Provider
LiveBank of Sydney
As of 18 September 2026, Bank of Sydney has 10 products across three of the 8 pillars BankMate tracks: 1 savings account, 8 home loans and 1 term deposit. Its highest-placed product is BOS Basic Home Loan Owner Occupied at 6.23% comparison rate, 27th of 107 variable owner-occupier P&I loans. Its rates last moved on 3 June 2026.
- Pillars
- 3 of 8
- No credit cards, personal loans, superannuation…
- Products tracked
- 10
- 1 savings account · 8 home loans · 1 term deposit
- Highest placed
- #27
- BOS Basic Home Loan Owner Occupied · of 107 variable owner-occupier P&I loans
- Last change
- 3 June 2026
- 4 changes on record
What changed
4 changes across 2 pillars since 1 Mar 2026- Savings accountsBOS Saver 4.50 → 4.75Base 4.25% → 4.75%, bonus 0.25% → 0.00% · 28 days after the RBA rise to 4.35%+0.25
- Term depositsTerm Deposit · 3 terms up 0.103 days after the RBA rise to 4.35%+0.10
- Term depositsTerm Deposit · 2 terms up 0.4029 days after the RBA rise to 4.10%+0.40
- Savings accountsBOS Saver 4.25 → 4.50Bonus rate 0.00% → 0.25% · 15 days after the RBA rise to 4.10%+0.25
Savings accounts · 1
Total rate, conditions met · ranked among 94 accountsNo conditions
4.75%#65 of 94
Full savings accounts record for Bank of Sydney →
Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for Bank of Sydney · Compare all savings accounts
Home loans · 8
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
Show 1 more
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
Full home loans record for Bank of Sydney →
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
Term deposits · 1
Best rate per product, by term · ranked within each terminterest annually or monthly or at maturity or quarterly · from $0 · 11 terms
3 mo 3.85%6 mo 5.00%9 mo 4.00%1 yr 5.10%5.10%#161 of 5901 year
- 3 months
- 3.85% · #228 of 369
- 6 months
- 5.00% · #76 of 547
- 9 months
- 4.00% · #218 of 500
- 1 year
- 5.10% · #161 of 590
- Minimum deposit
- $0
- Interest paid
- Annually or Monthly or At maturity or Quarterly
- Early withdrawal
- Not allowed
Full term deposits record for Bank of Sydney →
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Bank of Sydney has no credit cards, personal loans, superannuation, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.
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