Bank of Sydney home loans come from Bank of Sydney Ltd, an Australian authorised deposit-taking institution owned by Bank of Beirut. Regulated by APRA as a foreign subsidiary bank, Bank of Sydney has held a full Australian banking licence since the early 2000s and runs branches in Sydney, Melbourne and Adelaide. It lends to owner-occupiers, investors and refinancers, and also works with mortgage brokers through its third-party distribution team.
This page is a factual profile to help borrowers understand who Bank of Sydney is and where its home loans may fit. However, it is not a rating, a ranking or a recommendation.
Bank of Sydney at a Glance
| Item | Detail |
|---|---|
| Lender type | Bank (authorised deposit-taking institution), classed by APRA as a foreign subsidiary bank |
| Owned by | Bank of Beirut (Lebanon), since 2011 |
| Founded or established | Full Australian banking licence since the early 2000s, originally as Laiki Bank Australia |
| Headquarters (city) | Sydney |
| Regulated by | APRA as an ADI (Bank of Sydney Ltd appears on the APRA register) |
| Listed on the ASX | No. Bank of Sydney is a foreign-owned unlisted public company |
| Home loans for | Owner-occupiers, investors, refinancers and, case by case, borrowers building a home |
Ownership and History of Bank of Sydney
Bank of Sydney began life as Laiki Bank Australia, the Australian arm of a Cypriot bank, and has operated under a full Australian banking licence since the early 2000s. In 2011 Bank of Beirut, one of Lebanon’s largest banks, bought the Australian bank and renamed it Beirut Hellenic Bank, as Banking Day records.
The board later chose the Bank of Sydney name to reflect its ambition to serve multicultural Australia more broadly, rather than one community. Bank of Beirut still wholly owns Bank of Sydney, while APRA regulates its Australian operations and the Australian Government’s guarantee covers deposits up to $250,000 per account holder.
Today Bank of Sydney describes itself as a relationship-based bank. In addition, it has retail branches in Sydney, Melbourne and Adelaide, is a member of the Australian Banking Association, and works with mortgage brokers through its third-party distribution team and credit managers. It appears on the APRA register of ADIs as a foreign subsidiary bank.
Where Bank of Sydney Home Loans May Suit
Based on publicly available information, Bank of Sydney home loans may be worth comparing for:
- Borrowers who want a smaller, branch-based bank. In particular, Bank of Sydney has branches in Sydney, Melbourne and Adelaide and promotes personal relationship managers.
- Owner-occupiers who want an offset account. For example, the bank’s Expect More Home Loan offers fixed or variable rates with a 100% offset account and fee-free redraw.
- Borrowers who prefer a basic, low-fee loan. The BOS Basic Home Loan has no monthly or annual fees and allows extra repayments at any time, with redraw.
- Investors, with principal and interest or interest-only repayment options.
- Borrowers with bonus or commission income. In fact, Bank of Sydney’s published lending guidelines include commission and bonus income among the income types it may consider, subject to verification and its lending discretion.
- Borrowers building a home, in some circumstances. Construction lending appears in the bank’s published guidelines, while independent sources describe it as assessed case by case.
Home Loan Types Bank of Sydney Offers
Public sources confirm that Bank of Sydney offers the following. Product names and features change, so we check current details when you apply:
- Owner-occupied home loans (Expect More and BOS Basic products)
- Investment property loans
- Refinancing to Bank of Sydney
- Fixed and variable rates
- Principal and interest or interest-only repayments
- 100% offset account and fee-free redraw on eligible loans
- Construction loans, assessed case by case
Getting a Bank of Sydney Home Loan Through Ingram Financial
Of course, every lender has its own policies, processes and quirks, and they change often. Rather than working through them on your own, let Ingram Financial help you navigate the maze and compare Bank of Sydney with the other lenders on our panel.
Shannon Ingram, our principal broker, compares Bank of Sydney with the rest of the panel against your deposit, income, property and goals, then explains the options in plain English. We work from Bangor, NSW, serve the Sutherland Shire, and also help borrowers across Australia by phone and video.
In the meantime, to see current Bank of Sydney products, use the lender filter in our comparison tool. When you are ready, contact us for a free, no-obligation chat about whether Bank of Sydney or another lender is the better fit.
Bank of Sydney Home Loan FAQs
Yes. APRA regulates Bank of Sydney Ltd as an Australian authorised deposit-taking institution, and the APRA register lists it as a foreign subsidiary bank. In addition, the Australian Government guarantee covers deposits up to $250,000.
Bank of Beirut, which bought the former Laiki Bank Australia in 2011, wholly owns Bank of Sydney. Bank of Beirut then renamed the bank Beirut Hellenic Bank, and it later adopted the Bank of Sydney name.
Yes. Bank of Sydney has retail branches in Sydney, Melbourne and Adelaide, and it also works with mortgage brokers across Australia.
Bank of Sydney’s published lending guidelines include residential construction lending, while independent sources describe it as considered case by case. However, whether it suits your build depends on the bank’s criteria at the time.
Yes. Bank of Sydney works with brokers through a dedicated third-party distribution team, and it is also one of the lenders on the Ingram Financial panel.
Ingram Financial has no ownership ties to Bank of Sydney. Bank of Sydney is simply one of the lenders on our panel. We checked the lender information on this page in September 2026. However, it may change, and the lender sets product availability, policies and eligibility criteria.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply. Consider whether it is appropriate for you and speak to us for advice specific to your situation.