Home Loans Owner Occupier Interest Rates

You’ll find the interest rates for our owner occupied home loans on this page.

Campaign P&I Annual Rate Comparison Rate 1
P&I Variable Rate (>80% to 90% LVR LMI waived for select professionals*) 6.49% p.a. 6.53% p.a.
P&I Variable Rate (up to 95% LVR with LMI) 6.59% p.a. 6.63% p.a.
P&I Variable Rate (up to 90% LVR with LMI) 6.04% p.a. 6.08% p.a.
P&I Variable Rate (up to 80% LVR) 5.79% p.a. 5.83% p.a.
P&I Variable Rate (70% LVR) 5.79% p.a. 5.83% p.a.
P&I Variable Rate (60% LVR) 5.79% p.a. 5.83% p.a.
P&I Variable Rate (50% LVR) 5.79% p.a. 5.83% p.a.
Principal and Interest Annual Rate Comparison Rate 1
Variable Rate (up to 60% LVR) 5.79% p.a. 5.83% p.a.
BOS Basic Home Loan Annual Rate Comparison Rate 1
1 Year IO Rate (60% LVR) 6.29% p.a. 5.85% p.a.
1 Year IO Rate (70% LVR) 6.44% p.a. 5.89% p.a.
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Campaign Special Offer Annual Rate Comparison Rate 1
P&I Variable Rate (>80% to 90% LVR LMI waived for select professionals*) 6.54% p.a. 6.87% p.a.
P&I Variable Rate (95% LVR with LMI) 6.74% p.a. 6.89% p.a.
P&I Variable Rate (90% LVR with LMI) 6.19% p.a. 6.34% p.a.
P&I Variable Rate (80% LVR) 5.99% p.a. 6.14% p.a.
P&I Variable Rate (70% LVR) 5.99% p.a. 6.14% p.a.
P&I Variable Rate (60% LVR) 5.99% p.a. 6.14% p.a.
P&I Variable Rate (50% LVR) 5.99% p.a. 6.14% p.a.
Interest Only Annual Rate Comparison Rate 1
1 Year IO (60% LVR) 6.49% p.a. 6.19% p.a.
1 Year IO (70% LVR) 6.64% p.a. 6.21% p.a.
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Rate type Interest Rate
Special Rate Applicable 8.84% p.a.
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Rates current as of 21 May 2025

*The following professions may be eligible for the LMI waiver: Medical Professionals, Registered Accountants, Financial Analysts or Actuaries (CA,CPA, FIAA, and CFA), Registered Solicitors or Barristers, Registered Engineers and Commercial Pilots.

Medical professionals need to be accredited under the following accreditation authorities in Australia: Medical Board, Chiropractic Board, Dental Board, Medical Radiation Practice Board, Nursing and Midwifery Board, Optometry Board, Occupational Therapy Board, Osteopathy Board, Paramedicine Board ,Pharmacy Board, Physiotherapy Board, Podiatry Board, Psychology Board. N.B. – Veterinarians, and Psychiatrists are also approved as a medical professional.


 

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Standard lending criteria, fees and charges apply. Interest rates available as at  17 November 2023, and are subject to change without notice. The advertised interest rates are only available to new loans and excludes bridging loans, construction loans, 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.

**Redraw facility is available only after fixed period.

1 Comparison rate: is calculated on a loan amount of $150K for a term of 25 years based on monthly repayments. You should consider whether the loan is suitable for you. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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:

Lending Products TMD

More information about our product and services is available here.


Bank of Sydney Ltd ABN 44093488629 AFSL & Australian Credit Licence No. 243444