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.
|Owner Occupier Expect More PAYG Home Loan|
|Variable Interest Rate||3.79% pa|
|Comparison Rate1||4.19% pa|
|1 Year Fixed Rate||4.09% pa|
|1 Year Comparison Rate1||4.48% pa|
|2 Year Fixed Rate||4.14% pa|
|2 Year Comparison Rate1||4.49% pa|
|3 Year Fixed Rates||4.29% pa|
|3 Year Comparison Rate1||4.53% pa|
|5 Year Fixed Rates||4.59% pa|
|5 Year Comparison Rate1||4.68% pa|
|Application Fee||$0.00 |
|Legal Fees2||Covered by package up to $400|
|Valuation Fees2||Covered by package up to $330|
|Access Redraw||$0.00 |
|Package Fee||$395 p.a. paid in advance|
|Loan Amount3||Borrow up to 80% of the value of the property. For 80% to 90% LVR with LMI, a 1.65% discount off Standard Variable Rate applies.|
|Additional repayments for Fixed Loans4||Additional or lump sum payments up to $10, 000 p.a. are allowed without penalty.|
|Fixed Loan Term||1,2,3,5 years|
|Split facility option ||Yes|
|Statements||Paper statements every 6 months|
|Repayments||Repayments must be directly debited from your Bank of Sydney transaction account|
|Offset Account||Yes, only for a Variable Loan |
|Redraw Facility||Yes, only for a Variable Loan |
|Debit Card||Yes |
|Cheque Book||Yes |
2Legal fees up to $400 and valuation fees up to $330 are only covered for the initial application.
3Subject to lenders mortgage insurance.
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 p.a.