---
title: "BOS Basic Home Loan Owner Occupied — Bank of Sydney"
description: "Home Loans from Bank of Sydney. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bank-of-sydney/products/bosbasic_oo
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-29T22:48:32Z
---

# BOS Basic Home Loan Owner Occupied — Bank of Sydney

> Home Loans from Bank of Sydney. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

Looking to buy a new home and want to keep things simple? Our BOS Basic Home Loan, with no fees and a competitive interest rate, is the one for you.

## At a glance

- **From (owner occupied):** 6.09% (6.13% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.09% | 6.13% | <60% LVR |
| Variable | 6.19% | 6.23% | <60-80%LVR |
| Variable | 6.44% | 6.48% | 80-90% LVR with LMI |
| Variable | 6.99% | 7.03% | 90-95% LVR with LMI |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.89% | 6.93% | 80-90% LVR with no LMI |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Discharge of Mortgage Fee — Excludes legal costs | Event | $400.00 |
| Settlement Fee — Payable at settlement of new loan, variations and top ups to existing loans do not incur this fee. | Upfront | $200.00 |
| Variation Fee | Event | $300.00 |

## Features

- **Redraw facility** (Redraw facility is available)
- **Digital banking**
- **Extra repayments** — Unlimited extra repayments

## Eligibility

- **Individuals only**
- **Lending Criteria applies.**
- **Residency status** — Australian Permanent Resident or Citizen. Residential address must be in Australia.
- **Minimum age** — 18 years

## Constraints

- **Minimum limit** — $100,000.00

## More information from Bank of Sydney

- [Overview](https://www.banksyd.com.au/bos-basic-home-loan)
- [Terms & conditions](https://www.banksyd.com.au/important-product-information)
- [Eligibility](https://www.banksyd.com.au/bos-basic-home-loan)
- [Fees & pricing](https://www.banksyd.com.au/important-product-information)

## Data provenance

- Published by Bank of Sydney under the Consumer Data Right
- Product ID: `bosbasic_oo`
- Last updated by the provider: 29 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-of-sydney/bosbasic_oo
- Provider page: https://www.cdrcompare.au/brands/bank-of-sydney
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000107

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-of-sydney/products/bosbasic_oo) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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