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BOSBasic Investment Home Loan

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BOS Basic Investment Home Loan

Take advantage of our Basic Investment Home Loan with a lower variable rate and no annual or monthly fees, to help you realise your investment dreams sooner.  

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

Enjoy no ongoing monthly or annual fees

$0 Fee Redraw Facility

Principal & Interest or Interest Only repayments available

 

Apply Online Enquire

Market Leading Rates

Variable Rate



3.20% p.a.

Comparison Rate1



3.25% p.a.

You can choose from Principal & Interest or Interest Only repayments with the BOS Basic Investment Home Loan. To view all rates and repayment options available click the below expanding bars. 

  BOS Basic Investment Home Loan: Principal & Interest

BOSBasic Investment Home Loan: Principal & Interest
Interest Rates
Variable Interest Rate3.20% pa
Comparison Rate13.25% pa
Fees
Settlement Fee$150
Legal FeesUp to $475 in legal fees covered by BOS
Valuation FeesUp to $420 in valuation fees covered by BOS
Account Keeping Fee$0
Application Fee$600 
Access Redraw$0 
Features
Interest Rate TypeVariable
Loan TermUp to 30 years
Loan AmountBorrow up to 70% of the value of the property
StatementsPaper statements every 6 months
RepaymentsPrincipal and Interest
Offset AccountNo 

  BOS Basic Investment Home Loan: Interest Only

BOSBasic Investment Home Loan - Interest Only
Interest Rates
1 Year IO Rate3.40% pa
Comparison Rate 23.27% pa
2 Years IO Rate3.40% pa
Comparison Rate 23.29% pa
3 Years IO Rate3.40% pa
Comparison Rate 23.31% pa
4 Years IO Rate3.40% pa
Comparison Rate 23.32% pa
5 Years IO Rate3.40% pa
Comparison Rate 23.33% pa
Fees
Settlement Fee$150
Legal FeesUp to $475 in legal fees covered by BOS
Valuation FeesUp to $420 in valuation fees covered by BOS
Account Keeping Fee$0
Application Fee$600 
Access Redraw$0 
Features
Interest Rate TypeVariable
Loan TermUp to 30 years
Loan AmountBorrow up to 70% of the value of the property
StatementsPaper statements every 6 months
RepaymentsInterest Only up to 5 years then Principal and Interest for the remainder of the loan term
Offset AccountNo 

 


Tools to help you prepare for your home loan

Our Borrowing Capacity Calculator and Key Facts Sheet tools are designed to help you understand how a Bank of Sydney home loan could work for you.

Use our Borrowing Capacity Calculator to generate your estimated maximum borrowing capacity. Simply enter details (including your income, expenses and any current loans) to check your borrowing power, subject to your given individual circumstances. 

Calculate Borrowing Capacity

Our Key Facts Sheet is designed to help you choose the Home Loan that is right for you. Simply select the BOS Basic Home Loan from our Investment dropdown and input your desired loan specifications (amount and term) to view the lifetime cost, interest rates and repayments applicable to your loan. 

Key Facts Sheet

How to apply for your home loan online2

Get a step ahead by applying online for Conditional Pre-approval. 

  1. To start, please read the Terms and Conditions, PDS & Privacy Policy3
  2. Before you begin please make sure you have your contact details, identification (Driver License or Passport), relevant financial details and purchase property price & postcode on hand.
  3. Set aside about 20 minutes to complete your application
  4. On submission of your application you will promptly receive an email advising you of the outcome.
  5. A Home Loan Specialist will then be in touch to walk you through any next steps.

Apply Online Enquire

 

Speak with a Home Loan Specialist

Our Home Loan Specialists are on hand to answer all your questions and assist you through the buying process.

1.    Getting Started

Fill in our Enquiry form and one of our experienced Home Loan Specialists will contact you at a time convenient to discuss your needs.

2.    Staying Informed

Once you have applied, we will keep you updated on the progress of your application via SMS or email. 

3.    Need extra support?

From application to settlement, our Home Loan Specialists will be on hand to help you every step of the way.  

Enquire

 

Things to keep in mind

Before applying for the BOS Basic Investment Home Loan please consider our application criteria:

  • New applications only
  • Applications will be considered with a LVR up to 70%
  • Minimum 1 year in same line of employment
  • Existing residential dwellings in metro postcodes (excluding NT, WA & TAS). Additional restrictions apply for properties located in Queensland.
 
 
Any advice or information provided by Bank of Sydney does not take into account of your personal objectives, financial situation or needs. Please seek independent professional advice before proceed with any financial decision.
*  Applicable to Loans with a LVR of 70% or lower.
1 The 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.
2 The comparison rate is based on a secured loan of $150K over the listed Interest Only term. Following the Interest Only period, payments and interest rate reverts to the P&I SVR for the remaining term. 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.
3 All applications subject to meeting lending criteria and Bank of Sydney approval.
4 Terms 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. These are available from any branch of Bank of Sydney, at banksyd.com.au or by calling 13 95 00. It is recommended that you read them prior to making any decisions as this advice is general and does not take into account specific individual needs.