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Bank of Sydney · Home loan · Variable
LiveBOS Basic Home Loan Owner Occupied
As of 18 September 2026, the Bank of Sydney BOS Basic Home Loan Owner Occupied's variable owner-occupier P&I variant has a comparison rate of 6.23% (6.19% advertised), ranking 27th of 107 variable owner-occupier P&I loans and sitting 0.53 points below the market average of 6.76%. The product comes in 5 variants; the others are interest-only and other LVR bands.
6.23%comparison rate p.a.
6.19% advertised · Variable · P&I · Owner-occupier · 60–80% LVR
4 other variants: interest-only and other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · 60–80% LVR- BOS Basic Home Loan Owner Occupied · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.13% comparison · 6.09% advertised
- Variable · P&I · Owner-occupier · 60–80% LVR
- 6.23% comparison · 6.19% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 6.48% comparison · 6.44% advertised
- Variable · P&I · Owner-occupier · 90–95% LVR
- 7.03% comparison · 6.99% advertised
- Variable · Interest Only · Owner-occupier · 80–90% LVR
- 6.93% comparison · 6.89% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $400
- Redraw fee
- None
Features
Headline variant- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $100,000
About this product
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.