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1300 BANKING (Option 4: Broker Enquiries)

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Bank of Sydney has been operating in Australia under a full banking licence since 2001.

Regulated by APRA and covered under the Australian Government Deposit Guarantee, we maintain a healthy loan-to-deposit ratio and strong capital position.

Our loan book is funded from our direct deposits which allows certainty, flexibility and nimbleness in pricing.

With 16 branches across Sydney, Melbourne and Adelaide, Bank of Sydney aims to offer its customers premium service and personal relationship banking, as well as competitive products and services to help them achieve their financial goals.

We are committed to treating our brokers with respect and value, providing them with direct access to loan processing officers.

Our branches will work closely with your customers and yourself to ensure their everyday banking needs are met.

Our vision is to become Australia’s only true Relationship

Bank.

Bank of SydneyAbout us

Criteria:

• Max LVR 80%

• P&I Repayments Only

• Available for Purchases and $ for $ refinances Only

• Property to be situated in Metro postcodes only (ex NT, WA & TAS)

Restrictions apply for properties located in regional postcodes and QLD

Benefits:• $0 Application Fee

• $0 Monthly Account Keeping Fees

• Free Redraw Facility

• Minimum loan size of $250,000

*BOSBasic Home Loan applies for new loans and/or refinances. Pre-requisites: 80% LVR in metro postcodes only (excluding NT, WA & TAS), P&I repayments. Rates and Offer are subject to change at any time.** The comparison rate is based on a secured loan of $150K over a term of 25 years. WARNING: The 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.All applications subject to meeting lending criteria and Bank of Sydney approval. Customer pays for Valuation and Legal Fees.Terms and Conditions and Fees & Charges apply and are documented in the loan terms and conditions and the Product Disclosure Statement (PDS) which are available from any branch of Bank of Sydney, at banksyd.com.au or by calling 1300 BANKING ( 1300 226 546 ) . It is recommended that you read them prior to making any decisions as this advice is general and does not take into account specific individual needs.Bank of Sydney Ltd (BOS) ABN 44 093 488 629 | AFSL and Australian Credit License No. 243 444.

Benefits:• $0 application fee

• Up to $475 in legal fees covered by BOS

• Up to $420 in valuation fees covered by

BOS

• $0 to access your redraw facility

• $0 account keeping fees

Features:• A 100% Offset Home Loan Transaction account

(Variable Rate Loan only)

Criteria:

• Max LVR 70%

• P&I Repayments Only

• Annual Package Fee waived for the life of the loan

• Property to be situated in Metro postcodes only

(ex NT, WA & TAS)

*The comparison rates are based on a secured loan of $150K over a term of 25 years. WARNING: The comparison rates are 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.

Note: LVR 80% available same rates but attract Annual Package Fee $395-

Expect More Home LoanFixed Rate

1 Year Fixed Rate

3.84%p.a.

Comparison Rate

4.65%p.a.*

2 Year Fixed Rate

3.89%p.a.

Comparison Rat

4.58%p.a.*

3 Year Fixed Rate

3.89%p.a.

Comparison Rate

4.52%p.a.*

5 Year Fixed Rate

4.19%p.a.

Comparison Rate

4.52%p.a.*

Expect More Home Loan PackageOwner Occupier

Variable Rate

3.66%p.a.

Comparison Rate

3.68%p.a.*

Features :• A 100% Offset Home Loan Transaction account

(Variable Rate Loan only)

Benefits :• $0 application fee

• Up to $475 in legal fees covered by BOS

• Up to $420 in valuation fees covered by BOS

• $0 to access your redraw facility

• $0 account keeping fees

Criteria:

• Max LVR 70%

• P&I or I/O(5 years) Repayments

• Annual Package Fee waived for the life of the loan

• Property to be situated in Metro postcodes only

(ex NT, WA & TAS)

*The comparison rates are based on a secured loan of $150K over a term of 25 years. WARNING: The comparison rates are 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.

Expect More Home LoanFixed Rate P&I

1 Year Fixed Rate

4.09%p.a.

Comparison Rate

5.56%p.a.*

2 Year Fixed Rate

4.14%p.a.

Comparison Rate

5.42%p.a.*

3 Year Fixed Rate

4.24%p.a.

Comparison Rate

5.32%p.a.*

5 Year Fixed Rate

4.59%p.a.

Comparison Rate

5.25%p.a.*

Expect More Home Loan PackageInvestment. Principal & Interest Only

Variable Rate

4.19%p.a.

Comparison Rate

4.21%p.a.*

Note: LVR 80% available same rates but attract Annual Package Fee $395-

Variable Rate

4.39%p.a.

Comparison Rate

4.41%p.a.*

Investment Interest Only

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Accessing the BoSNetworkAcross Australia

Bank of Sydney Customers can access their accounts multiple ways;

- 16 Branches Across Australia - At over 3,400 rediATMs using a VISA

debit card- Online and Mobile Banking- Bank @ POST- Tap and Pay with; Apple Pay,

Samsung Pay and Android Pay.

