · P&I · Investor · 80–90% LVR
6.91% comparison · 6.79% advertised
Variable · P&I · Investor · 90–95% LVR
7.36% comparison · 7.24% advertised
Variable · Interest Only · Investor · ≤95% LVR
9.35% comparison · 9.37% advertised
Variable · Interest Only · Investor · ≤80% LVR
6.70% comparison · 6.64% advertised
Variable · Interest Only · Investor · 80–90% LVR
7.01% comparison · 7.04% advertised

Application fee
None
Ongoing fee
$10 a month
Discharge fee
$350
Redraw fee
None

Offset account
Yes
Redraw
Yes
Extra repayments
Yes
Portable
No
Repayment holiday
No

Minimum loan
$150,000

  • Clear Path Variable Home Loan · Variable · P&I · Owner-occupier
  • RBA cash rate
  • Market average
5.006.00SepOctToday6.51% p.a. today

October 20261 change

  1. 3Sat
    • 14 variants up 0.25 to 0.263 days after the RBA rise to 4.60%
      All Variable
      P&I · Owner-occupier · ≤80% LVR6.266.51+0.25
      P&I · Owner-occupier · ≤95% LVR8.358.60+0.25
      P&I · Owner-occupier · 80–90% LVR6.416.66+0.25
      P&I · Owner-occupier · 90–95% LVR6.716.96+0.25
      Interest Only · Owner-occupier · ≤95% LVR8.538.78+0.25
      Interest Only · Owner-occupier · ≤80% LVR6.917.16+0.25
      Interest Only · Owner-occupier · 80–90% LVR7.117.36+0.25
      P&I · Investor · ≤80% LVR6.416.66+0.25
      P&I · Investor · ≤95% LVR8.989.23+0.25
      P&I · Investor · 80–90% LVR6.666.91+0.25
      P&I · Investor · 90–95% LVR7.117.36+0.25
      Interest Only · Investor · ≤95% LVR9.099.35+0.26
      Interest Only · Investor · ≤80% LVR6.456.70+0.25
      Interest Only · Investor · 80–90% LVR6.767.01+0.25
      +0.25 to +0.26

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

Also from BOQ: Economy Variable Home Loan 6.47% · Fixed Rate Home Loan 6.59%

As of 2 November 2026, the BOQ Clear Path Variable Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.51% (6.39% advertised), ranking 45th of 93 variable owner-occupier P&I loans and sitting 0.07 points below the market average of 6.58%. The product comes in 14 variants; the others are investor, interest-only and other LVR bands. Its rate last moved on 3 October 2026, 3 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.