Key unlocking door to a home

Expect More Investment Home Loan

Key unlocking door to a home
Our comprehensive investment home loan package, designed for those who expect more from a home loan.
Variable rate 3.50 % p.a.
Comparison rate 1 3.91 % 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
Up to $475 in Legal Fees and $420 in Valuation Fees covered by BOS
Principal & Interest Annual Rate Comparison Rate 1
Variable Rate (up to 80% LVR) 3.50% p.a. 3.91% p.a.
Variable Rate (80-90% LVR) 4.30% p.a. 4.69% p.a.
Fixed Rate 1 Year 3.15% p.a. 3.88% p.a.
Fixed Rate 2 Years 3.15% p.a. 3.85% p.a.
Fixed Rate 3 Years 3.15% p.a. 3.83% p.a.
Fixed Rate 5 Years 3.35% p.a. 3.85% p.a.
Interest Only Annual Rate Comparison Rate 1
Variable Rate 1 Year 3.60% p.a. 3.92% p.a.
Variable Rate 2 Years 3.60% p.a. 3.93% p.a.
Variable Rate 3 Years 3.60% p.a. 3.94% p.a.
Variable Rate 4 Years 3.60% p.a. 3.95% p.a.
Variable Rate 5 Years 3.60% p.a. 3.95% p.a.
Fixed Rate 1 Year 3.35% p.a. 3.90% p.a.
Fixed Rate 2 Years 3.35% p.a. 3.89% p.a.
Fixed Rate 3 Years 3.35% p.a. 3.88% p.a.
Fixed Rate 5 Years 3.65% p.a. 3.97% p.a.
Fees
Application Fee $0
Settlement Fee $150
Legal Fees Covered by package up to $475
Valuation Fees Covered by package up to $420
Access Redraw $0
Package Fee $395 (paid in advance)

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.

If you’re ready to start your home buying journey, you can apply online and get a conditional pre-approval. The application only takes 20 minutes to complete.

To start, please take a moment to read the Terms and Conditions, PDS & Privacy Policy available here. 

Before you begin please make sure you have your contact details, identification (Driver’s License or Passport), relevant financial details and purchase property price and postcode on hand.

On submission of your application you’ll promptly receive an email advising you of the pre-approval outcome.

What comes next? A Home Loan Specialist will then be in touch to walk you through next steps and help you through the process.

Apply Online 

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.

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.

 

Ready to Apply for an Expect More Investment Home Loan?

Make sure you have your ID (Driver's Licence or Passport) and financial documents handy

If you'd like to talk to someone, our Home Loan Specialists are here to help 

 

Apply online in just 20 minutes. Once you've completed the form, we'll be in touch right away, to tell you if you have been pre-approved

 

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

We're here to help

Ask questions or give feedback via our online enquiry form.

Talk to our friendly staff between 9:30am – 5:00pm (AEST) Monday to Friday.

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.

Terms and Conditions and Fees & Charges apply and are documented in the Loan Terms and Conditions.

Deposit, Saving & Transaction Accounts Product Disclosure Statement (PDS) and Internet Banking Terms & Conditions.

These are available from any branch of Bank of Sydney, at banksyd.com.au or by calling (13 95 00). It is recommended that you read them prior to making any decisions as this advice is general and does not take into account specific individual needs.