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 2.94 % p.a.
Comparison rate from 1 2.96 % 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 2.84 % p.a.
Comparison rate from 1 2.89 % 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 4.84 % 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 13 branches

Ask questions or give feedback via our online enquiry form.

Talk to one of our friendly staff between 9:30am – 5:00pm (AEST) Monday to Friday.

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.

Terms and Conditions, Fees & Charges and Lending Facilities Fees & Charges Guide apply and are documented in the Loan Terms and Conditions.

Deposit, Saving & Transaction Accounts Product Disclosure Statement (PDS) and Internet Banking Terms & Conditions.

These are available from any branch of Bank of Sydney, at or by calling (13 95 00). It is recommended that you read them prior to making any decisions as this advice is general and does not take into account specific individual needs.