product logo

Expect More Home Loan Package

SpecialRefer A Friend and receive $250 
Compare

Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros and Cons

Pros:
  • Extra low interest rate for refinancers
  • 100% full offset account
  • Parents can sign as guarantor
  • Extra repayments + redraw services
Cons:
  • Annual fee charged
  • Discharge fee at end of loan
  • Repayments may increase if RBA raises rates
Advertisement
Advertisement

Fees and Features

Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$25k - $5m
Total repayments
Total repayments
$432,300
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, QLD, SA, VIC
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$150.00
Application fee
Application fee
$0
Settlement fee
Settlement fee
$150
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$395 annually
Discharge fee
Discharge fee
$300
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$25k - $5m
Total repayments
Total repayments
$432,300
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, QLD, SA, VIC
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$150.00
Application fee
Application fee
$0
Settlement fee
Settlement fee
$150
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$395 annually
Discharge fee
Discharge fee
$300
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Other Benefits
Legal fees covered by package up to $475 and Valuation fees covered by package up to $420
  • Special Refer A Friend and receive $250
    For Owner Occupier Home Loans for the Expect More Home Loan Package only. The referrer must be an existing Bank of Sydney customer. Offer is available to new customers only and any additional loans for the same referee are not eligible for the Refer a Friend Reward. Minimum loan amount of $100,000. Refer a Friend offer will be deposited into the referring customer and referee customer's nominated BOS Transaction Account on settlement of the referee Expect More Home Loan. Not available in conjunction with any other offer.

Bank of Sydney, has been operating in Australia under a full Banking Licence since April 2001.

The bank employs over 150 staff, with headquarters in Sydney and over 16 branches throughout NSW, Victoria and South Australia. It offers financial products such as personal, car and home loans, credit cards, insurance as well as mortgage broking. The bank also offers currency exchange and international money transfer services.

Bank of Sydney home loan calculator  

Interested in a Bank of Sydney home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Bank of Sydney compares to its competitors. Simply plug in your borrowing amount below. 

Compare your product with the big 4 banks, or add more products to compare
As seen on