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 50%)
With Principal and Interest Repayments, you can get straight into paying off your home loan.
| Repayment Type | Interest Rate | Comparison Rate 1 |
|---|---|---|
| Variable Rate P&I (LVR < 70%) | 2.59% p.a. | 2.61% p.a. |
| Variable Rate P&I (LVR 70-80%) | 2.69% p.a. | 2.71% p.a. |
| Fixed Rate 1 Year IO (LVR < 70%) | 2.59% p.a. | 3.44% p.a. |
| Fixed Rate 2 Years IO (LVR < 70%) | 2.59% p.a. | 3.36% p.a. |
| Fixed Rate 3 Years IO (LVR < 70%) | 2.59% p.a. | 3.29% p.a. |
| Fixed Rate 1 Year IO (LVR 70-80%) | 2.69% p.a. | 3.45% p.a. |
| Fixed Rate 2 Years IO (LVR 70-80%) | 2.69% p.a. | 3.38% p.a. |
| Fixed Rate 3 Years IO (LVR 70-80%) | 2.69% p.a. | 3.31% p.a. |
| Fees | |
|---|---|
| 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.
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.
Daniela Nassour
Assistant Home Loan Specialist
Email: Daniela.Nassour@banksyd.com.au
Dimitri Leventis
Home Loan Specialist
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 31 May 2021 and settled by 31 August 2021.
Discounted rates offer available to:
- New applications only
- Minimum loan amount $250K and maximum amount $1M
- LVR up to 80%
- Principal & Interest repayments