Expect More Home Loan Owner Occupied

As of 18 September 2026, the Bank of Sydney Expect More Home Loan Owner Occupied's variable owner-occupier P&I variant has a comparison rate of 6.54% (6.39% advertised), ranking 63rd of 107 variable owner-occupier P&I loans and sitting 0.22 points below the market average of 6.76%. The product comes in 4 variants; the others are other LVR bands.

6.54%comparison rate p.a.

6.39% advertised · Variable · P&I · Owner-occupier · 60–80% LVR

3 other variants: other LVR bands below.

Go to Bank of Sydney

Rate over time

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

Expect More Home Loan Owner Occupied · Variable · P&I · Owner-occupier
RBA cash rate
Market average

Changes

No changes recorded for this product since tracking began on 12 September 2026.

Rates by variant

Comparison rate · advertised rate

Variable · P&I · Owner-occupier · ≤60% LVR: 6.44% comparison · 6.29% advertised
Variable · P&I · Owner-occupier · 60–80% LVR: 6.54% comparison · 6.39% advertised
Variable · P&I · Owner-occupier · 80–90% LVR: 6.74% comparison · 6.59% advertised
Variable · P&I · Owner-occupier · 90–95% LVR: 7.28% comparison · 7.14% advertised

Fees

Headline variant

Application fee: None
Ongoing fee: None
Discharge fee: $400
Redraw fee: None

Features

Headline variant

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

Eligibility

Minimum loan: $100,000

About this product

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.

Compare all home loans