Interest
6.24%p.a.
Comparison*
Not available
Est. repayment
$3,075
LVR ≤50%
Bank of Sydney Home Loan Rates
Bank of Sydney lifted its variable home-loan rates by 0.25 percentage points from 15 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Tracked products
83
Variable product example
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Fixed product example
7.29%
A verified Bank of Sydney product example is Expect More Home Loan Fixed 1 Year Owner Occupied P&I: 7.29% p.a. (7.89% comparison rate), 12-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Fixed example comparison
7.89%
A verified Bank of Sydney product example is Expect More Home Loan Fixed 1 Year Owner Occupied P&I: 7.29% p.a. (7.89% comparison rate), 12-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Last updated
1 November 2026
Bank of Sydney is one of the Australian home-loan lenders we track daily. We currently surface 83 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?
Ratesniffers compares Bank of Sydney home loan products by comparison rate. A verified Bank of Sydney product example is Expect More Home Loan Fixed 1 Year Owner Occupied P&I: 7.29% p.a. (7.89% comparison rate), 12-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. 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?
A verified Bank of Sydney product example is Expect More Home Loan Fixed 1 Year Owner Occupied P&I: 7.29% p.a. (7.89% comparison rate), 12-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
How many home loan products does Bank of Sydney offer?
Ratesniffers currently tracks 83 Bank of Sydney home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 55 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 | 6.24% p.a. | n/a | 50% |
| Variable Owner-occupier P&I | 6.24% p.a. | n/a | 60% |
| Variable Owner-occupier P&I | 6.44% p.a. | n/a | 70% |
| Variable Owner-occupier P&I | 6.44% p.a. | n/a | 80% |
| Variable Owner-occupier P&I | 6.44% p.a. | 6.48% p.a. | 95% |
| Variable Investor P&I | 6.54% p.a. | n/a | 50% |
| Variable Investor P&I | 6.54% p.a. | n/a | 60% |
| Variable Owner-occupier P&I | 6.54% p.a. | 6.65% p.a. | 50% |
| Variable Owner-occupier P&I | 6.54% p.a. | 6.65% p.a. | 60% |
| Variable Owner-occupier P&I | 6.69% p.a. | n/a | 90% |
| Variable Owner-occupier P&I | 6.64% p.a. | 6.75% p.a. | 70% |
| Variable Owner-occupier P&I | 6.64% p.a. | 6.75% p.a. | 80% |
55 of 83 tracked Bank of Sydney home loan products
Interest
6.24%p.a.
Comparison*
Not available
Est. repayment
$3,075
LVR 50 to 60%
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR 60 to 70%
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 60 to 80%
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR ≤50%
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR 50 to 60%
Interest
6.54%p.a.
Comparison*
6.65%p.a.
Est. repayment
$3,174
LVR ≤50%
Interest
6.54%p.a.
Comparison*
6.65%p.a.
Est. repayment
$3,174
LVR 50 to 60%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR 80 to 90%
Interest
6.64%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,207
LVR 60 to 70%
Interest
6.64%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,207
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.79%p.a.
Est. repayment
$3,141
LVR 60 to 80%
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR ≤50%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR 50 to 60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 60 to 70%
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
6.89%p.a.
Est. interest only / month
$2,829
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.84%p.a.
Comparison*
6.95%p.a.
Est. repayment
$3,273
LVR not stated
Interest
6.84%p.a.
Comparison*
6.95%p.a.
Est. repayment
$3,273
LVR not stated
Interest
6.84%p.a.
Comparison*
6.95%p.a.
Est. repayment
$3,273
LVR ≤50%
Interest
6.84%p.a.
Comparison*
6.95%p.a.
Est. repayment
$3,273
LVR 50 to 60%
Interest
6.84%p.a.
Comparison*
6.95%p.a.
Est. repayment
$3,273
LVR 80 to 90%
Interest
6.44%p.a.
Comparison*
6.98%p.a.
Est. repayment
$3,141
LVR not stated
Interest
6.99%p.a.
Comparison*
Not available
Est. interest only / month
$2,913
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.99%p.a.
Comparison*
Not available
Est. interest only / month
$2,913
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.99%p.a.
Comparison*
Not available
Est. interest only / month
$2,913
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
7.01%p.a.
Est. interest only / month
$2,829
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.09%p.a.
