Bank of Sydney · Owner-occupier · Updated September 2026

Bank of Sydney Owner-occupier Home Loans, September 2026

Bank of Sydney lists 22 owner occupier home loans in the Ratesniffers index today. The lowest is 6.09% p.a., on Basic Home Loan Owner Occupied <50% LVR P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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Bank of Sydney owner occupier home loan rates, September 2026

Bank of SydneyBasic Home Loan Owner Occupied <50% LVR P&I

VariableRedraw

Interest

6.09%p.a.

Comparison*

Not available

Est. repayment

$3,027

LVR ≤50%

Enquire

Bank of SydneyBasic Home Loan Owner Occupied 50% - 60% LVR P&I

VariableRedraw

Interest

6.09%p.a.

Comparison*

Not available

Est. repayment

$3,027

LVR 50 to 60%

Enquire

Bank of SydneyBasic Home Loan Owner Occupied 60% - 70% LVR P&I

VariableRedraw

Interest

6.19%p.a.

Comparison*

Not available

Est. repayment

$3,059

LVR 60 to 70%

Enquire

Bank of SydneyBasic Home Loan Owner Occupied 70% - 80% LVR P&I

VariableRedraw

Interest

6.19%p.a.

Comparison*

Not available

Est. repayment

$3,059

LVR 70 to 80%

Enquire

Bank of SydneyBOS Basic Home Loan Owner Occupied

VariableRedraw

Interest

6.19%p.a.

Comparison*

6.31%p.a.

Est. repayment

$3,059

LVR 60 to 80%

Enquire

Bank of SydneyExpect More Home Loan Owner Occupied

VariableOffsetRedraw

Interest

6.19%p.a.

Comparison*

6.31%p.a.

Est. repayment

$3,059

LVR 60 to 80%

Enquire

Bank of SydneyExpect More Home Loan Owner Occupied <50% LVR P&I

VariableOffsetRedraw

Interest

6.29%p.a.

Comparison*

6.41%p.a.

Est. repayment

$3,092

LVR ≤50%

Enquire

Bank of SydneyExpect More Home Loan Owner Occupied 50% - 60% LVR P&I

VariableOffsetRedraw

Interest

6.29%p.a.

Comparison*

6.41%p.a.

Est. repayment

$3,092

LVR 50 to 60%

Enquire

Bank of SydneyExpect More Home Loan Owner Occupied <50% LVR P&I

VariableOffsetRedraw

Interest

6.29%p.a.

Comparison*

6.41%p.a.

Est. repayment

$3,092

LVR ≤50%

Enquire

Bank of SydneyExpect More Home Loan Owner Occupied 50% - 60% LVR P&I

VariableOffsetRedraw

Interest

6.29%p.a.

Comparison*

6.41%p.a.

Est. repayment

$3,092

LVR 50 to 60%

Enquire

Bank of SydneyBasic Home Loan Owner Occupied 80% - 90% LVR P&I

VariableRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR 80 to 90%

Enquire

Bank of SydneyBasic Home Loan Owner Occupied <60% LVR IO

VariableRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR ≤60%

Enquire

Bank of SydneyBasic Home Loan Owner Occupied 60% - 70% LVR IO

VariableRedraw

Interest

6.74%p.a.

Comparison*

Not available

Est. repayment

$3,240

LVR 60 to 70%

Enquire

Bank of SydneyExpect More Home Loan Owner Occupied <60% LVR IO

VariableOffsetRedraw

Interest

6.84%p.a.

Comparison*

Not available

Est. repayment

$3,273

LVR ≤60%

Enquire

Bank of SydneyExpect More Home Loan Owner Occupied <60% LVR IO

VariableOffsetRedraw

Interest

6.84%p.a.

Comparison*

Not available

Est. repayment

$3,273

LVR ≤60%

Enquire

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%

Enquire

Bank of SydneyBOS Basic Home Loan Owner Occupied

VariableRedraw

Interest

6.69%p.a.

Comparison*

6.93%p.a.

Est. repayment

$3,223

LVR 80 to 90%

Enquire

Bank of SydneyBasic Home Loan Owner Occupied 90% - 95% LVR P&I

VariableRedraw

Interest

6.99%p.a.

Comparison*

Not available

Est. repayment

$3,323

LVR 90 to 95%

Enquire

Bank of SydneyExpect More Home Loan Owner Occupied 60% - 70% LVR IO

VariableOffsetRedraw

Interest

7.04%p.a.

Comparison*

Not available

Est. repayment

$3,340

LVR 60 to 70%

Enquire

Bank of SydneyExpect More Home Loan Owner Occupied 60% - 70% LVR IO

VariableOffsetRedraw

Interest

7.04%p.a.

Comparison*

Not available

Est. repayment

$3,340

LVR 60 to 70%

Enquire

Bank of SydneyExpect More Home Loan Owner Occupied - Fixed

2y Fixed

Interest

7.29%p.a.

Comparison*

7.64%p.a.

Est. repayment

$3,424

LVR not stated

Enquire

Bank of SydneyExpect More Home Loan Owner Occupied - Fixed

1y Fixed

Interest

7.29%p.a.

Comparison*

7.67%p.a.

Est. repayment

$3,424

LVR not stated

Enquire

*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 · Owner-occupier

Bank of Sydney owner-occupier home loans, what to weigh

Bank of Sydney's owner-occupier panel, P&I and offset-eligible products at every LVR band, ranked sharpest-first by comparison rate. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every owner-occupier option has the same price.