BOS Basic Home Loan Owner Occupied
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 60–80%
Bank of Sydney Home Loan Rates
Active products
16
Lowest variable
6.09%
Lowest fixed
7.29%
Lowest comparison
6.13%
Last updated
28 July 2026
Bank of Sydney is one of the Australian home-loan lenders we track daily. We currently surface 16 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 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 15 Bank of Sydney products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does Bank of Sydney offer?
Ratesniffers currently tracks 15 Bank of Sydney home loan products across variable, fixed and interest-only options for owner-occupiers and investors. 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. | 6.13% p.a. | 95% |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | 100% |
| Variable Investor P&I | 6.39% p.a. | 6.43% p.a. | 100% |
| Variable Investor P&I | 6.39% p.a. | 6.43% p.a. | 100% |
| Variable Owner-occupier interest-only | 6.69% p.a. | 6.73% p.a. | 90% |
| Variable Investor interest-only | 6.69% p.a. | 6.73% p.a. | 100% |
| Variable Investor interest-only | 6.69% p.a. | 6.73% p.a. | 100% |
| Variable Owner-occupier interest-only | 6.69% p.a. | 6.73% p.a. | 100% |
| Variable Investor interest-only | 6.69% p.a. | 6.73% p.a. | 100% |
| Fixed 1-year Owner-occupier P&I | 7.29% p.a. | 7.33% p.a. | 100% |
| Fixed 2-year Owner-occupier P&I | 7.29% p.a. | 7.33% p.a. | 100% |
| Fixed 1-year Investor P&I | 7.39% p.a. | 7.43% p.a. | 100% |
15 Bank of Sydney home loan products
Expect More Home Loan Owner Occupied
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 60–80%
BOS Basic Investment Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR —
Expect More Home Loan Investment
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR —
BOS Basic Home Loan Owner Occupied
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR 80–90%
BOS Basic Investment Home Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR —
Expect More Home Loan Investment
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR —
Home Equity Maximiser Owner Occupied
Owner-occupierVariableInterest only
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR —
Home Equity Maximiser Investment
InvestorVariableInterest only
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR —
Expect More Home Loan Owner Occupied - Fixed
Owner-occupier1y FixedP&I
Interest
7.29%p.a.
Comparison*
7.33%p.a.
Monthly repayment
$3,424
LVR —
Expect More Home Loan Owner Occupied - Fixed
Owner-occupier2y FixedP&I
Interest
7.29%p.a.
Comparison*
7.33%p.a.
Monthly repayment
$3,424
LVR —
Expect More Home Loan Investment - Fixed
Investor1y FixedP&I
Interest
7.39%p.a.
Comparison*
7.43%p.a.
Monthly repayment
$3,458
LVR —
Expect More Home Loan Investment - Fixed
Investor2y FixedP&I
Interest
7.39%p.a.
Comparison*
7.43%p.a.
Monthly repayment
$3,458
LVR —
Expect More Home Loan Investment - Fixed
Investor2y FixedInterest only
Interest
7.49%p.a.
Comparison*
7.53%p.a.
Monthly repayment
$3,493
LVR —
Expect More Home Loan Investment - Fixed
Investor1y FixedInterest only
Interest
7.49%p.a.
Comparison*
7.53%p.a.
Monthly repayment
$3,493
LVR —
Negotiate Bank of Sydney rates with a broker
Advertised rates aren't always the rate Bank of Sydney actually approves. Our broker negotiates against your specific scenario, no fee.
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.
Background facts checked 21 July 2026. Rates above refresh independently.
Bank of Sydney home loans: frequently asked questions
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 15 Bank of Sydney products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Bank of Sydney approves, a broker can often negotiate a sharper deal on your scenario.
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 in line with the market median of 6.09% p.a. 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 16 Bank of Sydney home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 15 that pass our data-quality checks on this page. Every rate is refreshed daily 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 6.13% 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 28 July 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.
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