Investment Home Loans Interest Rates

You’ll find all the interest rates for our investment home loans on this page.

Principal & Interest	Annual Rate	Comparison Rate ¹
Variable Rate (up to 80% LVR)	3.50% p.a.	3.91% p.a.
Variable Rate (80-90% LVR)	4.30% p.a.	4.69% p.a.
Fixed Rate 1 Year	3.15% p.a.	3.88% p.a.
Fixed Rate 2 Years	3.15% p.a.	3.85% p.a.
Fixed Rate 3 Years	3.15% p.a.	3.83% p.a.
Fixed Rate 5 Years	3.35% p.a.	3.85% p.a.

Interest Only	Annual Rate	Comparison Rate ¹
Variable Rate 1 Year	3.60% p.a.	3.92% p.a.
Variable Rate 2 Years	3.60% p.a.	3.93% p.a.
Variable Rate 3 Years	3.60% p.a.	3.94% p.a.
Variable Rate 4 Years	3.60% p.a.	3.95% p.a.
Variable Rate 5 Years	3.60% p.a.	3.95% p.a.
Fixed Rate 1 Year	3.35% p.a.	3.90% p.a.
Fixed Rate 2 Years	3.35% p.a.	3.89% p.a.
Fixed Rate 3 Years	3.35% p.a.	3.88% p.a.
Fixed Rate 5 Years	3.65% p.a.	3.97% p.a.

Campaign - Special Offer	Annual Rate	Comparison Rate ¹
P&I (LVR < 70%)	2.59% p.a.	2.61% p.a.
P&I (LVR 70-80%)	2.69% p.a.	2.71% p.a.
1 Year IO (LVR < 70%)	2.59% p.a.	3.44% p.a.
2 Years IO (LVR < 70%)	2.59% p.a.	3.36% p.a.
3 Years IO (LVR < 70%)	2.59% p.a.	3.29% p.a.
1 Year IO (LVR 70-80%)	2.69% p.a.	3.44% p.a.
2 Years IO (LVR 70-80%)	2.69% p.a.	3.38% p.a.
3 Years IO (LVR 70-80%)	2.69% p.a.	3.31% p.a.

View product detail

Principal & Interest	Annual Rate	Comparison Rate ¹
Variable Rate (up to 70% LVR)	3.20% p.a.	3.25% p.a.

Interest Only	Annual Rate	Comparison Rate ¹
Variable Rate 1 Year	3.40% p.a.	3.27% p.a.
Variable Rate 2 Years	3.40% p.a.	3.29% p.a.
Variable Rate 3 Years	3.40% p.a.	3.31% p.a.
Variable Rate 4 Years	3.40% p.a.	3.32% p.a.
Variable Rate 5 Years	3.40% p.a.	3.33% p.a.

View product detail

Principal & Interest	Annual Rate
Standard Variable Rate	7.77% p.a.
Discount	2.56% p.a.
Special Rate Applicable	5.21% p.a.

View product detail

Rates current as of 13 April 2021

Visit our friendly staff at one of our branches

Find a branch near you

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.

*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, according to the LVR bracket as disclosed, interest rates are subject to change. Minimum aggregated loan amount of $250,000 and maximum loan amount of $1,000,000.00. 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 prevailing 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 08/03/2021 and available to applications received by 31 May 2021 and settled by 31 August 2021.
**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

More information about our product and services is available here.

Bank of Sydney Ltd ABN 44093488629 AFSL & Australian Credit Licence No. 243444