3.69%p.a. (CR 4.09%p.a.) with $1500 cashback!

Want a great offer from a bank? 3.69%p.a. (CR 4.09%p.a.) with up $1500 cashback^. Your time has come!


Apply for a new mortgage or refinance your existing mortgage with Bank of Sydney by 30/06/2017 using Naritas and you could get a great rate on your mortgage & cashback!

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Home Loan rates

The cashback payment offer

Fees & charges

Expect More Package features

How to get started


Home Loan rates

  • Owner Occupier Expect More Package Variable from 3.69% p.a. CR 4.09† p.a.

 The Cashback Payment offer

  • If you’re borrowing $500,001+ you could get $1,500 cashback^ by establishing a new loan with Bank of Sydney using Naritas OR
  • If you’re borrowing $400,001-$500,000 you could get $1,000 cashback^ by establishing a new loan with Bank of Sydney using Naritas OR
  • If you’re borrowing $300,000-$400,000 you could get $500 cashback^ by establishing a new loan with Bank of Sydney using Naritas.

Bank of Sydney has some of the most competitive loans in the country, and you could qualify for their special packaged home loan discount rate if you have:

  • At least 20% equity (i.e. max 80% LVR).
  • Minimum home loan of $300,000.
  • PAYG only.
  • Minimum 1 year in same line of employment.
  • Principal & Interest.
  • Sydney, Melbourne & Adelaide Metro postcodes only.

Fees & charges:

  • $0 loan application fee.
  • $395 annual package fee.
  • Legal fees – Covered by package up to $400.
  • Valuation fees – Covered by package up to $330.
  • Discharge cost – $300 plus legal costs (only payable when exiting/discharging the loan).

See how much you could save:

  • See how much you could save when you switch to Bank of Sydney’s Expect More Package home loan.
  • We think this offer is extremely sharp especially for a $500,000+ loan size when measured over an average product retention period of 3 years. Why? The $1500 upfront rebate from Naritas can help you to negate the cost of the annual fee and discharge fee.  This may mean that the effective interest rate has the potential to be extremely close to the headline interest rate (3.69%p.a.) in many scenarios.


Bank of Sydney’s Expect More Package comes with a range of great features:
100% Offset Facility covered by the AusGov Financial Claims Scheme $0 annual fee on their Real Cashback Platinum Visa Card
Money Magazine’s Best of the Best 2017 Winner $0 application fee
Android Pay & Apple Pay Free ATM transactions via NAB and rediATM ATMs

How do I get started with a Bank of Sydney approval from Naritas?

The team at Naritas are experts in delivering timely guidance & finance approvals.  We have over 100 lenders on our panel & a high quality team of dedicated advisers to steer you efficiently through the approval process.

To make an enquiry online with our team, click here. Alternatively please feel free to phone us on 1300 558 887 during business hours.


^Naritas Finance Cashback Terms & Conditions:

  1. This offer is provided by Naritas Finance Pty Ltd ABN 74 096 341 061 of Level 1, 357 Military Road, Mosman, NSW, 2088 (“Naritas”).
  2. This offer commences 27 March 2017 and closes 30 June 2017 (“Offer Period”).
  3. This offer is open to Australian residents only.
  4. A payment under the Cashback Offer (“Cashback Payment”) will be paid for residentially secured home loans settled during the Offer Period subject to conditions 5 to 15 below.
  5. A borrower must refinance or purchase using Naritas to arrange a Bank of Sydney (BoS) Home Loan to be eligible for the Cashback Offer. A borrower’s loan application in conjunction with this Cashback Offer will be subject to BoS’s usual credit assessment and approval processes.
  6. The Cashback Payment is $1500 where as a result of a refinance or new mortgage under this promotion, the total loan refinanced, either jointly or individually using Naritas is $500,000 or more.
  7. The initial loan application must be received during the Offer Period.
  8. The approved loan must be funded by 30 June 2017.
  9. A borrower is eligible for a Cashback Payment only once during the Offer Period. Once a loan application that is eligible for a Cashback Payment is received, no further loans which include that borrower, jointly or individually will be eligible for a Cashback Payment.
  10. Fees and charges apply to loans taken out under this Cashback Offer. Refer to the Loans Fees and Charges brochure or the Mortgage Loan Schedule for details.
  11. The Cashback Payment of will be deposited to the loan account for the refinanced loan after the settlement date. The Cashback Payment will not be made to the borrower in “cash” (i.e. notes and/or coin) or cheque.
  12. A borrower cannot transfer or assign their right to the Cashback Payment to any other person.
  13. Naritas accepts no responsibility for any tax implications that may arise from the Cashback Offer. The borrower should seek their own independent advice in this regard.
  14. Offer not available in conjunction with any other Naritas promotional offer.
  15. Participation in the Cashback Offer is deemed acceptance of these terms.


*Special Discounted Rate applies to minimum loan size of $300,000 or Loan to Value Ratio under 80% (more than 20% equity) for owner occupied residentially secured home loans. Terms and conditions apply.

† The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison Rate.


Naritas Finance Pty Ltd ACN 096 341 061, Australian Credit Licence 441723