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Manage your home loan
It’s simple & convenient to manage your home loan with the following helpful information, tools & services.
Enquire onlineCheck interest rates
Or call us on 13 11 55 Mon - Fri 8am - 6pm (AEST)
Make your loan work for you
Home Loan Cashback1
Cashback could allow you to redraw funds from your extra repayments, giving you more freedom. Available by application and subject to conditions specified in the contract.
Increase your existing home loan
Planning a renovation? Looking to buy a car? With a Suncorp ‘Add’ loan you can increase your existing variable home loan to access additional funds. Have a fixed rate home loan? Then you can consider a home equity loan, which will provide the funds as a separate home loan account.
Save with mortgage offset2
If you have a Standard Variable home loan, you can choose to use the balance from a Suncorp Everyday Options Account to offset against the remaining balance of your home loan.
‘Splitting’ your loan3
Choose to ‘split’ your loan with a loan with a choice of different home loan products.
Feel in control of your loan and repayments
Closing your home loan
Whether you’re selling your home, changing to another bank or paying out your loan – we can help. Follow our simple guide to help you through the process of closing your home loan.
Finishing a term on a fixed rate home loan
If you’ve fixed all or part of your home loan for a term and that term is about to expire, then it’s a great time to think about your next move with your home loan.
Manage your home loan repayments
Handy tips on how you can knock years off your home loan.
Interest rates are changing. How will this affect you?
Following the Reserve Bank of Australia’s November 2023 decision to increase the cash rate, our variable home loan rates will increase by 0.25% p.a. effective 17 November 2023.
From 17 November 2023, all current Suncorp Bank variable rate home loans will increase by 0.25% p.a. The change does not apply to current fixed rate home loans.
Your new interest rate will be applied as of 17 November 2023. You can view your updated interest rate in Internet Banking and the Suncorp App on the following day.
If you’re making Principal and Interest repayments, your minimum repayment won’t increase straightaway. We will notify you by mail and give you at least 20 days notice of your new minimum repayment amount. Once the new minimum repayment has been applied to your loan you’ll be able to view this anytime in Internet Banking and the Suncorp App.
If you’re making Interest Only repayments or you have a line of credit, the interest payable will increase when the new rate takes effect on 17 November 2023.
You can estimate how much your repayments may be using our Home Loan Repayment Calculator.
If you can’t make your Suncorp Bank loan repayments or meet other financial commitments – or you think you’ll be experiencing difficulty soon – we’re here to help.
Contact us on 1800 225 223 (8:30am-5pm, Mon-Fri, AEST) or find out how to submit a request for assistance. Our Customer Assist team can help you get the support you need.
Whether you need temporary assistance or help over a longer period, the sooner you get in touch, the sooner we’ll be able work out a plan to help you get back on track.
This interest rate change means that your current loan repayment may not cover your new minimum loan repayment if you don’t take action. You will need to review your current repayment amount to ensure your repayment arrangements are sufficient to cover your new repayment amount.
You can manage your repayments from your Suncorp account via Suncorp Internet Banking, the Suncorp App or by contacting us on 13 11 55. If you have a direct debit, you can update this by sending us a secure message via Suncorp Internet Banking or contacting us on 13 11 55.
If your repayments are by automatic transfer from another financial institution, you can update this transfer via their internet or mobile banking, or by contacting them directly.
For additional assistance or information, please contact us on 13 11 55 or send us a secure message via Suncorp Internet Banking.
Interest rates are changing. How will this affect you?
Following the Reserve Bank of Australia’s June 2023 decision to increase the cash rate, our variable home loan rates increased by 0.25% p.a. effective 16 June 2023.
From 16 June 2023, all current Suncorp Bank variable rate home loans increased by 0.25% p.a. The change does not apply to current fixed rate home loans.
Your new interest rate will be applied as of 16 June 2023. You can view your updated interest rate in Internet Banking and the Suncorp App on the following day.
