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.
Interest rate 4.34 % p.a.
Comparison rate 1 4.36 % p.a.

Key features

$395 Annual Package Fee waived for the life of the loan*
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
Expect More Investment Home Loan Annual Rate Comparison Rate 1
P&I (LVR <= 80%) 4.34% p.a. 4.36% p.a.
1 Year Variable IO (LVR <= 80%) 4.54% p.a. 4.38% p.a.
2 Years Variable IO (LVR <= 80%) 4.54% p.a. 4.39% p.a.
3 Years Variable IO (LVR <= 80%) 4.54% p.a. 4.41% 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 $395.00 p.a. (waived for LVRs up to 80%)

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.

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.

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We're here to help

Ask questions or give feedback via our online enquiry form.

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

Standard lending criteria, fees and charges apply. Interest rates available as at 10 August 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 product and services is available here.


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