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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 Home Equity Maximiser
Application Fee N/A N/A N/A $400
Monthy Fee N/A N/A N/A $10
Annual Package Fee $395 $395 $395 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 $450
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.
Redraw Yes No Yes N/A
100% Mortgage Offset Yes No Yes No
Rate Lock Fee 0.20% of the loan amount 0.20% of the loan amount No No
Low Doc Option No No No No
Interest Charged 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
Repayment Frequency Monthly Monthly Monthly Monthly
Minimum Loan Amount $100,000 $100,000 $100,000 $100,000
Maximum Loan Amount No Maximum No Maximum No Maximum No Maximum
Maximum Loan Term 30 years 30 years 30 years N/A
Maximum Loan to Value Ratio (LVR) 80%**** 80%*** 90%*** 90%***
Additional Repayments Yes Yes - Up to $10,000 annually Yes Yes
Internet Banking 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.