Need a few more features than the standard home loan? Our Expect More Home Loan includes fixed or variable interest rates, an offset account and redraw facility.

Whether it's your first home or your dream home, our expert staff 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.

Variable Rate 6.39 % p.a.
Comparison Rate 1 6.54 % p.a.

 

Key Features

100% Offset Account

Fee-free redraw facility available via Internet Banking*

Make repayments at no extra cost.

Valuation Fees up to $420 covered by us

Principal & Interest Annual Rate Comparison Rate
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
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

Key Fact Sheet

 

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.

 

Things to keep in mind

Please note, all applications are subject to meeting lending criteria and Bank of Sydney approval. The Expect More Home Loan featured offer is available to:

  • New applications only 
  • Minimum loan amount $100K 
  • LVR up to 80%
  • Principal & Interest repayments

 

Standard lending criteria, fees and charges apply. Interest rates available as 3 June 2025, and are subject to change without notice. The advertised interest rates are only available to new loans with a LVR of 95% 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 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. Lenders Mortgage Insurance (LMI) may apply for LVRs over 80%. Lending terms and conditions apply. LMI is not included in calculations for Comparison Rates.

*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 44 093 488 629 AFSL & Australian Credit Licence 243444