Lender profile · Home loans
LiveBank of Sydney home loans
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As of 18 September 2026, Bank of Sydney has eight home loan products in 19 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.23% (BOS Basic Home Loan Owner Occupied), ranking 27th of 107 variable owner-occupier P&I loans and sitting 0.53 points below the market average of 6.76%.
- Lowest comparison rate
- 6.23%
- BOS Basic Home Loan Owner Occupied
- Market rank
- #27
- of 107 variable owner-occupier P&I loans
- Products
- 8
- 19 variants
- Last change
- —
- None recorded yet
Rates over time
Comparison rate of each product's headline variant- RBA cash rate
- Market average
What changed
No changes recorded for Bank of Sydney's home loans since tracking began on 12 September 2026.
Home loans
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 6
Variable · P&I · Owner-occupier · 60–80% LVR · redraw · no ongoing fee · 5 variants
6.23%#27 of 107comparison · 6.19% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $400
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · redraw · no ongoing fee
6.43%#19 of 81comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $400
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 60–80% LVR · offset account · redraw · no ongoing fee · 4 variants
6.54%#63 of 107comparison · 6.39% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $400
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · offset account · redraw · no ongoing fee · 2 variants
6.76%#34 of 80comparison · 6.84% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $400
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier
11.65%#68 of 68advertised · no comparison rate published
- Application fee
- $400
- Ongoing fee
- $10 a month
- Discharge fee
- None
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Variable · Interest Only · Investor
12.02%#80 of 80advertised · no comparison rate published
- Application fee
- $400
- Ongoing fee
- $10 a month
- Discharge fee
- None
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Fixed · 2
1yr Fixed · P&I · Owner-occupier · no ongoing fee
1y 6.52%6.52%#22 of 49comparison · 7.29% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $400
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
1yr Fixed · P&I · Investor · no ongoing fee · 4 variants
6.94%#23 of 43comparison · 7.39% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $400
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Notes on Bank of Sydney home loans
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