Young couple painting their newly purchased home

Expect More Home Loan

Young couple painting their newly purchased home
Need a few more features than the standard home loan? Our Expect More Home Loan is the one for you. It includes fixed or variable interest rates, an offset account and redraw facility.
Interest rate (up to 60% LVR) 6.34 % p.a.
Comparison rate 1 6.49 % p.a.

Key features

100% offset account
Free redraw facility available via Internet Banking**
Make extra repayments at no extra cost
Valuation fees up to $420 covered by us
Fixed and variable rate options

An Award-Winning Home Loan 

The Expect More Home Loan provides excellent value and recently won the Low-Cost & Offset Home Loan Awards in the Mozo Expert Choice Awards 2023.






Principal & Interest Annual Rate Comparison Rate 1
P&I Variable Rate (80% LVR) 6.44% p.a. 6.59% p.a.
P&I Variable Rate (70% LVR) 6.44% p.a. 6.59% p.a.
P&I Variable Rate (60% LVR) 6.34% p.a. 6.49% p.a.
P&I Variable Rate ( 50% LVR) 6.34% p.a. 6.49% p.a.
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.

Frequently Asked Questions

LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the banks valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.

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.

If you’ve made additional repayments to your home loan, you can withdraw extra money that’s  available on your account.

You can redraw from your additional repayments via Internet Banking, or by visiting your nearest branch.

Please note that in-branch redraws may attract a fee, depending on the home loan product you hold. In-branch redraws have a minimum amount of $2,000.

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.

We're here to help

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

Secure message via Internet Banking

Talk to one of our friendly staff Mon-Fri, 9am-5pm AEST (Excluding Public Holidays). Call 13 95 00

Standard lending criteria, fees and charges apply. Interest rates available as 20 May 2024, and are subject to change without notice. The advertised interest rates are only available to new loans with a LVR of 80% or less and excludes internal refinances or switches for existing loans with Bank of Sydney. The advertised rates include a discount off our standard variable rates for owner occupied and investment home loans. Standard variable rates may change over time. The discount off the standard variable rate applicable to your loan will be included in our loan offer. Talk to your lender for more information. Interest rates as stated are subject to change which can occur prior to the settlement of your loan.

**Redraw facility is available only after fixed period. 
1 The comparison rate is based on a loan of $150K 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.

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.

More information about our product and services is available here.

Bank of Sydney Ltd ABN 44093488629 AFSL & Australian Credit Licence No. 243444