Money Manager - My Home Package

The Suncorp Money Manager - My Home Package allows owner occupiers or investors to choose from a range of competitive home loans and achieve savings on interest rates, loan establishment fees and account keeping fees, as well as providing discounts and benefits on other products and services.

This Package solution gives you the flexibility to add or remove multiple home loans to your Package at any time.

Compare our home loans with each other.

Feature
Choice of Home loan	Choose from the following eligible home loans Standard Variable Rate, Standard Fixed Rate or Asset Line (Low Doc loans excluded) and you can have multiple loans within the one package.
Combined Value Discounts#	If you are looking to pay off your home sooner our Combined Value Discount option is available to loans included in the Suncorp Money Manager - My Home Package. It takes into account the combined value of your home loans with Suncorp and applies a discount to the interest rate for applicable loans. The discounts do not apply during any fixed rate period, however the discount will automatically activate at the end of the fixed rate period when the loan converts to the Standard Variable rate. Interest rate discounts are subject to change at any time without notice. Total Home Lending Discount Margin less than $150,000 No Discount between $150,000 and $249,999 Discount of 0.50% p.a. (Approximate savings value of $500 p.a. per $100,000 loan balance outstanding) $250,000 and above Discount of 0.70% p.a. (Approximate savings value of $700 p.a. per $100,000 loan balance outstanding)
Fees	No upfront establishment fees or ongoing account keeping fees on Standard Variable Rate, Fixed Rate and Asset Line Home Loans in the Package (1) , (2)
Everyday Options Transaction Account	This account is an essential component of the Package as the Package Fee is payable under the Everyday Options Account terms & conditions. Key features of this account: Unlimited Suncorp transactions , no account keeping fees and optional linked high interest sub-accounts. Or choose: *100% Home Loan Offset Facility on Everyday Options account/s (excludes flexiRates) linked to a Standard Variable Rate Home Loan to help you save money to repay your loan sooner
Optional Suncorp Home Loan Protect+	Designed to payout your loan contract (minimums and maximums apply) if you die or are Loan Protect diagnosed with a terminal illness while your policy is in force. In the event of a claim the sum insured, up to the balance outstanding on the loan, will be used to pay off your loan contract. The remainder of the sum insured, if any, will be payable to you if you are diagnosed with aterminal illness or to your legal personal representative if you die. Please refer to the Product Disclosure Statement for full details of features, benefits and exclusions.
Choice of Suncorp Clear Options Credit Card	Choose from the Suncorp Clear Options Standard, Plus or Gold cards and you wont pay the annual card fee (1) for as long as you are in this Package
Savings on Personal Loans	When you have this Package, you wont pay any upfront loan establishment Fees on Suncorp Personal Loans1.
Other great benefits	*Discounts on a range of other financial products across banking, lending, insurance and financial planning.
Suncorp Deposit Kickstart	This option enables you to use the equity in the home of a family member or friend towards the purchase of your new home. Suncorp could lend you up to 110% (4) of the purchase price and or valuation of your new owner occupied home (whichever is the lesser). This option is available to: First Home Owners, customers who refinance an owner occupied home loan to Suncorp, or for the purchase of a new residential owner occupied home. First Home Owners may also qualify for the First Home Owners Grant. We can process the First Home Owners Grant application on your behalf with the Suncorp Home Loan.

*These particular benefits are also available outside this package
#These benefits are also available to eligible loans outside of this package
+ Suncorp Home Loan Protect is issued by Suncorp Life & Superannuation ABN 87073 979 530.

Fees
Package fee	Annual Fee of $300 charged at a rate of $25 per month (in arrears) under your Everyday Options Account terms and conditions.

Save money to help pay off your home loan sooner

You get the maximum benefit the Package has to offer if:

• Your Home Loan will be $150,000 or more, and
• You are looking for a solution to manage your money to help pay off your home sooner or take advantage of the equity you have in your property to help build wealth.
• You want to reduce the cost of borrowing even greater savings if you have multiple home loans in the Package.

Add these options to your Package for a money management solution with additional savings

• Suncorp or GIO Insurance Discounts - when you apply for a home loan, ask our Home Lending Specialist about our special insurance offers.
• Financial Planner Complimentary Consultation - A Suncorp Financial Planner will explain the range of services available including superannuation management, retirement planning, tax planning, investment planning and risk management. A fee may be charged if a financial plan is prepared.
• Phone and Internet Banking - both facilities provide a very convenient way to make your home loan repayments and manage your money with Suncorp 24 hours a day, 7 days a week.

For more information about the Suncorp Money Manager My Home Package, call into your nearest branch for a copy of our Package brochure or call 13 11 55 and at the prompt say Home Loan.

For a complete guide to the fees and charges on our loans, please download the Lending Fees and Charges brochure (PDF, 301kb) or obtain a copy from a Suncorp branch near you.

Important Information

1. The fees listed will be charged but Suncorp will refund the fee to your account.
2. An amount equal to the upfront Loan Establishment Fee on Standard Variable Rate and Fixed Rate Home Loans is included in the Deferred Establishment Fee. A Deferred Establishment Fee applies if the loan is paid out within the first 4 years.
3. Exclusions and maximum loan amounts apply. Suncorp will lend you 95% of the purchase / construction price or valuation (whichever is the lower).
4. Terms and Conditions apply.