Bank of Sydney home loans
3 home loans with 9 options: variable or fixed from 1 to 2 years, for owner-occupiers or investors, paying principal and interest or interest only, with rates by deposit size. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.
- BOS Basic Home LoanRedraw · no ongoing fee6.48%
- Expect More Home LoanOffset account · redraw · no ongoing fee6.79%
- Expect More Home Loan FixedNo ongoing fee–
The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.
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.
October 20265 changes
- 16Fri
- BOS Basic Investment Home Loan5 variants up 0.14 to 0.7516 days after the RBA rise to 4.60%+0.14 to +0.75All Variable · Investor
P&I · ≤60% LVR 6.43 6.58 +0.15 Interest Only · ≤60% LVR 6.46 6.60 +0.14 P&I · 60–80% LVR 6.63 6.88 +0.25 Interest Only · 60–80% LVR 6.64 6.89 +0.25 P&I · 80–90% LVR 6.43 7.18 +0.75 - BOS Basic Home Loan Owner Occupied4 variants up 0.15 to 0.2516 days after the RBA rise to 4.60%+0.15 to +0.25All Variable · P&I · Owner-occupier
≤60% LVR 6.13 6.28 +0.15 60–80% LVR 6.23 6.48 +0.25 80–90% LVR 6.48 6.73 +0.25 90–95% LVR 7.03 7.28 +0.25 - Expect More Home Loan Investment5 variants up 0.25 to 0.4716 days after the RBA rise to 4.60%+0.25 to +0.47All Variable · Investor
P&I · 60–80% LVR 6.98 7.23 +0.25 Interest Only · ≤60% LVR 6.76 7.01 +0.25 Interest Only · 60–80% LVR 7.01 7.26 +0.25 P&I · 80–90% LVR 7.28 7.53 +0.25 Interest Only · ≤90% LVR 6.92 7.39 +0.47 - Expect More Home Loan Owner Occupied4 variants up 0.24 to 0.2516 days after the RBA rise to 4.60%+0.24 to +0.25All Variable · P&I · Owner-occupier
≤60% LVR 6.44 6.69 +0.25 60–80% LVR 6.54 6.79 +0.25 80–90% LVR 6.74 6.98 +0.24 90–95% LVR 7.28 7.53 +0.25 - Expect More Home Loan Investment - Fixed4 variants up 0.20 to 0.2216 days after the RBA rise to 4.60%+0.20 to +0.22All Investor · ≤80% LVR
2yr Fixed · P&I 6.99 7.19 +0.20 1yr Fixed · P&I 6.94 7.16 +0.22 1yr Fixed · Interest Only 6.95 7.17 +0.22 2yr Fixed · Interest Only 7.01 7.21 +0.20
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report
Notes on Bank of Sydney home loans
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As of 1 November 2026, Bank of Sydney has three home loan products in 25 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.48% (BOS Basic Home Loan), ranking 40th of 93 variable owner-occupier P&I loans and sitting 0.10 points below the market average of 6.58%. Its rates last moved on 16 October 2026, 16 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.