---
title: "Expect More Home Loan Owner Occupied - Fixed — 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_fixed
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-29T01:19:29Z
---

# Expect More Home Loan Owner Occupied - Fixed — 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.

## At a glance

- **From (owner occupied):** 7.29% (6.52% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year | 7.29% | 6.52% | — |
| Fixed · 2 years (https://www.banksyd.com.au/expect-more-home-loan) | 7.29% | 6.1% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Discharge of Mortgage Fee — Excludes legal costs | Event | $400.00 |
| Variation Fee — V | Event | $300.00 |
| Settlement Fee — Payable at settlement of new loan and variations | Upfront | $200.00 |

## Features

- **Digital banking**

## Eligibility

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

## Constraints

- **Minimum limit** — $100,000.00
- **Maximum LVR** — 8000%

## 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_fixed`
- Last updated by the provider: 29 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-of-sydney/emhl_oo_fixed
- 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_fixed) — 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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