Comparison*
Not available
Est. interest only / month
$2,954
LVR ≤50%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.09%p.a.
Comparison*
Not available
Est. interest only / month
$2,954
LVR 50 to 60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.09%p.a.
Comparison*
Not available
Est. interest only / month
$2,954
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 80 to 90%
Bank of SydneyBasic Home Loan Owner Occupied 80% - 90% LVR P&I (Professionals LMI Waiver)
VariableRedraw
Interest
7.14%p.a.
Comparison*
Not available
Est. repayment
$3,374
LVR 80 to 90%
Interest
7.09%p.a.
Comparison*
7.20%p.a.
Est. repayment
$3,357
LVR 60 to 70%
Interest
7.09%p.a.
Comparison*
7.20%p.a.
Est. repayment
$3,357
LVR 70 to 80%
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR 90 to 95%
Interest
7.29%p.a.
Comparison*
Not available
Est. interest only / month
$3,038
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.29%p.a.
Comparison*
Not available
Est. interest only / month
$3,038
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.29%p.a.
Comparison*
Not available
Est. interest only / month
$3,038
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Bank of SydneyExpect More Home Loan Owner Occupied 80% - 90% LVR P&I (Professional LMI Waiver)
VariableOffsetRedraw
Interest
7.19%p.a.
Comparison*
7.30%p.a.
Est. repayment
$3,391
LVR 80 to 90%
Interest
7.49%p.a.
Comparison*
7.21%p.a.
Est. interest only / month
$3,121
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.49%p.a.
Comparison*
7.17%p.a.
Est. interest only / month
$3,121
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.49%p.a.
Comparison*
Not available
Est. interest only / month
$3,121
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.49%p.a.
Comparison*
Not available
Est. interest only / month
$3,121
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.39%p.a.
Comparison*
7.50%p.a.
Est. repayment
$3,458
LVR 80 to 90%
Interest
7.39%p.a.
Comparison*
7.50%p.a.
Est. repayment
$3,458
LVR 90 to 95%
Interest
7.29%p.a.
Comparison*
7.83%p.a.
Est. repayment
$3,424
LVR ≤80%
Interest
7.29%p.a.
Comparison*
7.89%p.a.
Est. repayment
$3,424
LVR ≤80%
Interest
7.39%p.a.
Comparison*
7.94%p.a.
Est. repayment
$3,458
LVR not stated
Interest
7.39%p.a.
Comparison*
7.94%p.a.
Est. repayment
$3,458
LVR ≤80%
Interest
7.39%p.a.
Comparison*
8.00%p.a.
Est. repayment
$3,458
LVR not stated
Interest
7.39%p.a.
Comparison*
8.00%p.a.
Est. repayment
$3,458
LVR ≤80%
*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
Enter an interest rate from your actual offer or choose a rate to model. The starting 0% input is a placeholder, not a Bank of Sydney quote. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates, assume the entered rate remains unchanged, and exclude fees. Changes to these inputs do not establish product eligibility or approval.
The amount you want to borrow.
Use the interest rate, not the comparison rate. Change it to model an actual offer or your own scenario.
Use the term in your offer or choose the number of years to model.
Monthly repayment
—
Fortnightly repayment
—
Total interest
—
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.
Compare Bank of Sydney's product conditions and comparison rates with /home-loans. The available table does not establish a whole-market ranking or a personalised offer.
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 8 Oct 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?
Ratesniffers compares Bank of Sydney home loan products by comparison rate. A verified Bank of Sydney product example is Expect More Home Loan Fixed 1 Year Owner Occupied P&I: 7.29% p.a. (7.89% comparison rate), 12-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. Compare Bank of Sydney at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest Bank of Sydney home loan rate?
A verified Bank of Sydney product example is Expect More Home Loan Fixed 1 Year Owner Occupied P&I: 7.29% p.a. (7.89% comparison rate), 12-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
How much do you need to earn for a $500,000 Bank of Sydney home loan?
There is no single salary requirement for a Bank of Sydney home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish Bank of Sydney's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does Bank of Sydney's home loan rate compare to the market?
Compare Bank of Sydney's product conditions and comparison rates with /home-loans. The available table does not establish a whole-market ranking or a personalised offer.
How many home loan products does Bank of Sydney offer?
Ratesniffers currently tracks 83 Bank of Sydney home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 55 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?
Compare Bank of Sydney's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
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 1 November 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.