Expect More Home Loan Owner Occupied
Home LoansData Sharing Status
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.
- 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% | 90.01–95% |
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
Published by Bank of Sydney under the Consumer Data Right · Last updated 29 June 2026 · Product ID emhl_oo · View on CDR.gov.au