Home Loans Owner Occupied Interest Rates

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

Principal & Interest Annual Rate Comparison Rate 1
P&I Variable Rate (95% LVR with LMI) 7.09% p.a. 7.23% p.a.
P&I Variable Rate (90% LVR with LMI) 6.54% p.a. 6.69% p.a.
P&I Variable Rate (80% LVR) 6.34% p.a. 6.49% p.a.
P&I Variable Rate (70% LVR) 6.34% p.a. 6.49% p.a.
P&I Variable Rate (60% LVR) 6.24% p.a. 6.39% p.a.
P&I Variable Rate ( 50% LVR) 6.24% p.a. 6.39% p.a.
Interest Only Annual Rate Comparison Rate 1
Variable Rate 1 Year (Up to 60% LVR) 6.74% p.a. 6.44% p.a.
Variable Rate 1 Year (>60% to 70% LVR) 6.89% p.a. 6.63% p.a.
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BOS Basic Home Loan Annual Rate Comparison Rate 1
P&I Variable Rate (95% LVR with LMI) 6.84% p.a. 6.88% p.a.
P&I Variable Rate (90% LVR with LMI) 6.39% p.a. 6.43% p.a.
P&I Variable Rate (80% LVR) 6.14% p.a. 6.18% p.a.
P&I Variable Rate (70% LVR) 6.14% p.a. 6.18% p.a.
P&I Variable Rate (60% LVR) 6.04% p.a. 6.08% p.a.
P&I Variable Rate (50% LVR) 6.04% p.a. 6.08% p.a.
BOS Basic Home Loan Annual Rate Comparison Rate 1
1 Year IO Rate (60% LVR) 6.54% p.a. 6.13% p.a.
1 Year IO Rate (70% LVR) 6.69% p.a. 6.23% p.a.
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Rate type Interest Rate
Special Rate Applicable 9.09% p.a.
Discount Rate 2.56% p.a.
Standard Variable Rate 11.65% p.a.
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Rates current as of 18 January 2025

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Standard lending criteria, fees and charges apply. Interest rates available as at 10 May2023, 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.

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