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 3.95 % p.a.
Comparison rate 1 4.00 % 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 80% LVR) 3.95% p.a. 4.00% p.a.
Interest Only Annual Rate Comparison Rate 1
Variable Rate 1 Year 4.15% p.a. 4.02% p.a.
Variable Rate 2 Years 4.15% p.a. 4.04% p.a.
Variable Rate 3 Years 4.15% p.a. 4.06% p.a.
Variable Rate 4 Years 4.15% p.a. 4.07% p.a.
Variable Rate 5 Years 4.15% p.a. 4.09% 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

If you’d like to switch your loan repayments from Principal and Interest to Interest Only, your home loan rate may also change. Interest Only repayments do not reduce the loan principal amount, so if you’re looking to reduce your home loan repayments, get in touch with your Relationship Manager or our Home Loan Specialists to discuss the best option for you.

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.

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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.

Standard lending criteria, fees and charges apply. Interest rates available as at 16 June 2022. The advertised interest rates are only available to new loans and excludes internal refinances or switches for existing loans with Bank of Sydney. The advertised rates include a discount off our standard variable rate for owner occupied or investment home loans. Talk to your lender for more information. Interest rates are subject to change without notice.

1 The comparison rate is based on a loan of $150,000 over the term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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.