Bank of Sydney home loan rates
Ranked by advertised rate, Bank of Sydney's lowest advertised rate we track is 6.24% advertised (6.28% comparison) on the BOS Basic Home Loan - owner-occupier, P&I - 7th of 31 lenders we track. Rates as at 31 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Its lowest variable home loan rate we track is 6.24% advertised (6.28% comparison) on the BOS Basic Home Loan - owner-occupier, P&I; its lowest fixed home loan rate we track is 7.29% advertised (6.10% comparison) on the Expect More Home Loan fixed rate, 2-year term. Rates as at 31 Oct 2026.
We track 4 Bank of Sydney owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 31 Oct 2026. See our methodology.
At the lowest advertised rate we track - 6.24% on the BOS Basic Home Loan - owner-occupier, P&I - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,690 a month (an arithmetic example, not a quote or an offer). Rates as at 31 Oct 2026.
Bank of Sydney since the 29 Sept 2026 RBA decision
The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.
Bank of Sydney has changed 2 variable rates in its published data since:
- BOS Basic Home Loan - owner-occupier, P&I6.09% → 6.24%(+15 bp)
- Expect More Home Loan - owner-occupier, P&I6.29% → 6.54%(+25 bp)matches the cash rate move
Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →
Bank of Sydney products (4)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
BOS Basic Home Loan - owner-occupier, P&IBank of Sydney | Variable | 6.24% | 6.28% | 60% | link |
Expect More Home Loan - owner-occupier, P&IBank of Sydney | Variable | 6.54% | 6.69% | 60% | link |
Expect More Home Loan fixed rate, 2-year termBank of Sydney | Fixed 2yr | 7.29% | 6.10% | — | link |
Expect More Home Loan fixed rate, 1-year termBank of Sydney | Fixed 1yr | 7.29% | 6.52% | — | link |
Bank of Sydney recent rate changes
2 of Bank of Sydney's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.
- Expect More Home Loan - owner-occupier, P&I6.29% → 6.54%(+25 bp)previous value last seen 15 Oct 2026
- BOS Basic Home Loan - owner-occupier, P&I6.09% → 6.24%(+15 bp)previous value last seen 15 Oct 2026
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