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

BOSBasic Home Loan

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Interest Rate

2.64

% p.a

Variable

Comparison Rate*

2.69

% p.a

Maximum LVR

70%

Real Time Rating™

Monthly Repayment

$1,367

based on $300,000 loan amount for 25 years at 2.64%

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Summary
Features & fees
Similar Products
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Interest Rate

2.64

% p.a

Variable

Comparison Rate*

2.69

% p.a

Maximum LVR

70%

Real Time Rating™

Monthly Repayment

$1,367

based on $300,000 loan amount for 25 years at 2.64%

Calculate your repayments for this loan

Your estimated repayment

$1,367

based on $300,000 loan amount for 25 years at 2.64%

Here are some similar home loans that you may be interested in

TMD

Monthly Repayment

$1,367

based on $300,000 loan amount for 25 years at 2.64%

Interest Rate

2.64

% p.a

Variable

Comparison Rate*

2.56

% p.a

special

Receive an extra 0.01% p.a. discount every year, up to a maximum discount of 0.30% p.a.

Real Time Rating™

More Features

Monthly Repayment

$1,423

based on $300,000 loan amount for 25 years at 3%

Interest Rate

2.60

% p.a

Intro 24 months

Comparison Rate*

2.96

% p.a

Interest rates ranked in the best 20%
No ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

More Features

Monthly Repayment

$1,398

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

Interest Rate

2.84

% p.a

Variable

Comparison Rate*

2.85

% p.a

Interest rates ranked in the best 20%
No ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

More Features

Quick home loan review

For BOSBasic Home Loan (LVR < 70%)

These are the benefits of this home loan.

Interest rates ranked in the best 20%
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 70% of the property's value

Home loan overview

For BOSBasic Home Loan (LVR < 70%)

TMD

Details
Features
Fees
Application method

Details

Maximum LVR 70%	Total Repayments $410,100 View repayment schedule »
Next LVR 2.71% for max LVR 80%	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 Compare	Phone
Broker	In branch

Available

Not available

Data not captured

Target Market Determination

Visit Bank of Sydney to view Target Market Determination.

Checkout more home loans

Interest Rate

2.72

% p.a

Variable

Comparison Rate*

2.73

% p.a

Cashback

Receive up to $4,000 cash when you take out an eligible Suncorp Bank home loan. Receive either $3K by taking out a Suncorp Bank home loan of $750K+ or $4K by taking out a Suncorp Bank home loan of $1m+ with LVR ≤90%. Apply by 30 November 2022, settle by 28 February 2023. Unless withdrawn prior. T&Cs & eligibility criteria apply. ~ Ends in 5 months

Real Time Rating™

Interest Rate

3.73

% p.a

Variable

Comparison Rate*

3.73

% p.a

Rewards

Earn 300,000 Qantas Points for eligible home loans over $300k ~ Ends in about 2 months

Real Time Rating™

Interest Rate

3.74

% p.a

Variable

Comparison Rate*

3.78

% p.a

Cashback

$2,000 cashback when you refinance a loan of $250,000 or more

Real Time Rating™

Interest Rate

2.60

% p.a

Variable

Comparison Rate*

2.63

% p.a

Interest rates ranked in the best 20%
No ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

Product data updated on 24 Jun 2022

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 70 percent, which means it requires a minimum deposit of 30 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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