---
title: "Expect More Home Loan Owner Occupied — Bank of Sydney"
description: "Home Loans from Bank of Sydney. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bank-of-sydney/products/emhl_oo
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-29T22:48:45Z
---

# Expect More Home Loan Owner Occupied — Bank of Sydney

> Home Loans from Bank of Sydney. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

Need a few more features than the standard home loan? Our Expect More Home Loan is the one for you. It includes fixed or variable interest rates, an offset account and redraw facility.

## At a glance

- **From (owner occupied):** 6.29% (6.44% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.29% | 6.44% | <60% LVR |
| Variable | 6.39% | 6.54% | >60% -80% LVR |
| Variable | 6.59% | 6.74% | >80%- 90% with LMI |
| Variable | 7.14% | 7.28% | 90-95% LVR with LMI |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Variation Fee | Event | $300.00 |
| Package Fee — Charged yearly | Ongoing | $125.00 |
| Settlement Fee — Payable at settlement of new loan and | Upfront | $200.00 |
| Discharge of Mortgage Fee — Excludes legal costs | Event | $400.00 |

## Features

- **Extra repayments** — Unlimited additional repayments (Applicable only for Variable Rate)
- **Available for Construction purposes** — Construction Loans
- **Digital banking**
- **Offset account** (100% offset account available)
- **Redraw facility** (Redraw facility is available)

## Eligibility

- **Minimum age** — 18 years
- **Individuals only**
- **Lending criteria applies.**
- **Residency status** — Australian Permanent Resident or Citizen. Residential address must be in Australia.

## Constraints

- **Minimum limit** — $100,000.00

## More information from Bank of Sydney

- [Overview](https://www.banksyd.com.au/expect-more-home-loan)
- [Terms & conditions](https://www.banksyd.com.au/important-product-information)
- [Eligibility](https://www.banksyd.com.au/expect-more-home-loan)
- [Fees & pricing](https://www.banksyd.com.au/important-product-information)

## Data provenance

- Published by Bank of Sydney under the Consumer Data Right
- Product ID: `emhl_oo`
- Last updated by the provider: 29 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-of-sydney/emhl_oo
- Provider page: https://www.cdrcompare.au/brands/bank-of-sydney
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000107

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-of-sydney/products/emhl_oo) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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