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 (up to 70% LVR) 2.19% p.a. 2.21% p.a.
P&I Variable Rate (>70% to 80% LVR) 2.29% p.a. 2.31% p.a.
P&I Variable Rate (>80% to 90% LVR) 3.55% p.a. 3.97% p.a.
BOS Basic Home Loan Annual Rate Comparison Rate 1
P&I Variable Rate (up to 70% LVR) 2.14% p.a. 2.19% p.a.
P&I Variable Rate (>70% to 80% LVR) 2.21% p.a. 2.26% p.a.
Rate type Interest Rate
Special Rate Applicable 5.09% p.a.
Discount Rate 2.56% p.a.
Standard Variable Rate 7.65% p.a.
Rates current as of 18 May 2022

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Standard lending criteria, fees and charges apply. Interest rates available as at 5 April 2022. 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 are subject to change without notice.

**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