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 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%
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 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
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 80% | $100,000 | |
| | Owner Occupier | Principal & Interest | < 80% | $100,000 | |
| | Investor | Interest Only | < 80% | $100,000 | |
| | Investor | Principal & Interest | < 80% | $100,000 | |
| | Investor | Principal & Interest | < 80% | $100,000 | |
| | Investor | Interest Only | < 80% | $100,000 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $100,000
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $100,000
Investor (Interest Only)
LVR < 80%
Loan: $100,000
Investor (Principal & Interest)
LVR < 80%
Loan: $100,000
Investor (Principal & Interest)
LVR < 80%
Loan: $100,000
Investor (Interest Only)
LVR < 80%
Loan: $100,000
The Bank of Sydney has dubbed this home loan “Expect More” for a reason. Not only does it have a range of attractive features including an offset account and fee-free redraw facility, but with zero upfront or ongoing fees and low rates starting from 2.29% (2.31% comparison rate*), it also offers competitive pricing to home buyers.
Let’s jump into the nitty gritty details of the loan! Owner occupiers making principal and interest repayments will be able to snag a 2.29% p.a. variable rate (2.31% p.a. comparison rate*).
You’ll also have access to a range of flexible features including an offset account, fee-free extra repayments and a redraw facility ($2,000 minimum redraw applies). Repayment frequencies are a little inflexible, as you can only pay off your mortgage on a monthly basis.
You’ll also be able to split your loan between a variable and fixed rate, giving you that added sense of security in the event of a rate rise down the track.
As for the fees, Bank of Sydney will cover up to $475 in legal fees and up to $420 in valuation fees, plus borrowers with an LVR below 80% will be happy to know that the $395 annual package fee will be waived for them. There is a $150 settlement fee to budget for though, as well as a $300 discharge fee when you pay out your loan.
This loan will suit borrowers who plan to live in their home and are 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.
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.
2.29% p.a.
n/a
n/a
n/a
2.31% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$0.00
$300.00
$100,000
none
none
80.00%
Owner Occupier
Principal & Interest
Monthly
yes - free
yes
yes - free
$2,000.00
yes
yes
Valuation & legal fees payable at cost. Up to $475 in legal fees and up to $420 in valuation fees covered by Bank of Sydney.
none
Package fee waived for the life of the loan for LVRs up to 80%.
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.
2.94% p.a.
n/a
n/a
n/a
3.38% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$395.00 yearly
$300.00
$100,000
none
none
80.00%
Owner Occupier
Principal & Interest
Monthly
yes - free
yes
yes - free
$2,000.00
yes
yes
Valuation & legal fees payable at cost. Up to $475 in legal fees and up to $420 in valuation fees covered by Bank of Sydney.
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.
3.60% p.a.
n/a
n/a
n/a
4.02% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$395.00 yearly
$300.00
$100,000
none
none
80.00%
Investor
Interest Only
Monthly
yes - free
yes
yes - free
$2,000.00
yes
yes
Valuation & legal fees payable at cost. Up to $475 in legal fees and up to $420 in valuation fees covered by Bank of Sydney.
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.
3.50% p.a.
n/a
n/a
n/a
3.92% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$395.00 yearly
$300.00
$100,000
none
none
80.00%
Investor
Principal & Interest
Monthly
yes - free
yes
yes - free
$2,000.00
yes
yes
Valuation & legal fees payable at cost. Up to $475 in legal fees and up to $420 in valuation fees covered by Bank of Sydney.
none
Package fee waived for the life of the loan for LVRs up to 80%.
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.
2.59% p.a.
n/a
n/a
n/a
2.61% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$0.00
$300.00
$100,000
none
none
80.00%
Investor
Principal & Interest
Monthly
yes - free
yes
yes - free
$2,000.00
yes
yes
Valuation & legal fees payable at cost. Up to $475 in legal fees and up to $420 in valuation fees covered by Bank of Sydney.
none
Package fee waived for the life of the loan for LVRs up to 80%.
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.
2.59% p.a.
n/a
n/a
n/a
3.03% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$395.00 yearly
$300.00
$100,000
none
none
80.00%
Investor
Interest Only
Monthly
yes - free
yes
yes - free
$2,000.00
yes
yes
Valuation & legal fees payable at cost. Up to $475 in legal fees and up to $420 in valuation fees covered by Bank of Sydney.
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.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
Bank of Queensland
Fixed Rate
1.94% p.a.
fixed 3 years
2.97% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.09% p.a.
fixed 3 years
3.58% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a.
2.21% p.a.
Yard
Variable Home Loan Special
2.19% p.a.
2.22% p.a.
Bank of Queensland
Fixed Rate
1.94% p.a.
fixed 3 years
2.97% p.a.
Qudos Bank
Fixed Rate Home Loan
1.99% p.a.
fixed 3 years
2.59% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.09% p.a.
fixed 3 years
3.58% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a.
2.21% p.a.
$0.00
Homestar
Star Gold Home Loan
1.79% p.a.
1.84% p.a.
$0.00
Yard
Variable Home Loan Special
2.19% p.a.
2.22% p.a.
$0.00
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.
