Bank of Sydney Expect More Home Loan (Package)

This product is available in different versions. Pick the right version for you here.

The details shown below are for an owner occupier taking out a principal & interest loan of at least $100,000 with an LVR below 70%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $100,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $100,000 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan of at least $100,000 with an LVR below 70%

The details shown below are for an investor taking out a principal & interest loan of at least $100,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan of at least $100,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 70%

    Loan: $100,000

  • Owner Occupier (Principal & Interest)

    LVR 70%-80%

    Loan: $100,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $100,000

  • Investor (Principal & Interest)

    LVR < 70%

    Loan: $100,000

  • Investor (Principal & Interest)

    LVR 70%-80%

    Loan: $100,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $100,000

3.12% p.a.

3.14% p.a.

$0.00

Bank of Sydney Expect More Home Loan (Package)

3.12% p.a.

3.14% p.a.

$0.00

3.12% p.a.

3.55% p.a.

$395.00 yearly

Bank of Sydney Expect More Home Loan (Package)

3.12% p.a.

3.55% p.a.

$395.00 yearly

3.48% p.a.

3.90% p.a.

$395.00 yearly

Bank of Sydney Expect More Home Loan (Package)

3.48% p.a.

3.90% p.a.

$395.00 yearly

3.65% p.a.

3.67% p.a.

$0.00

Bank of Sydney Expect More Home Loan (Package)

3.65% p.a.

3.67% p.a.

$0.00

3.65% p.a.

4.07% p.a.

$395.00 yearly

Bank of Sydney Expect More Home Loan (Package)

3.65% p.a.

4.07% p.a.

$395.00 yearly

3.85% p.a.

4.26% p.a.

$395.00 yearly

Bank of Sydney Expect More Home Loan (Package)

3.85% p.a.

4.26% p.a.

$395.00 yearly

Mozo Review   Bank of Sydney Expect More Home Loan (Package) Review

Last updated: 22 October 2019.

What's hot:
  • Low variable rates starting from 3.12% (3.14% comparison rate*)

  • No upfront fees

What's not:
  • Monthly repayments only

  • $395 annual fee if LVR more than 70%

Mozo snapshot:

The Bank of Sydney has dubbed this home loan “Expect More” for a reason. Not only does it have a range of attractive features, but with zero upfront or ongoing fees and low rates starting from 3.12% (3.14% comparison rate*), it’s one of the most competitive loans in the market.

Key features:

Let’s jump into the nitty gritty details of the loan! To qualify for no package fee and a 3.12% rate (3.14% comparison rate*), you’ll need to have an LVR under 70%, or in other words a home loan deposit of 30% or more. Have an LVR between 70% and 80%? Your rate will be a the same 3.12%, but a annual package fee of $395 will apply. With a Bank of Sydney Expect More Home Loan, you can split your loan leaving a portion variable and the remainder fixed, giving you a little more security if a rate rise happens down the track.

You’ll also gain access to a range of flexible features including an offset account, fee-free extra repayments and a redraw facility. Repayment frequencies are a little inflexible, as you can only pay off your mortgage monthly.

To top things off when you take out the loan you can fly through the application process free of fees but there is a $395 annual fee payable in advance. Just keep in mind, you’ll need to pay a $300 discharge fee when you pay out your loan.
Who it's good for:

Borrowers who plan to live in their home, looking for a low rate mortgage packed with convenient features like an offset account and extra repayments facility. You do have to live in Sydney, Melbourne or the metropolitan area of Adelaide to be eligible for the loan.

Any catches?

This loan is only available to new applicants, which means if you already have a home loan with the Bank of Sydney, you cannot switch over to this product.

Details

Rates and fees information correct as at 7 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.12% p.a.

  • n/a

  • n/a

  • n/a

  • 3.14% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $100,000

  • none

  • none

  • 70.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Monthly

  • yes - free

  • yes

  • yes - free

  • $2,000.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.12% p.a.

  • n/a

  • n/a

  • n/a

  • 3.55% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $100,000

  • none

  • 70.00%

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Monthly

  • yes - free

  • yes

  • yes - free

  • $2,000.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.48% p.a.

  • n/a

  • n/a

  • n/a

  • 3.90% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $100,000

  • none

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Monthly

  • yes - free

  • yes

  • yes - free

  • $2,000.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.65% p.a.

  • n/a

  • n/a

  • n/a

  • 3.67% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $100,000

  • none

  • none

  • 70.00%

Features
  • Investor

  • Principal & Interest

  • Monthly

  • yes - free

  • yes

  • yes - free

  • $2,000.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.65% p.a.

  • n/a

  • n/a

  • n/a

  • 4.07% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $100,000

  • none

  • 70.00%

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Monthly

  • yes - free

  • yes

  • yes - free

  • $2,000.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 7 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.85% p.a.

  • n/a

  • n/a

  • n/a

  • 4.26% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $395.00 yearly

  • $300.00

Other financial bits
  • $100,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Monthly

  • yes - free

  • yes

  • yes - free

  • $2,000.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are Bank of Sydney home loans rated by the Mozo community?

Overall customer rating
7.5/10
Price
8.3/10
Features
8.7/10
Customer service
9.7/10
Convenience
8.5/10
Trust
7.5/10
Bank of Sydney

About Bank of Sydney

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