Couple gets keys to their new home

Home Loans

Couple gets keys to their new home

Get into your new home with a Bank of Sydney home loan. Whether it’s your first place or the one you’ll be in forever, we’re passionate about helping our customers into their dream homes.


Expect More Home Loan

Need a few more features than the standard home loan? Our Expect More Home Loan is the one for you. It includes fixed or variable interest rates, an offset account and redraw facility.

  • Fee-free redraw facility through Internet Banking
  • 100% offset account available
  • Fixed or Variable rate options
Annual rate from 6.29 % p.a.
Comparison rate from 1 6.44 % p.a.
BOS Basic Home Loan

Looking to buy a new home and want to keep things simple? Our BOS Basic Home Loan, with no fees and a competitive interest rate, is the one for you.

  • No monthly or annual fees
  • Fee-free redraw facility through Internet Banking
  • Make extra repayments any time with no extra cost
Annual rate from 6.14 % p.a.
Comparison rate from 1 6.18 % p.a.
Home Equity Maximiser

Reach your goals sooner by using the existing equity in your home and a Home Equity Maximiser line of credit.

  • Only pay interest on the funds you use each month
  • Flexible repayment options available
  • Link a Visa Debit card to access your line of credit at any time
Annual rate from 9.09 % p.a.

Calculate your borrowing capacity

Find out how much you’ll be able to borrow towards your new home.

What are my repayments?

Calculate your potential monthly, fortnightly or weekly home loan repayments.

What if I make extra repayments?

Find out how much you’ll save over the life of your loan with extra repayments.

Useful Guides

Refinance with Bank of Sydney

It’s easy to make the switch to Bank of Sydney and find a home loan that better suits your needs.

Build or Renovate your property

Our guide to building or renovating your property is full of helpful tips to get you started.

We're here to help

Visit our friendly staff at one of our branches

Secure message via Internet Banking

Talk to one of our friendly staff Mon-Fri, 9am-5pm AEST (Excluding Public Holidays). Call 13 95 00

Standard lending criteria, fees and charges apply. Interest rates available as at 17 November 2023. 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 rate for owner occupied or investment home loans. 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 product and services is available here.