Looking to buy a new home? Whether it's your first home or your dream home, our expert staff are here to help every step of the way, from application to approval and beyond, making the process as seamless as possible.

Our BOS Basic Home Loan, with a competitive interest rate and no ongoing fees could be the one for you.


Featured Offer
BOS Basic Home Loan

Owner Occupied - Principal & Interest (LVR Up to 60%)

With Principal and Interest Repayments, you can get straight into paying off your home loan.


Key Features

No monthly or annual fees

Pay off your loan sooner with no costs for extra repayments

Free redraw facility available via Internet Banking**

BOS Basic Home Loan Interest Rate Comparison Rate 1
P&I Variable Rate (80% LVR) 6.09% p.a. 6.11% p.a.
P&I Variable Rate (70% LVR) 6.09% p.a. 6.11% p.a.
P&I Variable Rate (60% LVR) 6.09% p.a. 6.11% p.a.
P&I Variable Rate (50% LVR) 6.09% p.a. 6.11% p.a.
Ongoing Fee $0.00
Application Fee $600.00 (waived)
Discharge of Mortgage Fee $300 (plus legal costs)
Variation Fee $300.00
Settlement Fee $150.00
Legal Fees Maximum value of $475.00 cover by BOS
Valuation Fees Up to $420.00 per application covered by BOS

Calculate the cost of your loan

Our Key Facts Sheet is designed to help you choose the home loan that’s right for you. Simply select the relevant loan type from our Owner Occupied Home Loans drop-down menu, then input your desired loan amount and loan term to view the lifetime cost, interest rates and repayments applicable to your loan

Key Fact Sheet


Relationship Managers that understand your needs

At Bank of Sydney we offer our customers a dedicated Relationship Manager.

Your livelihood and finances are really important. That’s why we have dedicated Relationship Managers available to our customers, so that you can have a real conversation with a real person. No matter where you are, or what you do, our Relationship Managers are with you for good, to make sure you  get the support you need to get where you want to be.

Anthony Antoniou_square.jpg
Anthony Antoniou

Senior Relationship Manager


0403 777 159



Request a call back

Please complete the form below and one of our Relationship Managers will be in touch shortly.


Things to keep in mind

Please note, all applications are subject to meeting lending criteria and Bank of Sydney approval. The BOS Basic Home Loan featured offer is available to:

  • New applications only 
  • Minimum loan amount $100K 
  • LVR up to 60%
  • Principal & Interest repayments


Standard lending criteria, fees and charges apply. Interest rates available as at 19 June 2023, and are subject to change without notice. The advertised interest rates are only available to new loans and excludes internal refinances or switches for existing loans with Bank of Sydney. The advertised rates include a discount off our standard variable rates for owner occupied and investment home loans. Standard variable rates may change over time. The discount off the standard variable rate applicable to your loan will be included in our loan offer. Talk to your lender for more information. Interest rates as stated are subject to change which can occur prior to the settlement of your loan.

1 The comparison rate is based on a secured loan of $150K over a term of 25 years. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Any advice or information does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you.

All applications subject to meeting lending criteria and Bank of Sydney approval.

Please take a moment to read through the below information before applying, as this advice is general and does not take into account specific individual needs.

Consumer Loan Terms & Conditions

Lending Facilities Fees & Charges Guide

Target Market Determination (TMD) for these products is available here.

More information about our products and services is available here.

Bank of Sydney Ltd ABN 44 0934 88 629 AFSL & Australian Credit Licence 243444