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What can I expect?

Whether you want to get pre-approval, a new loan or refinance your existing loan with Suncorp, you can apply quickly online. Your dedicated lender will review your application and reach out to you in the next business day to discuss your options and answer any questions you have.

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Are you buying a home or looking to refinance?
You can apply online in around 10 minutes.

What can I expect?

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We'll call you within 24hrs (or the next business day) to answer questions and discuss your home lending needs.

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Our expert lenders are here to help from
Mon-Fri 8am-7pm, Sat-Sun 9am-5pm (AEST).

What can I expect?

Whether you want to get pre-approval, a new loan or refinance your existing loan with Suncorp, you can apply quickly online. Your dedicated lender will review your application and reach out to you in the next business day to discuss your options and answer any questions you have.

Great rates means more for you

Back to Basics
Our lowest variable rate
Our low rate & low fee home loan

Owner Occupied

Discounted Back to Basics Variable Rate with Better Together Special Offer. Owner Occupied. New to bank lending >= $150,000. Maximum LVR 70%. Principal and Interest Repayment.

Standard Variable
Variable rate with optional offset
Most popular

Owner Occupied

Discounted Standard Variable Rate in Home Package Plus. Owner Occupied. New to bank lending >= $150,000. Maximum LVR 80%. Principal and Interest repayments.

Fixed Rate
Fixed rate & term
Set your rate for 1, 2, 3 or 5 years

Owner Occupied

Discounted 1 Year Fixed Rate in Home Package Plus. Owner Occupied. New to bank lending in the HPP >= $150,000. Maximum LVR 80%. Principal and Interest repayments..

View our Suncorp Bank home loan interest rates or generate a facts sheet for one of our loans.

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Hear from our customers

# COMPARISON RATE WARNING:
Each comparison rate is based on $150,000 over 25 years. These comparison rates apply 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 rates for Interest Only Fixed Rate home loans are based on an initial Interest Only period equal in length to the fixed rate period. Comparison rates for Interest Only Variable home loans are based on an initial 5 year Interest Only period.

* Discounted rate is only available for new Personal/Owner Occupied loans taken out as part of the Better Together Special Offer >= $150,000 and borrowings <= 70% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), with Principal and Interest repayments and who hold a Suncorp Bank transaction account. The discounted rate (currently 1.99% p.a.) is calculated by subtracting a discount of 2.41% from the Standard Back to Basics Variable Rate (currently 4.40% p.a.). Rates and discounts are subject to change and may be varied if the loan purpose or repayment type is changed or where the borrower fails to hold a Suncorp Bank transaction account. Pre-approvals excluded.The discounted rate is available on eligible loans applied for from 26 November 2021.

+ Discounted rate is only available for new Personal/Owner Occupied loans taken out as part of the Home Package Plus Special Offer >= $150,000 and borrowings <= 80% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 2.38% p.a.) is calculated by subtracting a discount of 2.60% from the Standard, Standard Variable Rate (currently 4.98% p.a.). The discounted rate is only applicable to the Standard Variable loan while the loan remains in a Home Package Plus. Rates and discounts are subject to change. Pre-approvals excluded.The discounted rate is available on eligible loans applied for from 26 November 2021.

^ Discounted rate is only available for new Personal/Owner Occupied loans taken out as part of the Home Package Plus Special Offer >= $150,000 and borrowings <= 80% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 1.99% p.a.) is calculated by subtracting a discount of 0.45% from the Standard 1 Year Fixed Rate (currently 2.44% p.a.). At expiry of the 1 Year Fixed Rate Term, the loan will revert to the applicable Standard Variable Rate advertised at the time (currently 4.98% p.a.) less the Home Package Plus discount (currently 2.60% p.a.). The discounted rate is only applicable to the 1 Year Fixed Rate loan while the loan remains in a Home Package Plus. Rates and discounts are subject to change. The Standard 1 Year Fixed Rate applicable on the day of settlement of the loan will be used to calculate the applicable discounted fixed rate unless the rate has been secured by paying a Guaranteed Rate Fee, which must be selected at time of loan application. Pre-approvals excluded. The discounted rate is available on eligible loans applied for from 26 November 2021.

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 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.

Comparison rate

A comparison rate is a rate that indicates the true cost of a loan. This rate incorporates certain fees and charges that are applicable for the chosen product.

Fixed rate

Lock in your interest rate and repayment amount

Variable rate

A rate that is variable and is subject to change over the loan term.