Looking to buy a new home? Whether it's your first home or your dream home, our team are here to help every step of the way, from application to approval and beyond, making the process as seamless as possible.
Expect More Home Loan - Owner Occupied
Principal & Interest (LVR Up to 80%)
With Principal and Interest Repayments, you can get straight into paying off your home loan.
Key Features
100% offset account
Pay off your loan sooner with no costs for extra repayments
Free redraw facility available via Internet Banking**
Fixed and variable rate options
| Principal & Interest | Annual Rate | Comparison Rate 1 |
|---|---|---|
| P&I Variable Rate (95% LVR with LMI) | 7.14% p.a. | 7.28% p.a. |
| P&I Variable Rate (90% LVR with LMI) | 6.59% p.a. | 6.74% p.a. |
| P&I Variable Rate (80% LVR) | 6.39% p.a. | 6.54% p.a. |
| P&I Variable Rate (70% LVR) | 6.39% p.a. | 6.54% p.a. |
| P&I Variable Rate (60% LVR) | 6.39% p.a. | 6.54% p.a. |
| P&I Variable Rate (50% LVR) | 6.39% p.a. | 6.54% p.a. |
| Interest Only | Annual Rate | Comparison Rate 1 |
|---|---|---|
| Variable Rate (Up to 60% LVR) | 6.84% p.a. | 6.58% p.a. |
| Variable Rate (>60% to 70% LVR) | 7.04% p.a. | 6.60% p.a. |
| Fees | |
|---|---|
| Package Fee | $125.00 p.a. per Offset account |
| Discharge of Mortgage Fee | $400.00 per security (plus legal costs) |
| Settlement Fee | $200.00 |
| Legal Fees | $250.00 fixed fee plus $100.00 per additional security |
| Valuation Fees | Up to $420.00 per application covered by BOS |
| Variation Fee | $300.00 |
Please refer to the Lending Facilities Fees & Charges Guide for further information.
Calculate the cost of your loan
Our Key Facts Sheet is designed to help you choose the home loan that’s right for you. Simply select the relevant loan type from our Owner Occupied Home Loans drop-down menu, then input your desired loan amount and loan term to view the lifetime cost, interest rates and repayments applicable to your loan.
Relationship Managers that understand your needs
At Bank of Sydney we offer our customers a dedicated Relationship Manager.
Your livelihood and finances are really important. That’s why we have dedicated Relationship Managers available to our customers so that you can have a real conversation with a real person. No matter where you are, or what you do, our Relationship Managers are with you for good, to make sure you get the support you need to get where you want to be.
Request a call back
Please complete the form below and one of our Relationship Managers will be in touch shortly.