Bank of Sydney Expect More Home Loan Package

All of the benefits of a package home loan without the fees.

The Expect More Home Variable Home Loan Package from Bank of Sydney is a package loan with a 100% offset account.

Interest Rate Max Insured LVR Max LVR
No Package Fee (Owner Occupier)
3.12% p.a.
Comparison Rate
3.14% p.a.
80% 80%
1 Year Fixed
3.66% p.a.
Comparison Rate
4.10% p.a.
70% 70%
2 Year Fixed
3.66% p.a.
Comparison Rate
4.06% p.a.
70% 70%
3 Year Fixed
3.62% p.a.
Comparison Rate
4.01% p.a.
70% 70%
5 Year Fixed
3.96% p.a.
Comparison Rate
4.08% p.a.
70% 70%
Product NameBank of Sydney Expect More Package Home Loan
Interest Rate TypeVariable
Comp Rate^ (p.a.)
Minimum Loan Amount$100,000
Minimum Loan Term1 year
Maximum Loan Term30 years
Maximum LVR70%
Maximum Insured LVR70%
Mortgage Offset AccountYes
Mortgage 100% OffsetYes
Loan Redraw FacilityYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Suitable for InvestmentYes
Extra RepaymentYes
Available as equity loan/line of creditNo
Repayment TypePrincipal & Interest
Application Fee$0
Lender's Legal FeeCovered by package up to $475
Valuation FeeCovered by package up to $420
Ongoing Fees$0 p.a.
Settlement Fee$150
Discharge Fee$300


  • 100% offset account
  • Waived package fees
  • No application fees


  • Available for property situated in Metro postcodes only (excluding NT, WA & TAS). Restrictions apply for properties located in Queensland
  • LVR up to 70% only
  • No interest only options

What you need to know about this loan

As mentioned above, there are a range of criteria you should be aware of before applying for this loan.

Read on to find out more about how this loan works and the other features it comes with.

Features of the Bank of Sydney Expect More Home Loan Package

  • 100% offset account. This loan comes with a 100% offset account. This is a linked transaction account which you can deposit funds into. Any funds in the account work to reduce the interest payable on your home loan.
  • Low fees. This loan waives the annual fee for the life of the loan, and covers legal fees up to $400, and valuation fees up to $330. There is no application fee and no fees for using the redraw facility.
  • Maximum LVR. The maximum amount you can borrow with the loan is 70% of the value of the property you wish to purchase.
  • Extra repayments. You can make extra repayments on this loan to make faster progress paying it off. If you have a fixed rate, this is limited to $10,000 per year without penalties applying.
  • Redraw facility. If you want to withdraw the extra repayments you’ve put into this loan, you can use the free redraw facility to do so. The minimum redraw amount is $2,000.
  • Split rates. You can split this loan into fixed portions. Bank of Sydney offers fixed terms of one, two, three and five years.


This loan has no application fees or redraw fees. Legal fees of up to $400 and valuation fees of up to $330 are waived too. The annual fee is also waived for the life of the loan. If your valuation or legal fees exceed these limits you’ll have to pay extra charges.

  • Discharge fee of $300. You’ll have to pay this when exiting the loan.
  • Switching fee of $350. If you decide to switch to another Bank of Sydney loan you’ll have to pay this.
  • Late payment fee of $20. Making a late repayment will come with this fee.

How to apply for the Expect More Home Loan Package

If you’re interested in this loan and want to find out more or apply, click the green "go to site" buttons on this page. This will securely take you to the Bank of Sydney website.

From here you can request a call back from Bank of Sydney to start a discussion about this loan and find out the next steps.

You’ll want to get a few details together before contacting Bank of Sydney, such as information about your property, employment and more.
If you proceed with your application, make sure you have supporting evidence of your income and employment.

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Bank of Sydney Expect More Package Home Loan

  • Interest Rate


  • Comparison Rate


  • App Fee / Annual Service Fee

    $0 / $0

  • Max LVR


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