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 March 25, 2025 Effective April 14, 2025
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 5.99% PA
Comparison Rate 6.11%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 usually vary based on the LVR and other conditions..
INVESTMENT, VARIABLE, 8.62%
Lending Rate Type: Variable
Interest Rate: 8.62%, Comparison Rate 8.73%
Repayment Type: Principal And Interest
Loan Purpose: Investment
OWNER_OCCUPIED, VARIABLE, 7.99%
Lending Rate Type: Variable
Interest Rate: 7.99%, Comparison Rate 8.11%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
Balance
Minimum: $150000.00 Maximum: $
LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
Lending Rate Type: Variable
Interest Rate: 7.49%, Comparison Rate 7.61%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
LVR
Minimum: 90.01 PERCENT Maximum: 95 PERCENT
Balance
Minimum: $150000.00 Maximum: $
Lending Rate Type: Variable
Interest Rate: 7.59%, Comparison Rate 7.71%
Repayment Type: Principal And Interest
Loan Purpose: Investment
LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
Amount
Minimum: $150000.00 Maximum: $
Lending Rate Type: Variable
Interest Rate: 6.79%, Comparison Rate 6.61%
Repayment Type: Interest Only
Loan Purpose: Investment
Amount
Minimum: $150000.00 Maximum: $
LVR
Lending Rate Type: Variable
Interest Rate: 6.24%, Comparison Rate 6.36%
Repayment Type: Principal And Interest
Loan Purpose: Investment
LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
Amount
Minimum: $150000.00 Maximum: $
Lending Rate Type: Variable
Interest Rate: 6.54%, Comparison Rate 6.66%
Repayment Type: Principal And Interest
Loan Purpose: Investment
Lending Rate Type: Variable
Interest Rate: 8.87%, Comparison Rate 7.57%
Repayment Type: Interest Only
Loan Purpose: Investment
Lending Rate Type: Variable
Interest Rate: 8.38%, Comparison Rate 7.20%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
Amount
Minimum: $150000.00 Maximum: $
Lending Rate Type: Variable
Interest Rate: 6.24%, Comparison Rate 6.36%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
Amount
Minimum: $150000.00 Maximum: $
Lending Rate Type: Variable
Interest Rate: 7.64%, Comparison Rate 6.85%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
Amount
Minimum: $150000.00 Maximum: $
LVR
Lending Rate Type: Variable
Interest Rate: 7.39%, Comparison Rate 6.74%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
LVR
Amount
Minimum: $150000.00 Maximum: $
Lending Rate Type: Variable
Interest Rate: 5.99%, Comparison Rate 6.11%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
Product Features
OtherAdditional Information: Available for all loan amounts
OtherAdditional 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
OtherAdditional Information: Available for construction. During the construction period the Clear Path Variable Interest Only Rate will apply
OtherAdditional Information: No minimum loan amount
Product Eligibility
Min Age - 18. Additional Information: Be 18 years of age or older
OtherAdditional Information: Earn a regular income
OtherAdditional 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.
Production Fee (Event), Amount: 150.0000. Additional Information: Payable if a certificate of title or any security is requried to be produced to another financial institution.
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.
