Interest
6.24%p.a.
Comparison*
Not available
Est. repayment
$3,075
LVR ≤50%
Bank of Sydney · Refinance · Updated November 2026
Bank of Sydney Refinance Home Loans, November 2026
Bank of Sydney lists 24 refinance home loans in the Ratesniffers index today. The lowest is 6.24% 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 refinance home loan rates, November 2026
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*
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
6.54%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
6.64%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 ≤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*
6.95%p.a.
Est. repayment
$3,273
LVR 80 to 90%
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
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
7.09%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.
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%
*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 · Refinance
Bank of Sydney refinance home loans, what to weigh
Bank of Sydney's refinance-eligible products. Compare against your existing rate plus exit costs. 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 refinance option has the same price.
See also Bank of Sydney's full product range, repayment calculator, and refinance savings calculator.