Other interest rates: Deposit Interest Rates or Business Interest Rates?
Rates are effective from 19 June 2009 but are subject to change without notice.
On this page: Home Loans : Share Loan : Personal Finance : Small Business
Home Loans
Rates are applicable to both personal purposes and investment home loans unless otherwise specified.
Standard Variable Home Loan
|
Loan Type
|
Reference Rate
|
|
Variable#
|
5.80% p.a.
|
5.96% p.a.
(based upon $150,000 over 25 years) |
#Low Doc Option is available on Standard Variable, Back to Basics, Asset Line, 1 Year Fixed, 2 Year Fixed, 3 Year Fixed and 5 Year Fixed. A Low Doc Margin is added to the standard reference rate displayed.
*Download the Comparison Rate Schedule in PDF format
Back to Basics
|
Loan Type
|
Reference Rate
|
|
Variable Rate#
|
5.22% p.a.
|
5.27% p.a.
(based upon $150,000 over 25 years) |
#Low Doc Option is available on Standard Variable, Back to Basics, Asset Line, 1 Year Fixed, 2 Year Fixed, 3 Year Fixed and 5 Year Fixed. A Low Doc Margin is added to the standard reference rate displayed.
*Download the Comparison Rate Schedule in PDF format.
Bridging Loan
|
Loan Type
|
Reference Rate
|
|
| Bridging Loan |
5.95% p.a. |
6.09% p.a.
(based upon $150,000 over 25 years) |
*Download the Comparison Rate Schedule in PDF format.
Fixed Rate Home Loans
|
Loan Type
|
Reference Rate
|
|
Introductory 1 Year Fixed Rate
(reverts to the Standard Variable Loan rate at the expiry of the 12 month period)
|
5.39% p.a.
|
5.91% p.a.
(based upon $150,000 over 25 years) |
1 Year Fixed Rate#
(reverts to the Standard Variable Loan rate at the expiry of the 1 year period) |
5.39% p.a.
|
5.91% p.a.
(based upon $150,000 over 25 years) |
2 Year Fixed Rate#
(reverts to the Standard Variable Loan rate at the expiry of the 2 year period) |
5.99% p.a.
|
5.99% p.a.
(based upon $150,000 over 25 years) |
3 Year Fixed Rate#
(reverts to the Standard Variable Loan rate at the expiry of the 3 year period) |
6.49% p.a.
|
6.15% p.a.
(based upon $150,000 over 25 years) |
5 Year Fixed Rate#
(reverts to the Standard Variable Loan rate at the expiry of the 5 year period) |
7.19% p.a.
|
6.57% p.a.
(based upon $150,000 over 25 years) |
#Low Doc Option is available on Standard Variable, Back to Basics, Asset Line, 1 Year Fixed, 2 Year Fixed, 3 Year Fixed and 5 Year Fixed. A Low Doc Margin is added to the standard reference rate displayed.
*Download the Comparison Rate Schedule in PDF format.
Asset Line
|
Loan Type
|
Reference Rate
|
Asset Line#
|
5.80%p.a.
|
#Low Doc Option is available on Standard Variable, Back to Basics, Asset Line, 1 Year Fixed, 2 Year Fixed, 3 Year Fixed and 5 Year Fixed. A Low Doc Margin is added to the standard reference rate displayed.
Low Doc
|
Margin Type
|
Margin
|
| Low Doc |
0.15% p.a. |
Low Doc option is available for Standard Variable, Back to Basics, 1 Year, 2 Year, 3 Year and 5 Year Fixed and Asset Line. A Low Doc Customer Margin is applied to the Reference Rate for the relevant product displayed above.
Loan to Value margin
|
Margin Type
|
Margin
|
| Loan to Value |
0.20% p.a. |
A Loan to Value interest rate margin is added to standard reference rates displayed for Variable, Back to Basics, Asset Line and all Fixed rate home loans where you borrow 90% or more of the value of the property as determined by the Bank.
Ready Access
|
Loan Type
|
Reference Rate
|
|
|
Ready Access
|
5.90% p.a.
|
These products are not available for new loans
Professional Package
|
Loan Type
|
Annual Percentage Rate
|
Professional Asset Line
|
5.70% p.a.
|
Professional Ready Access
|
5.40% p.a.
|
These products are not available for new loans
Reverse Mortgage
|
Loan Type
|
Reference Rate
|
|
| Variable |
6.75% p.a. |
6.78% p.a.
(based upon $150,000 over 25 years) |
5 Year Fixed Rate
(reverts to the Reverse Mortgages Variable Loan rate at the expiry of the 5 year period) |
8.85% p.a. |
7.19% p.a.
(based upon $150,000 over 25 years) |
10 Year Fixed Rate
(reverts to the Reverse Mortgages Variable Loan rate at the expiry of the 10 year period) |
9.30% p.a. |
7.79% p.a.
(based upon $150,000 over 25 years) |
15 Year Fixed Rate
(reverts to the Reverse Mortgages Variable Loan rate at the expiry of the 15 year period) |
9.60% p.a. |
8.48% p.a.
(based upon $150,000 over 25 years) |
20 Year Fixed Rate
(reverts to the Reverse Mortgages Variable Loan rate at the expiry of the 20 year period) |
9.60% p.a. |
9.05% p.a.
