Interest
6.09%p.a.
Comparison*
Not available
Est. repayment
$3,027
LVR ≤50%
Bank of Sydney Home Loan Rates
Tracked products
82
Lowest variable
6.09%
Lowest fixed
7.29%
Lowest comparison
6.31%
Last updated
11 Sept 2026
Bank of Sydney is one of the Australian home-loan lenders we track daily. We currently surface 82 active products from Bank of Sydney, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What are Bank of Sydney home loan rates?
Bank of Sydney home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.09% p.a. and the lowest fixed rate currently 7.29% p.a., checked daily (last verified 11 Sept 2026). Compare Bank of Sydney against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Bank of Sydney home loan rate?
The lowest Bank of Sydney variable home loan rate Ratesniffers tracks is 6.09% p.a., and the lowest fixed rate is 7.29% p.a. These figures come from the 39 Bank of Sydney products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does Bank of Sydney offer?
Ratesniffers currently tracks 82 Bank of Sydney home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 39 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Bank of Sydney home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.09% p.a. | n/a | 50% |
| Variable Owner-occupier P&I | 6.09% p.a. | n/a | 60% |
| Variable Owner-occupier P&I | 6.19% p.a. | n/a | 70% |
| Variable Owner-occupier P&I | 6.19% p.a. | n/a | 80% |
| Variable Owner-occupier P&I | 6.19% p.a. | 6.31% p.a. | 95% |
| Variable Owner-occupier P&I | 6.19% p.a. | 6.31% p.a. | n/a |
| Variable Investor P&I | 6.39% p.a. | n/a | 50% |
| Variable Investor P&I | 6.39% p.a. | n/a | 60% |
| Variable Owner-occupier P&I | 6.29% p.a. | 6.41% p.a. | 50% |
| Variable Owner-occupier P&I | 6.29% p.a. | 6.41% p.a. | 60% |
| Variable Owner-occupier P&I | 6.44% p.a. | n/a | 90% |
| Variable Investor P&I | 6.59% p.a. | n/a | 70% |
39 of 82 tracked Bank of Sydney home loan products
Interest
6.09%p.a.
Comparison*
Not available
Est. repayment
$3,027
LVR 50 to 60%
Interest
6.19%p.a.
Comparison*
Not available
Est. repayment
$3,059
LVR 60 to 70%
Interest
6.19%p.a.
Comparison*
Not available
Est. repayment
$3,059
LVR 70 to 80%
Interest
6.19%p.a.
Comparison*
6.31%p.a.
Est. repayment
$3,059
LVR 60 to 80%
Interest
6.19%p.a.
Comparison*
6.31%p.a.
Est. repayment
$3,059
LVR 60 to 80%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤50%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR 50 to 60%
Interest
6.29%p.a.
Comparison*
6.41%p.a.
Est. repayment
$3,092
LVR ≤50%
Interest
6.29%p.a.
Comparison*
6.41%p.a.
Est. repayment
$3,092
LVR 50 to 60%
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR 80 to 90%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR 60 to 70%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR 70 to 80%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR not stated
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤50%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR 50 to 60%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤60%
Interest
6.59%p.a.
Comparison*
6.70%p.a.
Est. repayment
$3,190
LVR not stated
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR 60 to 70%
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR 70 to 80%
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR 60 to 70%
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR ≤50%
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 50 to 60%
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR ≤60%
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 80 to 90%
Bank of SydneyBasic Home Loan Owner Occupied 80% - 90% LVR P&I (Professionals LMI Waiver)
VariableRedraw
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 80 to 90%
Interest
6.69%p.a.
Comparison*
6.93%p.a.
Est. repayment
$3,223
LVR 80 to 90%
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR 90 to 95%
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 60 to 70%
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 70 to 80%
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR 60 to 70%
Interest
7.49%p.a.
Comparison*
7.01%p.a.
Est. repayment
$3,493
LVR not stated
Interest
7.49%p.a.
Comparison*
6.95%p.a.
Est. repayment
$3,493
LVR not stated
Interest
7.49%p.a.
Comparison*
Not available
Est. repayment
$3,493
LVR ≤80%
Interest
7.49%p.a.
