Key unlocking door to a home

Expect More Investment Home Loan

Key unlocking door to a home
Our investment home loan package, designed for those who expect more from a home loan.
Interest rate (up to 60% LVR) 5.99 % p.a.
Comparison rate 1 6.14 % p.a.

Key features

Save on interest with 100% offset account
Fee-free redraw facility available via Internet Banking**
Pay off your home loan faster with extra repayments at no extra cost
$420 in Valuation Fees covered by BOS
Enquire Key Facts Sheet

Calculators

Principal & Interest Annual Rate Comparison Rate 1
Variable Rate (90% LVR with LMI) 6.49% p.a. 6.64% p.a.
Variable Rate (up to 80% LVR) 6.19% p.a. 6.34% p.a.
Variable Rate (up to 70% LVR) 6.19% p.a. 6.34% p.a.
Variable Rate (up to 60% LVR) 5.99% p.a. 6.14% p.a.
Variable Rate (up to 50% LVR) 5.99% p.a. 6.14% p.a.
Interest Only Annual Rate Comparison Rate 1
Variable Rate 1 Year (>70% to 80% LVR) 6.39% p.a. 6.35% p.a.
Variable Rate (>60% to 70% LVR) 6.39% p.a. 6.35% p.a.
Variable Rate 1 Year (>50% to 60% LVR) 6.24% p.a. 6.16% p.a.
Variable Rate 1 Year (Up to 50% LVR) 6.24% p.a. 6.16% p.a.

View all rates

Fees
Application Fee $0
Settlement Fee $200
Legal Fees $250.00 fixed fee plus $100.00 per additional security
Valuation Fees Covered by package up to $420
Access Redraw $0
Package Fee $125.00 p.a. per Offset account

Please refer to the Lending Facilities Fees & Charges Guide for further information.

Frequently Asked Questions

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. 

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.

See all FAQs

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Standard lending criteria, fees and charges apply. Interest rates available as at 3rd June 2025, and are subject to change without notice. The advertised interest rates are only available to new loans with a LVR of 90% or less and excludes bridging loans, construction loans, 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 as stated are subject to change which can occur prior to the settlement of your loan. Lenders Mortgage Insurance (LMI) may apply for LVRs over 80%. Lending terms and conditions apply. LMI is not included in calculations for Comparison Rates.
 
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.

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.

More information about our product and services is available here.

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