Home Loans Owner Occupier Interest Rates

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

Principal and Interest Annual Rate Comparison Rate 1
Variable Rate (up to 70% LVR) 2.94% p.a. 2.96% p.a.
Variable Rate (up to 80% LVR) 2.94% p.a. 3.37% p.a.
Variable Rate (80-90% LVR) 3.30% p.a. 3.72% p.a.
Fixed Rate 1 Year 2.79% p.a. 3.36% p.a.
Fixed Rate 2 Years 2.79% p.a. 3.34% p.a.
Fixed Rate 3 Years 2.79% p.a. 3.33% p.a.
Fixed Rate 5 Years 2.99% p.a. 3.39% p.a.
Campaign - Principal & Interest Annual Rate Comparison Rate 1
P&I (LVR <=80%) 2.29% p.a. 2.31% p.a.
Principal and Interest Annual Rate Comparison Rate 1
Variable Rate (up to 70% LVR) 2.84% p.a. 2.89% p.a.
Rate type Interest Rate
Special Rate Applicable 4.84% p.a.
Discount Rate 2.56% p.a.
Standard Variable Rate 7.40% p.a.
Rates current as of 25 October 2021

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*The Special Offer is only available to new borrowers applying for Expect More Investment Home Loans and excludes internal refinances or switches for existing loans with Bank of Sydney. The Special Offer applies a discount off of the Expect More Investment Home Loan for LVRs up to 80%, interest rates are subject to change. Minimum loan amount of $250,000. Annual Package Fee of $395.00 waived for the life of the loan applicable only for new variable rate loans that satisfy LVR and loan amount Special Offer conditions. Interest Only Special Offer loans revert to the special offer Expect More Investment Home Loan P&I variable rate at the end of interest only period. Interest Only Special Offer rates are available for a maximum term of three years. Standard lending criteria, fees and charges apply. Special Offer may be varied or terminated by BOS at any time.

Offer current as at 23/07/2021 and available to applications received by 31 October 2021 and settled by 31 January 2022.

**Redraw facility is available only after fixed period.

1 Comparison rate: is calculated on a loan amount of $150,000 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