BankMate

Home loan · Variable

Expect More Home Loan

Loan for
Repayments
Deposit

6.79%comparison rate p.a. · 6.64% advertised · With a package · $125 a year

Variable · P&I · Owner-occupier · 60–80% LVR

79th of 93 variable owner-occupier P&I loans

Go to Bank of Sydney

Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Offset account
Yes
Redraw
Yes
Extra repayments
Yes
Application fee
None
Ongoing fee
None
Discharge fee
$400
Compare all 321 home loans
Compare Bank of Sydney Expect More side by side

Variable · P&I · Owner-occupier · ≤60% LVR
6.69% comparison · 6.54% advertised
Variable · P&I · Owner-occupier · ≤60% LVR
6.98% comparison · 6.84% advertised
Variable · P&I · Owner-occupier · 60–80% LVR
6.79% comparison · 6.64% advertised
Variable · P&I · Owner-occupier · 80–90% LVR
6.98% comparison · 6.84% advertised
Variable · P&I · Owner-occupier · 90–95% LVR
7.53% comparison · 7.39% advertised
Variable · P&I · Investor · 60–80% LVR
7.23% comparison · 7.09% advertised
Variable · P&I · Investor · 80–90% LVR
7.53% comparison · 7.39% advertised
Variable · Interest Only · Investor · ≤90% LVR
7.39% comparison · 8.34% advertised
Variable · Interest Only · Investor · ≤60% LVR
7.01% comparison · 7.09% advertised
Variable · Interest Only · Investor · 60–80% LVR
7.26% comparison · 7.29% advertised

Application fee
None
Ongoing fee
None
Discharge fee
$400
Package (a package)
$125 a year
Redraw fee
None

Offset account
Yes
Redraw
Yes
Extra repayments
Yes
Portable
No
Repayment holiday
No

Minimum loan
$100,000

  • Expect More Home Loan · Variable · P&I · Owner-occupier
  • RBA cash rate
  • Market average
4.005.006.007.00SepOctToday6.79% p.a. today

October 20262 changes

  1. 16Fri
    • 5 variants up 0.25 to 0.4716 days after the RBA rise to 4.60%
      All Variable · Investor
      P&I · 60–80% LVR6.987.23+0.25
      P&I · 80–90% LVR7.287.53+0.25
      Interest Only · ≤90% LVR6.927.39+0.47
      Interest Only · ≤60% LVR6.767.01+0.25
      Interest Only · 60–80% LVR7.017.26+0.25
      +0.25 to +0.47
    • 4 variants up 0.24 to 0.2516 days after the RBA rise to 4.60%
      All Variable · P&I · Owner-occupier
      ≤60% LVR6.446.69+0.25
      60–80% LVR6.546.79+0.25
      80–90% LVR6.746.98+0.24
      90–95% LVR7.287.53+0.25
      +0.24 to +0.25

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.

Also from Bank of Sydney: Expect More Home Loan Fixed 6.10% · BOS Basic Home Loan 6.48%

As of 1 November 2026, the Bank of Sydney Expect More Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.79% (6.64% advertised), ranking 79th of 93 variable owner-occupier P&I loans and sitting 0.21 points above the market average of 6.58%. The product comes in 10 variants; the others are investor, interest-only and other LVR bands. Its rate last moved on 16 October 2026, 16 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.