Bank of Sydney Home Loans

Rates and fees last updated on
Bank of Sydney Home Loans

Your guide to home loans available from the Bank of Sydney.

Bank of Sydney was launched under its current brand in May 2013, rebranding from Bank of Laiki which had opened in Australia in 2001. The bank was acquired by Bank of Beirut in 2011. It operates branches in Sydney, Melbourne and Adelaide as well as offering a full online and mobile banking platform.

As well as home loans, Bank of Sydney offers business and individual banking products including transaction and savings accounts, credit and debit cards, foreign currency services and home loans.

The bank offers five home loans designed to suit a variety of borrowers, from first-time buyers and investors to those looking to turn the equity in their home into a line of credit.

Compare Bank of Sydney home loans

Rates last updated June 23rd, 2017
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Loan purpose
Offset account
Loan type
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
3.94% 4.33% $0 $395 p.a. 90% Enquire now More info
Bank of Sydney Expect More Package Loan - PAYG Variable (Owner Occupier)
A competitive product for owner occupiers with 100% offset account. Only available for PAYG borrowers buying properties in Sydney, Melbourne and Adelaide metro postcodes.
3.69% 4.09% $0 $395 p.a. 80% Enquire now More info
Bank of Sydney Expect More PAYG Investment  Home Loan - Variable Rate
Enjoy low interest rate and pay $0 application fees or ongoing service fees. Only available for Sydney, Melbourne and Adelaide metro postcodes.
4.38% 4.76% $0 $0 p.a. 80% Enquire now More info
4.29% 4.46% $0 $395 p.a. 80% Enquire now More info
Bank of Sydney Expect More Fixed Rate Home Loan - 3 Years
Availability of additional repayments or lump sum of up to $10k without penalty.
4.29% 4.64% $0 $395 p.a. 90% Enquire now More info
Bank of Sydney Expect More Fixed Rate Home Loan - 2 Years
Split facility option is available with this 2 years fixed rate home loan.
4.14% 4.61% $0 $395 p.a. 90% Enquire now More info
4.14% 4.40% $0 $395 p.a. 80% Enquire now More info
4.59% 4.63% $0 $395 p.a. 80% Enquire now More info
Bank of Sydney Expect More Fixed Rate Home Loan - 1 Year
$0 application fee with a 1 year fixed rate home loan.
4.09% 4.61% $0 $395 p.a. 90% Enquire now More info
5.64% 5.82% $400 $10 monthly ($120 p.a.) 90% Enquire now More info
4.09% 4.39% $0 $395 p.a. 80% Enquire now More info
4.59% 4.77% $0 $395 p.a. 90% Enquire now More info
16.83% $400 $10 monthly ($120 p.a.) 95% Enquire now More info

Home loans offered by Bank of Sydney

Expect More home loan package

The Expect More home loan package offers a competitive ongoing variable interest rate, and includes a transaction account with offset facility.

This loan is available for owner-occupiers and investors, and often comes with a discounted rate for an introductory period. It features a redraw facility and zero account-keeping fees, but an annual fee does apply.

Variable Rate home loan

This loan is designed for borrowers who want competitive interest rates and the ability to pay their home off sooner. Available for owner-occupiers and investors, this products offers the flexibility of a variable rate.

Repayment options can be principal and interest or interest-only, and extra repayments don't incur any penalties. Other features include a redraw facility and a split facility option.

Expect More fixed rate home loan

The Expect More fixed rate home loan offers certainty about your repayment amounts for a set period. Once the fixed rate period is up you can choose to lock in another fixed term or revert to the standard variable rate.

Features of this loan include no application or account-keeping fees and the ability to make a limited amount of additional or lump sum repayments without penalty. An interest-only payment option is also available. The loan is available to owner-occupiers and residential property investors.

Low Doc Home Loan for the self-employed

This loan can be personalised to cater for self-employed borrowers who are unable to supply financial statements or tax returns. The loan is available to home buyers, builders, renovators and investors, as well as those looking to refinance an existing loan. The loan is available with fixed or variable rates, and a redraw facility and offset account are also available.

Home Equity Maximiser

The Home Equity Maximiser is designed for those who already own a home and want access to funds. It lets you turn the equity in your home into a line of credit, and you are able to control the term of the loan.

You can choose not to make any repayments if you cover the interest on the money used, and the loan can be used for personal or investment purposes. The Maximiser features a variable interest rate, salary credit option and an additional repayment option.

About how to compare home loans


How to apply for a Bank of Sydney home loan

If you would like to apply for a Bank of Sydney home loan, please consult a mortgage broker.

Documents needed to apply for a Bank of Sydney home loan

Personal information

You’ll need to supply a range of personal details, including your driver's licence number or passport number, as well as your current address and contact details. You'll also need to supply details about your current job and employer.

Property information

Bank of Sydney will want to see some information about the property you're using as security. This can include important documents such as the Certificate of Title and Contract of Sale.

Financial information

Bank of Sydney will need to see information about your current income, debts and assets.

Compare a loan from Bank of Sydney today and save on your property purchase.

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This page was last modified on 23 May 2017 at 10:20am.

Bank of Queensland Fixed Rate Home Loan - 3 Year Fixed Rate Discount Rate $150k+ <80% LVR (Owner Occupier, P&I)

Special offer for new lending of $150k or more & under 80% LVR, this offer has been extended.

Bank Australia Basic Home Loan - Variable (Owner Occupier)

A competitive variable rate that allows borrowers to borrow a minimum of $100,000 with a $0 ongoing fee.

NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier)

A fixed rate package loan with flexible repayments options. NAB Rewards Points offer available, terms and conditions apply.

Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤85% ($150K+ Owner Occupier)

Discount off an already competitive interest rate for loans over $150k. NSW, QLD and ACT residents only.

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