Comparison*
Not available
Est. repayment
$3,493
LVR ≤80%
Interest
7.29%p.a.
Comparison*
7.64%p.a.
Est. repayment
$3,424
LVR not stated
Interest
7.29%p.a.
Comparison*
7.67%p.a.
Est. repayment
$3,424
LVR not stated
Interest
7.39%p.a.
Comparison*
7.75%p.a.
Est. repayment
$3,458
LVR not stated
Interest
7.39%p.a.
Comparison*
7.78%p.a.
Est. repayment
$3,458
LVR not stated
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Bank of Sydney home loan repayment calculator
Pre-filled with Bank of Sydney's lowest advertised variable rate in the table above, 6.09% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
Bank of Sydney's lowest variable today: 6.09%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,027
Fortnightly repayment
$1,397
Total interest
$589,628
30 years at 6.09% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
Who is Bank of Sydney?
Bank of Sydney began its Australian life in 2001 as Beirut Hellenic Bank, serving Greek-Australian and Lebanese-Australian communities in Sydney and Melbourne, and took its current name in 2012 as it broadened to the mainstream market. It remains closely connected to Australia's Greek and Cypriot communities.
It runs a relationship-banking model with branches in Sydney, Melbourne and Adelaide, positioning service and community ties as its difference from the majors.
Who suits a Bank of Sydney home loan?
Bank of Sydney tends to suit borrowers who value a relationship-led bank, including family businesses and community members who want a banker who knows them. Its rates are competitive without leading the market, so check the live comparison above.
Bank of Sydney's lowest variable rate today is 6.09% p.a., 15 basis points below the 6.24% p.a. median across the lenders Ratesniffers tracks, computed daily from the same live feed as the table above.
Background facts checked 21 July 2026. Rates above refresh independently.
Bank of Sydney fees, offset and limits at a glance
- Application or establishment fee
- Nil application fees for Expect More Home Loan and Basic Home Loan.…
- Discharge fee
- $400
- Settlement fee
- $200
- Additional valuation fee
- $420
- Rate lock fee
- 0.20% min $395
- Loan portability
- $0 under EMHL
- Offset account
- 100%
- Minimum offset balance
- No minimum
- Lenders mortgage insurer
- QBE
- Capitalising LMI
- Up to LVR 90% depending on product and postcode location
- Maximum total lending
- Case by case depends on servicability
- Extra repayments on fixed
- Up to $10,000 pa
- When the fixed rate is locked
- Under rate lock 90 days or at date of settlement
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Bank of Sydney home loans: frequently asked questions
What are Bank of Sydney home loan rates?
Bank of Sydney home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.09% p.a., and the lowest fixed rate is 7.29% p.a., checked daily (last verified 11 Sept 2026). Compare Bank of Sydney against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Bank of Sydney balance, use /calculators/extra-repayment.
What is the lowest Bank of Sydney home loan rate?
Bank of Sydney's lowest variable home loan rate is currently 6.09% p.a., and its lowest fixed rate is 7.29% p.a., based on the 39 Bank of Sydney products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate Bank of Sydney approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Bank of Sydney home loan?
At Bank of Sydney's lowest variable rate of 6.09% p.a., a $600,000 principal and interest loan over 30 years repays about $3,632 a month, and $500,000 about $3,027. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Bank of Sydney home loan?
There is no single salary. Like every Australian lender, Bank of Sydney must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.09% p.a. is assessed at about 9.09% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Bank of Sydney's home loan rate compare to the market?
Bank of Sydney's lowest variable home loan rate today is 6.09% p.a., which is 15 basis points below the market median of 6.24% p.a., which puts Bank of Sydney among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Bank of Sydney sits right now rather than a fixed snapshot.
How many home loan products does Bank of Sydney offer?
Ratesniffers currently tracks 82 Bank of Sydney home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 39 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Bank of Sydney competitive for refinancing?
It depends on your loan size and LVR. Bank of Sydney's lowest comparison rate is currently 6.31% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Bank of Sydney against the sharpest available rate usually pays off.
How often are Bank of Sydney's home loan rates updated?
Ratesniffers refreshes Bank of Sydney's home loan rates daily; this page was last updated 11 Sept 2026. Rates can change whenever Bank of Sydney reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.