(based upon $150,000 over 25 years) |
| Lifetime Fixed Rate |
9.60% p.a. |
9.62% p.a.
(based upon (based upon $150,000 over 25 years) |
*Download the Comparison Rate Schedule in PDF format.
# Reverse Mortgages are provided by Reverse Mortgage Services Pty Ltd (ABN 87 114 594 080), a subsidiary of ABN AMRO Bank N.V. and subsidiary undertaking of The Royal Bank of Scotland Group plc.
Share Loan
Margin Lending
|
Loan Type
|
Annual Percentage Rate
|
| Variable - less than $500,000 |
7.99% p.a. |
| Variable - $500,000 and over |
7.74% p.a. |
| 3, 6, 9 Month Fixed Rate - less than $500,000 |
7.55% p.a. |
| 3, 6, 9 Month Fixed Rate - $500,000 and over |
7.30% p.a. |
| 1 Year Fixed Rate - less than $500,000 |
6.95% p.a. |
| 1 Year Fixed Rate - $500,000 to $999,999 |
6.75% p.a. |
| 1 Year Fixed Rate - $1,000,000 and over |
6.55% p.a. |
| 2 Year Fixed Rate - less than $500,000 |
8.10% p.a. |
| 2 Year Fixed Rate - $500,000 and over |
7.90% p.a. |
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Customers looking for Margin Lending Fixed Loan rates greater than 2 years, please contact the Account Management Team on 1800 805 972
Margin Trader
|
Loan Type
|
Annual Percentage Rate
|
| Variable - Less than $100,000 |
8.99% p.a. |
| Variable - $100,000 and less than $250,000 |
8.99% p.a. |
| Variable - $250,000 and less than $500,000 |
8.99% p.a. |
| Variable - $500,000 and over |
8.79% p.a. |
|
|
| 1 Year Fixed Rate - less than $500,000 |
8.50% p.a. |
| 1 Year Fixed Rate - $500,000 and over |
8.10% p.a. |
For a complete guide to the fees and charges, please download the Suncorp Margin Trader Interest Rates, Rebates and Fees & Charges Guide (PDF, 48kb)
Please read the Suncorp Margin Trader Terms & Conditions (PDF, 226kb) before applying for Suncorp Margin Trader.
Personal Finance
Personal Loan - Unsecured
|
Loan Amount
|
Annual Percentage Rate
|
|
$5,000 and over
Personal loan interest rates can change at any time prior to a loan being funded (settlement) after which time the rate will be fixed for the Fixed Interest Period. |
13.48% p.a.
|
15.76% p.a.
(based upon $10,000 over 3 years)
14.07% p.a.
(based upon $30,000 over 5 years) |
Download the Comparison Rate Schedule in PDF format.
Secured Car Loans
|
Loan Type
|
Annual Percentage Rate
|
|
Secured Car Loans $5,000 and over
Personal loan interest rates can change at any time prior to a loan being funded (settlement) after which time the rate will be fixed for the Fixed Interest Period. |
9.75% p.a.
|
12.04% p.a.
(based upon $10,000 over 3 years)
10.34% p.a.
(based upon $30,000 over 5 years) |
Download the Comparison Rate Schedule in PDF format.
Personal Overdraft
|
Loan Type
|
Annual Interest Rate
|
Formal
|
16.75% p.a.
|
Informal
Casual Overdraft Reference Rate |
19.75% p.a.
|
Small Business
Small Business Loans*
|
Loan Type
|
Annual Percentage Rate - Residential Security
|
Variable Rate
|
7.84% p.a.
|
| Business Essentials Loan Rate |
6.24% p.a. |
6 month Intro
|
8.80% p.a.
|
1 Year Fixed Rate
|
6.70% p.a.
|
2 Year Fixed Rate
|
6.70% p.a.
|
| 3 Year Fixed Rate |
6.80% p.a. |
| 4 Year Fixed Rate |
7.30% p.a. |
5 Year Fixed Rate
|
7.80% p.a.
|
*An interest margin of 0.15% (for new business) will be added to Small Business Loans with Commercial/Other Security.
Small Business Overdrafts#
|
Loan Type
|
Annual Percentage Rate - Residential Security
|
Annual Percentage Rate - Commercial/Other Security
|
Variable
|
9.34% p.a.
|
9.49% p.a. |
#Calculated as the Bank's Small Business Overdraft Reference Rate plus a margin.
Small Business Line of Credit#
|
Loan Type
|
Annual Percentage Rate - Residential Security
|
Annual Percentage Rate - Commercial/Other Security
|
| Variable |
7.94% p.a. |
8.09% p.a. |
#Calculated as the Bank's Small Business Line of Credit Reference Rate plus a margin.
Low Doc*
|
Margin Type
|
Margin
|
| Low Doc |
0.15% p.a. |
*Low Doc option is available on Standard Variable, 1 Year Fixed, 2 Year Fixed, 3 Year Fixed, 4 Year Fixed and 5 Year Fixed loans. Low Doc Customer Margin will be added to relevant rate displayed.
Comparison Rate
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Comparison rate schedules are available at any Suncorp branch.
Download the Home Loan Comparison Rate Schedule in PDF format.
Download the Personal Loan Comparison Rate Schedule in PDF format.
Find out more about Comparison Rates
