BOSbroker.com.au

13 95 00 (Option 5: Broker Enquiries)

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 13 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 all Third Party staff including Credit Assessors.

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

Our vision is to be Australia's leading people focused bank.

About us

Criteria:

• Max LVR 70%

• $600 Application Fee

• P&I Repayments Only

• Minimum loan size of $250,000• Property to be situated in Metro postcodes only (ex NT, WA & TAS)

Restrictions apply for properties located in regional postcodes and QLD

Benefits:

• $0 Monthly Account Keeping Fees

• No fees when using Online Redraw Facility

• Up to $475 legal fees and $420 valuation fees covered

*BOSBasic Home Loan applies for new loans and/or refinances. Pre-requisites: 70% LVR in metro postcodes only (excluding NT, WA & TAS), P&I repayments. Rates and Offer are subject to change at any time. Minimum 1 year in the same line of employment.** 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 13 95 00. 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.

BOSBasic Home LoanOwner Occupied

Variable Rate

2.84%p.a. *

Comparison Rate

2.89%p.a.**

Rates Effective 24 March 2020.

Criteria:

• Max LVR 70%

• $600 Application Fee

• P&I Repayments

• Minimum loan size of $250,000

• Property to be situated in Metro postcodes only (ex NT, WA & TAS)Restrictions apply for properties located in regional postcodes and QLD

Benefits:

• $0 Monthly Account Keeping Fees

• No fees when using Online Redraw Facility

• Up to $475 legal fees and $420 valuation fees covered

*BOSBasic Home Loan applies for new loans and/or refinances. Pre-requisites: 70% LVR in metro postcodes only (excluding NT, WA & TAS), P&I repayments. Rates and Offer are subject to change at any time. Minimum 1 year in the same line of employment. ** 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 13 95 00.

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.

BOSBasic Home LoanInvestment Principal and Interest

Variable Rate

3.20%p.a.*

Comparison Rate

3.25%p.a.**

Rates Effective 24 March 2020.

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)

• $395 annual package fee waived for life of loan

Criteria:

• Max LVR 80%

• P&I Repayments Only

• Property to be situated in Metro postcodes only

(ex NT, WA & TAS)Restrictions apply for properties located in regional postcodes and QLD

*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.

All applications subject to meeting lending criteria and Bank of Sydney approval. 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 13 95 00.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.

Expect More Home LoanOwner Occupied

Variable Rate

2.94%p.a.

Comparison Rate

2.96%p.a.*

Rates Effective 24 March 2020.

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 80%

• P&I Repayments

• Property to be situated in Metro postcodes only

(ex NT, WA & TAS)Restrictions apply for properties located in regional postcodes and QLD *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. All applications subject to meeting lending criteria and Bank of Sydney approval. 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 13 95 00.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.

Expect More Home LoanInvestment. Principal & Interest

Variable Rate

3.50%p.a.

Comparison Rate

3.91%p.a.*

Rates Effective 24 March 2020.

Application Receipt Nextgen

BC Message

Email from Credit Assessor

Prelim Assessment Email / call from Assessor

Conditional approval

Email from Assessor/ introductory call from

branch to set up accounts

Unconditional Approval and handover to BSO

Email from Assessor. Handover to BSO. Email from BSO to

Broker.

Settlement

BSO call to Broker /Branch call to

customer ensure accounts and IB set up

Loan Application Communication Flow Chart

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Accessing the BoSNetworkAcross Australia

Bank of Sydney Customers can access their accounts multiple ways;

• 13 Branches Across Australia • At over 3,400 rediATMs using a VISA

debit card *Fees and charges may apply. • Online and Mobile Banking• Bank @ POST *Fees and charges may

apply. • 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

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/Allowances and Commission income can be used for servicing?

Overtime, shift, car - 75% of consistent 2 yr. average

Commission/ Bonus - lower of average last 2 years or 100% of recent year.

Essential Services (Ambulance, Police, Fire Service, Medical Nursing, Medical Doctors, Defence and Corrective Services)- haircuts do not apply

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 period

Note: 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

finance.

Max LVR 70%

equal to $50,000 no formal evidence of purpose is required.

$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 with all types of projects including residential, industrial and commercial development.

Specialised loans?

We are happy to support you and find a specialised loan suited to your needs.

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.au+61 409 777 636

VIC/SALucien FarrajLucien.Farraj@banksyd.com.au

+61 439 339 034

Do we do ResiSec Business & Commercial Loans?

Yes, up to 25 years loan term with an LVR up to 80%.

Frequently Asked QuestionsCommercial Loans

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

Commercial Lending Specials

Business ResiSec Special

3.99%p.a.

Business ResiSec Overdraft

4.55%p.a.

BUSINESS RESISEC SPECIAL

Special Loan Features

• No application fee• Valuation & Legal fees of up to $1,500 covered by

BOS• LVR up to 80%• Term: Up to 25 years (Principal & Interest)• Small monthly account keeping fee of $20

BUSINESS RESISEC OVERDRAFT

Special Loan Features

• No application fee• Valuation & Legal fees of up to $1,500 covered by

BOS• LVR up to 80%• Term: Annual Review• Monthly account keeping fee of $30 (based on

overdraft amount)

Available to residential property within QBE Metro Postcodes in NSW, VIC, SA & QLD. *Rates available as at 25/02/2020 and are subject to change at any time without prior notice. It is recommended that you read the PDS prior to making anydecisions.The PDS is available from any branch at banksyd.com.au or by calling 13 95 00 (Option 5 for Broker). This advice is general and does not take into account your specific needs.Terms and Conditions and normal lending criteria apply. Other fees and charges may apply.Bank of Sydney reserves the right to recoup out of pocket costs from the applicant in the event of approvals that do not proceed with settlement. Bank of Sydneycan withdraw this offer at any time. Bank of Sydney Ltd ABN 44093488629 AFSL & Australian Credit Licence No.243444

* Trail commission paid from day one of settlement

Upfront 0.715% (Incl. GST)

Trail 0.165% (Incl. GST)*

Residential:

Upfront 0.55% (Incl. GST)**

Trail 0.165% (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

13 95 00 (Option 5 )orEmail 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 hours.

3. We will email you acceptance and broker identification number.

BoSbrokerAccreditation

Contact Details

Jenna DeutscherRelationship Manager

NSW/ QLD

Jenna.Deutscher@banksyd.com.au

(M) +61 417 909 758

General Enquiriesbosbroker@banksyd.com.au

Phone: 13 95 00 (Option 5: Broker Enquiries)

Steve SampsonHead of Third Party Distribution

Steve.Sampson@banksyd.com.au

(M) +61 439 353 831