Walking towards your next home loan

Refinancing your home loan

Walking towards your next home loan

If you’re thinking about refinancing your home loan, consider Bank of Sydney. We have competitive rates, low fees and helpful personal service. Our dedicated Relationship Managers or Home Loan Specialists can guide you through the process and help with information and products including offset accounts, fixed rate offerings and interest-only periods.

Before you dive into the process, there are some key things to think about. It’s worth using the steps below as an overview and checklist.

Review your current situation

As a first step, review the terms of your existing loan and compare with other offers in the market.

Take a look at our competitve home loans and investment home loans to find out how much you could save. 

Find out more


Consider your costs

Consider the costs involved in refinancing which could include:

  • Application or settlement fees
  • Discharge or exit fees
  • Lenders Mortgage Insurance (LMI)

Weigh these up against your existing costs by calculating how much you could save. 

Calculate your repayments 

Apply for a new loan and get your pre-approval


It’s time to apply for a new home loan. With Bank of Sydney you’ll get conditional pre-approval in as little as 20 minutes. 


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BOS Basic Home Loan

Want a simple, no fuss home loan? With no monthly or annual fees and a competitive interest rate, our BOS Basic Home Loan is the one for you.

Owner Occupied Home Loans

With a number of Home Loan options available, you can find the right one that’s just right for your needs.

We're here to help

Our Home Loan Specialists are on hand to help you when you need it.

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Talk to one of our friendly staff Mon-Fri, 9am-5pm AEST (Excluding Public Holidays). Call 13 95 00

This page is designed to provide general information of an educational nature only. Information provided is of generic nature and does not take into account any specific individual needs, nor do the contents of this page constitute to any legal of financial advice. You should consider the appropriateness to your circumstances before acting on any information provided.