Home loan · Variable
BOS Basic Home Loan
6.48%comparison rate p.a. · 6.44% advertised
Variable · P&I · Owner-occupier · 60–80% LVR
40th of 93 variable owner-occupier P&I loans
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
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $400
- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.28% comparison · 6.24% advertised
- Variable · P&I · Owner-occupier · 60–80% LVR
- 6.48% comparison · 6.44% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 6.73% comparison · 6.69% advertised
- Variable · P&I · Owner-occupier · 90–95% LVR
- 7.28% comparison · 7.24% advertised
- Variable · P&I · Investor · ≤60% LVR
- 6.58% comparison · 6.54% advertised
- Variable · P&I · Investor · 60–80% LVR
- 6.88% comparison · 6.84% advertised
- Variable · P&I · Investor · 80–90% LVR
- 7.18% comparison · 7.14% advertised
- Variable · Interest Only · Investor · ≤60% LVR
- 6.60% comparison · 6.79% advertised
- Variable · Interest Only · Investor · 60–80% LVR
- 6.89% comparison · 6.99% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $400
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $100,000
- BOS Basic Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
October 20262 changes
- 16Fri
- 5 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 P&I · 60–80% LVR 6.63 6.88 +0.25 P&I · 80–90% LVR 6.43 7.18 +0.75 Interest Only · ≤60% LVR 6.46 6.60 +0.14 Interest Only · 60–80% LVR 6.64 6.89 +0.25 - 4 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
Looking to buy a new home and want to keep things simple? Our BOS Basic Home Loan, with no fees and a competitive interest rate, is the one for you.
Also from Bank of Sydney: Expect More Home Loan Fixed 6.10% · Expect More Home Loan 6.79%
As of 1 November 2026, the Bank of Sydney BOS Basic Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.48% (6.44% advertised), ranking 40th of 93 variable owner-occupier P&I loans and sitting 0.10 points below the market average of 6.58%. The product comes in 9 variants; the others are investor, interest-only and other LVR bands. Its rate 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.