Investment apartments

BOS Basic Investment Home Loan

Investment apartments
Make an investment in property simply with our straight-forward, low interest BOS Basic Investment Home Loan.
Variable rate 3.20 % p.a.
Comparison rate 1 3.25 % p.a.

Key features

Get the most from your investment with no monthly or annual fees
Fee-free redraw facility available via Internet Banking
Pay off your loan faster with extra repayments at no extra cost
Up to $475 in legal fees covered by BOS
Up to $420 in valuation fees covered by BOS
Principal & Interest Annual Rate Comparison Rate 1
Variable Rate (up to 70% LVR) 3.20% p.a. 3.25% p.a.
Interest Only Annual Rate Comparison Rate 1
Variable Rate 1 Year 3.40% p.a. 3.27% p.a.
Variable Rate 2 Years 3.40% p.a. 3.29% p.a.
Variable Rate 3 Years 3.40% p.a. 3.31% p.a.
Variable Rate 4 Years 3.40% p.a. 3.32% p.a.
Variable Rate 5 Years 3.40% p.a. 3.33% p.a.
Package Fee $0.00
Application Fee $600.00
Discharge of Mortgage Fee $300 (plus legal costs)
Variation Fee $300.00
Settlement Fee $150.00
Legal Fees Maximum value of $475.00 covered by BOS
Valuation Fees Up to $420.00 per application covered by BOS

Frequently Asked Questions

An offset account may be a good way to reduce the interest amount you pay on your loan. If you have a variable rate Expect More Home Loan, you’ll be able to link to a full offset account. Your home loan interest will be calculated on the difference between your loan balance and the daily balance held in your offset account.

Plus, your offset account is available for use as a transaction account where you can deposit your salary and link it to a Visa Debit card.


You can make additional repayments to your loan, which will then be available for redraw if you need to use the extra money later on. Please note that fixed rate home loans have a $10,000 maximum extra repayment limit per year, without incurring any penalties or break costs. 

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Internet Banking

Access your money 24/7 via our secure and easy to use Internet Banking and Mobile app.

Refinance with Bank of Sydney

It’s easy to make the switch to Bank of Sydney and find a home loan that better suits your needs.

BOS Saver

Grow your savings with our BOS Saver Account. It has no honeymoon interest rates or monthly transaction requirements.

We're here to help

Our Home Loan Specialists are on hand to help you when you need it.

Ask questions or give feedback via our online enquiry form.

Talk to one of our friendly staff Mon - Fri, 9am–5pm AEST.

1 The comparison rate is based on a secured loan of $150K over a term of 25 years. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Any advice or information does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you.

All applications subject to meeting lending criteria and Bank of Sydney approval.

Please take a moment to read through the below information before applying, as this advice is general and does not take into account specific individual needs.

Consumer Loan Terms & Conditions

Lending Facilities Fees & Charges Guide

Target Market Determination (TMD) for these products is available here:

Lending Products TMD

More information about our products and services is available here.