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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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Personal Finance Editor

Content updated

17 Oct, 2022

Product data updated

04 Jul, 2025

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.

Home Loans calculator

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

Your estimated mortgage repayments

Total interest

Total repayments

How much can I borrow?

Compare home loans

All calculations are estimates only; they are not guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
It is assumed that data entered into the calculator, including interest rates, do not change for the lifetime of the loan - unless specified.
The Present Value provided by this calculator is displayed as the amount labelled 'Loan amount'.
At the end of the interest-only period, the rate may change. For this calculation, rate switches to the current rate.
The current rate is today’s average big 4 owner occupier advertised discounted variable rate (LVR 80%), unless you have inserted your own rate.
Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.

Months are assumed to be of equal length. However, given some months are longer than others, interest charged may vary depending upon the month.
One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus each year has 364 days.
The calculator uses the unrounded repayment to derive the home loan summary line graph and repayment schedule. However, institutions may round repayments to the nearest cent.
Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
Calculator does not include the cost of fees or other extra charges.
Calculator does not account for changes to interest rates over time.
This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Consider whether you need financial advice from a qualified adviser.
After the interest only term ends, your repayments will change based on the current* interest rate. This rate is subject to change. Read our full disclaimer.

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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About our expert

Mark Bristow

Personal Finance Editor

Mark Bristow is RateCity's Senior Finance Content Producer, and an experienced analyst, researcher, and producer. While primarily focused on Australian mortgage and home loan expertise, he has experience across energy, home and travel insurances. Mark has been a journalist and writer in the financial space for over ten years, previously researching and writing commercial real estate at CoreLogic. In the years since, Mark has worked for the Winning Group, Expedia, and has seen articles published at Lifehacker and Business Insider. Mark has also completed RG 146 (Tier 1), making him compliant to provide general advice for general insurance products like car, home, travel and health insurance, as well as giving him knowledge of investment options such as shares, derivatives, futures, managed investments, currencies and commodities.

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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.

Bank of Sydney home loans

Bank of Sydney home loan calculator

Why choose Bank of Sydney

Benefits

Drawbacks

Bank of Sydney Home Loans