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Owner-Occupier - Expect More Home Loan

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Expect More Home Loan Package

  • Competitive interest rate
  • 100% Home Loan Offset account5
  • New applications only
  • Annual Package Fee waived for the life of the loan for applications with LVR up to 70%3
Enquire  Download Rate Sheet

Application criteria for the Expect More Home Loan Package:

  • LVR up to 80%. Applications with an LVR between 80% - 90% may be considered on application2. Please note Lenders Mortgage insurance will apply. For relevant rates please review the Rate Sheet above.
  • Principal & Interest repayments. 
  • Property situated in Metro postcodes only (excluding NT, WA & TAS).

Key Fact Sheet

 


Owner Occupier Expect More Home Loan
Interest Rates
Variable Interest Rate2.94% pa
Comparison Rate12.96% pa
1 Year Fixed Rate2.79% pa
Comparison Rate 12.95% pa
2 Year Fixed Rate2.79% pa
Comparison Rate 12.93% pa
3 Year Fixed Rate2.79% pa
Comparison Rate 12.92% pa
5 Year Fixed Rate2.99% pa
Comparison Rate12.98% pa
Fees
Settlement Fee$150
Legal FeesCovered by package up to $475.
Valuation FeesCovered by package up to $420.
Access Redraw$0.00 
Features
Loan AmountBorrow up to 70% of the value of the property
Additional repayments for Fixed Loans4Additional or lump sum payments up to $10,000 p.a. are allowed without penalty.
Fixed Loan Term1,2,3,5 years
Split facility option Yes
StatementsPaper statements every 6 months.
RepaymentsRepayments must be directly debited from your Bank of Sydney transaction account.
Offset AccountYes, only for a Variable Loan. 
Redraw FacilityYes, only for a Variable Loan. 
Debit CardYes 
Cheque BookYes 

 
Applications with an LVR between 80% - 90% may be considered on application. Please note Lenders Mortgage insurance will apply. 
1The 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. All fixed comparison rates are calculated on the basis they roll to the variable Expect More Home Loan rate at the end of the fixed rate period.
2All applications subject to meeting lending criteria and Bank of Sydney approval.
3Terms and Conditions and Fees & Charges apply and are documented in the Loan Terms and Conditions, Deposit, Savings & Transaction Accounts Product Disclosure Statement (PDS) and Internet Banking Terms and Conditions.
4No penalty for payments up to $10,000 p.a. Break costs will be payable subject to Terms & Conditions for any payments exceeding $10,000 pa.
5Please note, Offset accounts are only available for Variable Interest Rate Home Loans.