Looking to buy a new home? 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.

If you’re looking for a few more features than a basic home loan, our Expect More Home Loan is the one for you - it includes variable rates, an offset account and redraw facility. For extra sweetness, we’ve also waived the Annual Package Fee for the life of your loan! This saves you $395 per year when you take out a new Expect More Home Loan.


Key Features

Enjoy a 100% Offset Account

$395 p.a. Annual Package Fee waived for the life of the loan

Legal Fees up to $475 and Valuation Fees up to $420 covered by BOS

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.

Principal & Interest Interest Rate Comparison Rate 1
LVR <=80% 2.29% p.a. 2.31% p.a.
Annual Package Fee $395 p.a. waived for the life of the loan
Settlement Fee $150
Legal Fees Covered up to $475
Valuation Fees Covered up to $420
Account Keeping Fee $0
Application Fee $0
Access Redraw Fee $0

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


Home Loan Specialists that understand your needs

Our Home Loan Specialists are here to share their expertise and help guide you through the buying process. We want to ensure that you have all the information you need to make your dream home a reality. Get in touch today.



John Tougiannidis 

Lending Specialist

Call: 0438 805 228

Email: John.Tougiannidis@banksyd.com.au





Dimitri Leventis

Home Loan Specialist

Call: 0408 873 237

Email: Dimitri.Leventis@banksyd.com.au



Talk to us today

We're passionate about helping you secure your dream place.
Enquire today and we will contact you at your preferred time. It’s as simple as filling out the details below.


Things to keep in mind

Please note, all applications are subject to meeting lending criteria and Bank of Sydney approval.

Rates applicable to applications received by 30 September 2021 and settled by 31 December 2021.

Discounted rates offer available to:

  • New applications only 
  • Minimum loan amount $250K 
  • LVR up to 80%
  • Principal & Interest repayments


The Special Offer is only available to new Expect More Home Loans (Owner Occupied), and excludes internal refinances or switches for existing loans with Bank of Sydney. The Special Offer is available for LVRs up to 80%, interest rates are subject to change. Minimum loan amount of $250,000. Annual Package Fee of $395.00 waived for the life of the loan applicable only for new variable rate loans that satisfy LVR and loan amount Special Offer conditions. Standard lending criteria, fees and charges apply. Special Offer may be varied or terminated by BOS at any time.

Offer current as at 23/07/2021 and available to applications received by 30 September 2021 and settled by 31 December 2021.

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.

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

More information about our product and services is available here.

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