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 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 | < 70% | $100,000 | |
|
|
Owner Occupier | Principal & Interest | < 80% | $100,000 | |
|
|
Owner Occupier | Principal & Interest | < 90% | $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 < 70%
Loan: $100,000
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $100,000
Owner Occupier (Principal & Interest)
LVR < 90%
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 3.69% (3.71% 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 3.69% p.a. variable rate (3.71% 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.
|
3.69% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.71% 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 |
|
|
70.00% |
|
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.
|
3.79% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.81% 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 |
|
|
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.
|
5.05% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.44% 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 |
|
|
90.00% |
|
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.
|
4.85% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.24% 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.
|
4.75% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.14% 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 |
|
|
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.
|
4.34% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.74% 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 |
|
|
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.
|
4.04% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.45% 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
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
Bank of Queensland
Economy
3.69% p.a. variable
3.85% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.74% p.a.variable for 12 months and then 4.23% p.a. variable
4.22% p.a.
Qudos Bank
No Frills Home Loan
3.49% p.a. variable
3.49% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.74% p.a.variable for 12 months and then 4.23% p.a.
4.22% p.a.
Qudos Bank
No Frills Home Loan
3.49% p.a.
3.49% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% p.a.
$0.00
Qudos Bank
No Frills Home Loan
3.49% p.a.
3.49% 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.
