Bank of Sydney home loan interest rates for owner-occupier principal & interest loans — 2 products, variable and fixed, with comparison rates, fees and current offers. Updated 2026-09-16.
| Loan | Variable | Fixed (duration) | Comparison | Fees | Special offers |
|---|---|---|---|---|---|
| BOS Basic Home Loan auto-updated 2026-09-16 | 6.09% | — | 6.13% | No monthly or annual fees. Settlement fee $200 and legal fees $250 plus $100 per additional security; valuation fees up to $420 covered by the bank. | ★ No monthly or annual fees ★ Free redraw via Internet Banking, no cost for extra repayments ★ Valuation fees up to $420 covered by the bank |
| Expect More Home Loan auto-updated 2026-09-16 | 6.29% | — | 6.44% | $125/yr; Package fee $125 p.a. per offset account. Settlement fee $200; valuation fees up to $420 covered by the bank. | ★ 100% offset account with free redraw ★ Fixed and variable rate options available ★ Mozo Expert Choice Awards 2023 — Low-Cost & Offset Home Loan |
About Bank of Sydney
Bank of Sydney is an Australian deposit-taking bank (ADI), formerly Beirut Hellenic Bank, with retail branches in Sydney, Melbourne and Adelaide. Its owner-occupier range is the no-frills BOS Basic Home Loan and the offset-equipped Expect More Home Loan. Rates shown are owner-occupier, principal & interest at LVR 60% or below.
- Website: www.banksyd.com.au
- Contact: 13 95 00 (Mon-Fri); branches in Sydney, Melbourne and Adelaide
Current Bank of Sydney rates: lowest variable 6.09%.
Rate source: https://www.banksyd.com.au/interest-rates/home-loans.