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Bank of Sydney

Bank of Sydney home loans

Bank of Sydney, has been operating in Australia under a full Banking Licence since April 2001.

The bank employs over 150 staff, with headquarters in Sydney and over 16 branches throughout NSW, Victoria and South Australia. It offers financial products such as personal, car and home loans, credit cards, insurance as well as mortgage broking. The bank also offers currency exchange and international money transfer services.

Bank of Sydney home loan calculator  

Interested in a Bank of Sydney home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Bank of Sydney compares to its competitors. Simply plug in your borrowing amount below. 

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Content updated18 Oct, 2023
Product data updated

Important disclosure

Why choose Bank of Sydney

Benefits

  • Specialised loans available, including line of credit and low doc loans.
  • Additional repayments allowed on most loans.
  • Offers discounted package loans.

Drawbacks

  • Limited branch access outside Sydney.
  • High standard variable rate.

Bank of Sydney Home Loans

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Australian Credit Licence 243444Fees & charges apply

11.65%

11.81%

$3,596

Standard Variable Rate Home Loan
  • Owner Occupied
  • Variable
  • 10% min deposit
  • P&I

Australian Credit Licence 243444Fees & charges apply

Australian Credit Licence 243444Fees & charges apply

7.09%

6.76%

$2,494

Expect More Home Loan
  • Investor
  • Fixed undefined year
  • 10% min deposit
  • P&I

Australian Credit Licence 243444Fees & charges apply

Australian Credit Licence 243444Fees & charges apply

6.69%

6.50%

$1,951

BOSBasic Investment Loan
  • Investor
  • Variable
  • 30% min deposit
  • Interest Only

Australian Credit Licence 243444Fees & charges apply

Australian Credit Licence 243444Fees & charges apply

6.04%

6.08%

$2,264

BOSBasic Home Loan
  • Owner Occupied
  • Variable
  • 40% min deposit
  • P&I

Australian Credit Licence 243444Fees & charges apply

Australian Credit Licence 243444Fees & charges apply

6.54%

6.13%

$1,908

BOSBasic Investment Loan
  • Owner Occupied
  • Variable
  • 40% min deposit
  • Interest Only

Australian Credit Licence 243444Fees & charges apply

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

$
130
25 years

Your estimated mortgage repayments

at interest rate 6.04%

Total interest payable

$0

Total loan repayments

$0

Bank of Sydney customer service

Home loan customers at Bank of Sydney can contact the bank in a number of ways. These include a customer service phone line, online, by email or in person at Bank of Sydney branches. Customers can enquire about Bank of Sydney home loan products through an online form or apply in person.

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Live Chat
  • Branch
  • Mobile banking staff

How to Apply

Bank of Sydney allows potential customers to enquire about a home loan product via an online form, by phone or in person. However, there is no option to apply online and customers may find it easiest to apply at a Bank of Sydney branch. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This may include: 

  • Personal identification documents.
  • Proof of employment.
  • Proof of income, earnings and assets.
  • Information on current debts, loans and investments.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.