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Home Loan Comparison

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Home Loan Comparison

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  Expect More Variable Rate Home Loan Package Expect More PAYG Fixed Rate Home Loan Package Expect More PAYG Variable Rate Home Loan Low Doc Home Loan Home Equity Maximiser SuperLend (Residential)
Application Fee N/A N/A N/A $400 $400 0.20% of loan amount (residential security)
Monthy Fee N/A N/A N/A $10 $10 $10 (residential security)
$50 (commercial security)
Annual Package Fee $395 $395 $395 No No No
Legal Fee's Up to $400 will be covered by Bank of Sydney Up to $400 will be covered by Bank of Sydney Up to $400 will be covered by Bank of Sydney Up to $450 will be covered by Bank of Sydney $450 $2,500 plus GST where Gadens Lawyers prepares the Property Trust.
$2,000 plus GST where Property Trust is already established.
Residential Valuation Fee's Up to $330 will be covered by Bank of Sydney Up to $330 will be covered by Bank of Sydney Up to $330 will be covered by Bank of Sydney Up to $750,000 = $230 (incl GST) $750,001 - $1,500,000 = $345 (inclGST) $1,501,000+ requires a quote from one of the banks panel valuers. Up to $750,000 = $230 (incl GST) $750,001 - $1,500,000 = $345 (inclGST) $1,501,000+ requires a quote from one of the banks panel valuers.
Redraw Yes No Yes Yes N/A No
100% Mortgage Offset Yes No Yes Yes No No
Rate Lock Fee 0.20% of the loan amount 0.20% of the loan amount No No No No
Low Doc Option No No No Yes No No
Interest Charged Monthly in arrears Monthly in arrears Monthly in arrears Monthly in arrears Monthly in arrears Monthly in arrears
Repayment Type Principal & Interest Or Interest Only Principal & Interest OR Interest Only Principal & Interest OR Interest Only Principal & Interest OR Interest Only Principal & Interest OR Interest Only Principal & Interest OR Interest Only
Repayment Frequency Monthly Monthly Monthly Monthly Monthly Monthly
Minimum Loan Amount $100,000 $100,000 $100,000 $50,000 $100,000 $100,000
Maximum Loan Amount No Maximum No Maximum No Maximum $650,000 per security offered No Maximum No Maximum
Maximum Loan Term 30 years 30 years 30 years 30 years N/A 15 years
Maximum Loan to Value Ratio (LVR) 80%**** 80%*** 90%*** 80%** 90%*** Corporate Trustee - 80%
Individual Trustee - 72%
Additional Repayments Yes Yes - Up to $10,000 annually Yes Yes Yes Yes
Internet Banking Yes Yes Yes Yes Yes Yes

** Maximum loan amount for Low Doc Home Loan is 80% of the property value subject to Lender's Mortgage Insurance (LMI) approval

*** Maximum loan amount is 90% of the property value subject to Lender's Mortgage Insurance (LMI) approval

****For 80% - 90% LVR with LMI, a 1.80% discount off Standard Variable Rate applies.

For any further enquiries on product rates, please call 1300 888 700.