Owner-Occupier - Expect More Home Loan Package


Expect More Home Loan Package3

  • Competitive interest rate
  • 100% Home Loan Offset account
  • New applications only

Enquire Key Fact Sheet

Application criteria for the Expect More Home Loan:

  • LVR up to 80%
  • Minimum 1 year in same line of employment
  • Principal & Interest repayments 
  • Property situated in Metro postcodes only (excluding NT, WA & TAS). Restrictions apply for properties located in Queensland

2017, 2018 & 2019 Winner of Money magazine’s Best of the Best Award for Cheapest Home Loan Package for the Expect More Home Loan.
Gold Award 2020 in the ‘Packaged Home Loan’ category

Owner Occupier Expect More Home Loan 80%
Interest Rates
Variable Interest Rate2.94% pa
Comparison Rate13.37% pa
1 Year Fixed Rate3.66% pa
Comparison Rate 14.26% pa
2 Year Fixed Rate3.66% pa
Comparison Rate 14.25% pa
3 Year Fixed Rates3.62% pa
Comparison Rate14.22% pa
5 Year Fixed Rates3.96% pa
Comparison Rate14.32% pa
Settlement Fee$150
Legal Fees2Covered by package up to $475
Valuation Fees2Covered by package up to $420
Access Redraw$0.00 
Package Fee$395 p.a. paid in advance
Loan Amount3Borrow up to 80% value of the property. For 80% to 90% LVR with LMI, a 1.58% discount off Standard Variable Rate applies.
Additional repayments for Fixed Loans4Additional or lump sum payments up to $10,000 pa 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 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. 
2Legal fees up to $475 and valuation fees up to $420 are only covered for the initial application.
3The Special Rate of  2.94% pa (1.94% discount off the Standard Variable Rate of 4.88% pa) is valid for loan amounts up to 80% 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 4.88% p.a.