Owner-Occupier - Expect More Home Loan NO PACKAGE FEE


Expect More Home Loan Package3

Rates Effective 22nd October 2019
  • Competitive interest rate
  • 100% Home Loan Offset account
  • New applications only
  • Annual Package Fee waived for the life of the loan
Enquire  Download Rate Sheet

Application criteria for the Expect More Home Loan Package:

  • LVR up to 70%
  • Principal & Interest repayments 
  • Property situated in Metro postcodes only (excluding NT, WA & TAS)

Key Fact Sheet


Owner Occupier Expect More Home Loan NO PACKAGE FEE
Interest Rates
Variable Interest Rate3.12% pa
Comparison Rate13.14% pa
1 Year Fixed Rate3.66% pa
1 Year Comparison Rate14.10% pa
2 Year Fixed Rate3.66% pa
2 Year Comparison Rate14.06% pa
3 Year Fixed Rate3.62% pa
3 Year Comparison Rate14.01% pa
5 Year Fixed Rate3.96% pa
5 Year Comparison Rate14.08% pa
Settlement Fee$150
Legal Fees2Covered by package up to $475.
Valuation Fees2Covered by package up to $420.
Access Redraw$0.00 
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 

1The comparison rate is based on a $150,000 secured loan for 25 years. Warning: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees and or other loan amounts may result in a different Comparison Rate.
2Legal fees up to $475 and valuation fees up to $420 are only covered for the initial application.
3 The Special Rate of 3.12% pa (2.01% discount off the Standard Variable Rate of 5.13% pa) is valid for loan amounts up to 70% of the value of the property (LVR).
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.


Fixed rate loans will revert to 1.00% discount off the Standard Variable rate which is currently 5.13% p.a. and the comparison rate is 5.29%p.a.