If you’re making Principal and Interest repayments, your minimum repayment won’t increase straightaway. We will notify you by mail and give you at least 20 days notice of your new minimum repayment amount. Once the new minimum repayment has been applied to your loan you’ll be able to view this anytime in Internet Banking and the Suncorp App.
If you’re making Interest Only repayments or you have a line of credit, the interest payable increased when the new rate took effect on 16 June 2023.
You can estimate how much your repayments may be using our Home Loan Repayment Calculator.
If you can’t make your Suncorp Bank loan repayments or meet other financial commitments – or you think you’ll be experiencing difficulty soon – we’re here to help.
Contact us on 1800 225 223 (8:30am-5pm, Mon-Fri, AEST) or find out how to submit a request for assistance. Our Customer Assist team can help you get the support you need.
Whether you need temporary assistance or help over a longer period, the sooner you get in touch, the sooner we’ll be able work out a plan to help you get back on track.
This interest rate change means that your current loan repayment may not cover your new minimum loan repayment if you don’t take action. You will need to review your current repayment amount to ensure your repayment arrangements are sufficient to cover your new repayment amount.
You can manage your repayments from your Suncorp account via Suncorp Internet Banking, the Suncorp App or by contacting us on 13 11 55. If you have a direct debit, you can update this by sending us a secure message via Suncorp Internet Banking or contacting us on 13 11 55.
If your repayments are by automatic transfer from another financial institution, you can update this transfer via their internet or mobile banking, or by contacting them directly.
For additional assistance or information, please contact us on 13 11 55 or send us a secure message via Suncorp Internet Banking.
Protecting & maintaining your home
Take advantage of our other products that could support you with your home, contents and other assets.
Get some quick answers
You can make additional repayments to your Standard Variable or Back to Basics Variable Home Loan at any time.
For Fixed Rate Home Loan, additional repayments of up to $500 in excess of your minimum monthly repayment are permitted. After that, an Early Payment Interest Adjustment Fee (EPIA) may apply.
For more information on fees, view the EPIA brochure.
You can see the amount you’re required repay each period (weekly, fortnightly or monthly) for your home loan in Internet Banking.
If you have an existing Suncorp Bank Home or Personal Loan, your interest rate will appear on your statement. If you have Internet Banking simply click on the account number to display a summary of the loan which will include the current interest rate.
Put simply, the more money you're able to save, the less interest you'll end up paying on your home loan. For more in-depth information, please visit the Suncorp Offset page.
Chat to us today, we're here to help
1. You need to apply for Cashback, which may be available subject to conditions specified in the contract. Please read these conditions carefully. Available Cashback may exclude any recent cheque, direct debit or pay at post payments and external transfers cannot be performed using online Cashback. Fixed Rate home loans are excluded from Cashback.
2. A Mortgage Offset facility can be established by linking your Everyday Options Account to the loan account and having it in offset mode. A Mortgage Offset Fee may apply to link the 100% Home Loan Offset facility to your home loan, which is waivered under the Home Package Plus. The Mortgage Offset fee is charged to your linked loan account.
3. A minimum amount for each split is $10,000. Additional charges may be incurred for additional loans, unless held in a Home Package Plus.
For Fixed Rate Home Loans, an Early Payment Interest Adjustment (EPIA) applies if more than the prepayment allowance (currently $500.00 per month) is paid in excess of the agreed monthly repayment. The EPIA also applies if the loan is repaid in full or the agreed fixed rate period is broken for any reason. EPIA applies to the whole amount prepaid. Find out more information on EPIA or ask in branch for our EPIA brochure.
Banking products are issued by Suncorp-Metway Ltd ABN 66 010 831 722 AFSL No 229882 Australian Credit Licence 229882 (“Suncorp Bank”) to approved applicants only. Please read the relevant Product Information Document, Lending Fees and Charges and the Home Package Plus Terms and Conditions before making a decision regarding any Suncorp Bank products. Fees, charges, terms and conditions apply and are available on request or on our Product Information Documents and Forms page.
