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Expect More Investment Home Loan Package

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Expect more from your Investment

Enjoy greater flexibility and competitive rates with our award-winning Expect More Home Loan package.

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

Invest your money where it matters with no application fee

Enjoy 100% Offset Account

Winner of the Rate City Gold Award 2020 in Package Home Loan Category

 

Apply Online Enquire

Market Leading Rates

Variable Rate



3.50% p.a.

Comparison Rate1



3.91% p.a.

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

  Expect More Home Loan: Principal & Interest

Expect More Investment Home Loan Package. Principal & Interest.
Interest Rates
Variable Interest Rate3.50% pa
Comparison Rate13.91% pa
1 Year Fixed Rate3.15% pa
Comparison Rate 13.88% pa
2 Year Fixed Rate3.15% pa
Comparison Rate 13.85% pa
3 Year Fixed Rate3.15% pa
Comparison Rate13.83% pa
5 Year Fixed Rate3.35% pa
Comparison Rate13.85% pa
Fees
Settlement Fee$150
Application Fee$0.00 
Legal Fees2Covered by package up to $475
Valuation Fees2Covered by package up to $420
Access Redraw$0.00 
Package Fee$395 pa paid in advance
Features
Additional repayments for Fixed Loans 5Additional 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 

  Expect More Home Loan: Interest Only

Expect More Investment Home Loan INTEREST ONLY
Interest Rates
1 Year IO Rate3.60% pa
Comparison Rate 23.92% pa
1 Year Fixed Rate3.35% pa
Comparison Rate 23.90% pa
2 Years IO Rate3.60% pa
Comparison Rate 23.93% pa
2 Year Fixed Rate3.35% pa
Comparison Rate 23.89% pa
3 Years IO Rate3.60% pa
Comparison Rate 23.94% pa
3 Year Fixed Rate3.35% pa
Comparison Rate 23.88% pa
4 Years IO Rate3.60% pa
Comparison Rate 23.95% pa
5 Years IO Rate3.60% pa
Comparison Rate 23.95% pa
5 Year Fixed Rate3.65% pa
Comparison Rate 23.97% pa
Fees
Settlement Fee$150
Legal FeesCovered by package up to $475
Valuation FeesCovered by package up to $420
Access Redraw$0.00 
Package Fee$395
Features
Additional repayments for Fixed Loans 5Additional 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 

 

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 Expect More 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 online3

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

  1. To start, please read the Terms and Conditions, PDS & Privacy Policy4
  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 Expect More Home Loan Package please consider our application criteria:

 
  • New applications only
  • Applications will be considered with a LVR up to 80%
  • 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 80% 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. 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.
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. Fixed rate Interest Only loans are calculated as interest only for the duration of the fixed term reverting to principal and interest for the rest of the loan 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. Fixed rate Interest Only loans are calculated as interest only for the duration of the fixed term reverting to principal and interest for the rest of the loan term.
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.
5 No 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.