Bank of Sydney BOSBasic Home Loan | Review & Compare Home Loans

BOSBasic Home Loan

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Advertised Rate

2.84

% p.a

Variable

Comparison Rate*

2.89

% p.a

Maximum LVR

Less than 70%

Real Time Rating™

Monthly Repayment

$1,398

based on $300,000 loan amount for 25 years at 2.84%

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Summary
Features & fees
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Advertised Rate

2.84

% p.a

Variable

Comparison Rate*

2.89

% p.a

Maximum LVR

Less than 70%

Real Time Rating™

Monthly Repayment

$1,398

based on $300,000 loan amount for 25 years at 2.84%

Calculate your repayments for this loan

Your estimated repayment

$1,398

based on $300,000 loan amount for 25 years at 2.84%

Based on your details, you can compare and save on the following home loans

Monthly Repayment

$1,262

based on $300,000 loan amount for 25 years at 2.98%

Advertised Rate

2.98

% p.a

Variable

Comparison Rate*

3.02

% p.a

No ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

More Features

Monthly Repayment

$1,286

based on $300,000 loan amount for 25 years at 3.13%

Advertised Rate

3.13

% p.a

Variable

Comparison Rate*

3.14

% p.a

No ongoing fees
Suitable for low deposits
Parents can sign as guarantor
Extra repayments and redraw facility

Real Time Rating™

More Features

Monthly Repayment

$1,271

based on $300,000 loan amount for 25 years at 3.04%

Advertised Rate

3.04

% p.a

Variable

Comparison Rate*

3.04

% p.a

Cashback

$2,000 cashback when you refinance a loan of $250,000 or more~ Ends in about 1 month

Real Time Rating™

More Features

Quick home loan review

For BOSBasic Home Loan

These are the benefits of this home loan.

Lower than average interest rate
No ongoing fees
Parents can sign as guarantor
Extra repayments and redraw facility
Free redraw facility
Split account option

These are the drawbacks of this home loan.

No offset account
Higher than average upfront fee
Maximum loan amount is limited to 69.99% of the property's value

Home loan overview

For BOSBasic Home Loan

Details
Features
Fees
Application method

Details

Maximum LVR Less than 70%	Total Repayments $419,400 View repayment schedule »
Next LVR	Interest rate type Variable
Borrowing range $250k - $5m Calculate how much you can borrow	Suitable for Owner Occupiers
Loan term range 0 - 30 years	Principal & interest
Interest only	Applicable states ACT, NSW, QLD, SA, VIC
Make repayments Monthly

Features

Extra repayments Unlimited extra repayments	Offset account No
Redraw facility Redraw fee: $0	Split interest facility
Loan portable	Repayment holiday available
Allow guarantors	Available for first home buyers

Fees

Total estimated upfront fees 1,645	Application fee 600
Legal fee $475	Valuation fee $420
Settlement fee 150	Other upfront fee 0
Ongoing fee $0	Discharge fee 0

Application method

Online	Phone
Broker	In branch

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Advertised Rate

1.99

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Comparison Rate*

2.02

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% p.a

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FAQs

The range you can borrow from this loan is $250k to $5,000,000.

This loan option comes with a maximum loan-to-value ratio of 69.99 percent, which means it requires a minimum deposit of 30.01 percent

Bank of Sydney allows you to have this loan for a range of 0 to 30 years.

Bank of Sydney allows you to make repayments to this loan option through one of the following repayment schedules: monthly.

While it could change based on your circumstances, RateCity estimates that this loan option comes with $1,645 worth of upfront fees.

Yes, this loan comes with a redraw, charged at $0 if you need to use it.

Bank of Sydney makes it possible to apply for this product online. Apply here.

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