RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%

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Example Interest Rates: Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

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PROPERTY REPORTS

RATES FROM 4.79% (5.47%^*)

BOS Basic Home Loan Owner Occupied

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.

Category: Home Loans Last Updated December 11, 2025 Effective December 22, 2025

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information

Interest Rate
5.29% PA

Comparison Rate
5.33%PA*

Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions..

5.29% (5.33%*), UP TO 60%, 0.5% - 0.6% OO P&I

Lending Rate Type: Variable
Interest Rate: 5.29%, Comparison Rate 5.33%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

5.29% (5.33%*), UP TO 50%, % - 0.5% OO P&I

Lending Rate Type: Variable
Interest Rate: 5.29%, Comparison Rate 5.33%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Product Features

Redraw Additional Information: Redraw facility is available

Digital Banking

Extra Repayments Additional Information: Unlimited additional repayments

Product Eligibility

Min Age - 18.

Natural Person

Residency Status - Australian Permanent Resident Or Citizen. Residential Address Must Be In Australia..

Other Additional Information: Lending Criteria applies.

Bank Fees and Charges

Application Fee (Upfront), Amount: 0.00. Additional Information: Application fee waived

Discharge Of Mortgage Fee (Event), Amount: 400.00. Additional Information: Excludes legal costs

Settlement Fee (Upfront), Amount: 200.00. Additional Information: Payable at settlement of new loan, variations and top ups to existing loans do not incur this fee.

Variation Fee (Event), Amount: 300.00.

Legal Fee (Upfront), Amount: 250.00. Additional Information: $100.00 per additional security

Limitations & Restrictions (Constraints)

Min Limit of 100000

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