Supporting Documents required for PAYG Salary and Wages• The two most recent electronically issued

pay slips• Most recent PAYG Payment Summary• Most recent Notice of Assessment

Supporting Documents required for Self Employed Income.• Individual - last two years tax returns and

Notice of Assessment• Corporate/Trusts - last two years tax returns

and accountant prepared financial statements.

• Tax status confirmed by Tax Portals and Integrated Client Account Portal for each self-employed borrower and guarantor.

What percentage of Overtime, Bonus and Commission income can be used for servicing?75% of the consistent average payment over the last 2 years, where the applicant is employed as an Essential Service we can take 100 % of the average income over the last 2 years.Note: Essential Services industry defined as Ambulance, Police, Fire Service, Medical Nursing, Medical Doctors, Defence, and Corrective Services.

Do you use family tax benefits part A & B for servicing?Yes, 100% of payments where the child is less than 11 years old at the time of application.

Can you use Casual Income for servicing?Yes we can, where the applicants can demonstrate:• Minimum 12 months in current role• Completion of any probationary periodNote: Casual employment income from borrowers will only be accepted when applying for a loan jointly with a full-time salaried or self-employed applicant i.e. applicants whose sole income is casual will not be acceptable.

Frequently Asked QuestionsResidential Home Loans

Cash Out and Debt Consolidation.Applicants should disclose the purpose of any ‘cash out’ components of an application for financeMax LVR 70%Where the ‘cash out’ component is less than or equal to $50,000 no formal evidence of purpose is required.Where the ‘cash out’ component is greater than $50,000, reasonable evidence or purpose is to be provided, particularly where the Bank will not be controlling the release of funds.

General Requirements for VOI.The VOI Certificate may only be completed by a Bank of Sydney Accredited Broker and cannot be related to the person being identified. The certification process requires that a Face-to-face interview must be conducted within Australia Where the broker cannot complete a face to face interview the VOI certification may be completed via Zip ID, Global X or at a Bank of Sydney branch.

Do we offer business loans?Yes, whether P&I or Interest only with a choice of fixed or variable rates, our business loans can go up to 10 years

Not just bank accounts, but also Overdrafts.No minimum monthly repayments and interest paid only on the actual funds used.

What about Construction Finance?We help will all types of projects including residential, industrial and commercial development.

Specialized loans!Yes, be it a pub, a restaurant or a service station, just to name a few, we are happy to support.

Can we help importers and exporters?Yes. Documentary Credits (Import & Export), Finance options (Pre-shipment &/or Post-shipment), Risk Mitigation tools (e.g. LC confirmations), & FX.

NSWHisham NakkashHisham.Nakkash@banksyd.com.au0409 777 636

VIC/SALucien FarrajLucien.Farraj@banksyd.com.au0439 339 034

Do we do ResiSec Business & Commercial Loans?Yes, up to 30 years loan term with an LVR up to 80%.

Frequently Asked QuestionsCommercial Loans

Do we do Commercial Loans?Yes, up to 70% LVR. P&I &/or Interest only up to 15 years loan term.

Commercial Lending Specials

Business ResiSec Special

4.19%p.a.

Business ResiSec Overdraft

4.55%p.a.

* Trail commission paid from day one of settlement

Upfront 0.715% (Incl. GST)

Trail 0.22% (Incl. GST)*

Residential:

Upfront 0.55% (Incl. GST)**

Trail 0.25% (Incl. GST)***

**Option to share the application fee*** Trail commission paid on all commercial loans except construction

Commercial:

Clawback

0 – 12months 100% Upfront

>12 months <=18 months

50% Upfront

> 18 months 0% Upfront

CommissionsResidential and Commercial

Please contact BoSbroker on 1300 banking or email bosbroker@banksyd.com.au

Brokers operating via accredited Aggregator

1. Complete the Broker Accreditation Form and send to your aggregator for sign off.2. Once received BOSbroker will process your accreditation request within 48 hours3. We will email you acceptance and broker identification number.

BoSbrokerAccreditation

Application Process

Lodge Application via Apply On Line Submit supporting documents including VOI and servicing

calculator on DocAttach or email to:bosbroker@banksyd.com.au

BoS Assessor will email you with their details once the loan is allocated so that you have a direct contact point

We will backchannel message progress of the loan via AOL We will email requests for further documents or explanations Current SLA to conditional approval is 3 days from receipt of

application and all supporting documents

Contact Details

Jenna DeutscherRelationship Manager

NSW/ QLD

Jenna.Deutscher@banksyd.com.au

(M) +61 417 909 758(L) +61 2 8262 9088

Enquiriesbosbroker@banksyd.com.au

Phone: 1300 Banking select Broker(226 5464)