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Home loans
Our lowest home loan variable rate
Variable Rate
*
Discounted Back to Basics Variable Rate with Better Together Special Offer. Owner Occupied. New to bank lending ≥ $150,000. Maximum LVR 60%. Principal and Interest repayments.
Home loans
Our lowest home loan variable rate
Variable Rate
*
Discounted Back to Basics Variable Rate with Better Together Special Offer. Owner Occupied. New to bank lending ≥ $150,000. Maximum LVR 60%. Principal and Interest repayments.
Customers rate our Digital Home Loan experience
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. We’ll reply within two hours or by the next business day.
Save time, get started online
Are you buying a home or looking to refinance?
You can apply online in as little as 20 minutes.
100% obligation free advice
Our experienced home lending team are happy to answer all your lending questions. They’ll call you within two hours (or next business day) to discuss your home lending needs.
If you’d like to speak to someone straightaway, please call 13 11 55 Mon-Fri 8am-7pm and Sat-Sun 9am-2pm (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. We’ll reply within two hours or by the next business day.
Great home loan rates mean more for you
Back to BasicsOur lowest variable rate
Variable Rate
*
Discounted Back to Basics Variable Rate with Better Together Special Offer. Owner Occupied. New to Bank Lending ≥ $150,000. Maximum LVR 60%. Principal and Interest Repayment.
What is home loan cashback/redraw?
A home loan redraw facility allows you to request access to any extra repayments you’ve made into your home loan above and beyond the minimum required repayments.
What is an offset account?
An offset account is an everyday account that is linked to your home loan. You can deposit your salary and savings into that account (and sub-savings accounts) and the balance is then offset against the amount owing on your home loan.
Benefits
- $0 monthly account keeping fee and no establishment or ongoing annual fee.
- Unlimited additional repayments.
- Redraw additional payments as cashback.
- Additional benefits with Better Together special offer.
Other things to consider
- No mortgage offset.
Standard VariableA variable rate with optional offset
Variable Rate
+
Discounted Standard Variable Rate in Home Package Plus. Owner Occupied. New to Bank Lending ≥ $150,000. Maximum LVR 60%. Principal and Interest Repayments.
What is an offset account?
An offset account is an everyday account that is linked to your home loan. You can deposit your salary and savings into that account (and sub-savings accounts) and the balance is then offset against the amount owing on your home loan.
What is home loan cashback/redraw?
A home loan redraw facility allows you to request access to any extra repayments you’ve made into your home loan above and beyond the minimum required repayments.
Benefits
- Optional mortgage offset.
- Unlimited additional repayments.
- Redraw additional payments as cashback.
- Additional benefits, including no loan establishment fee, with Home Package Plus.
Fixed RateRepayment certainty over a fixed term
Fixed Rate
^
Discounted 3 Year Fixed Rate in Home Package Plus. Owner Occupied. New to Bank Lending ≥ $150,000. Maximum LVR 80%. Principal and Interest Repayments.
What is an offset account?
An offset account is an everyday account that is linked to your home loan. You can deposit your salary and savings into that account (and sub-savings accounts) and the balance is then offset against the amount owing on your home loan.
What is home loan cashback/redraw?
A home loan redraw facility allows you to request access to any extra repayments you’ve made into your home loan above and beyond the minimum required repayments.
What are Fixed Rate home loan early payment fees?
Additional repayments of up to $500 in excess of your minimum monthly repayment are permitted. After that, an Early Payment Interest Adjustment (EPIA) fee may apply. For more information, view our EPIA Brochure (PDF).
Benefits
- Choose 1, 2, 3 or 5 year fixed terms (3 year rate shown above).
- Additional benefits, including no loan establishment fee, with Home Package Plus.
Other things to consider
- No offset or redraw capability during the fixed period rate.
- Make extra repayments during the fixed rate period of up to $500 per month with no early repayment fee.
View our Suncorp Bank home loan interest rates, generate a home loan fact sheet or compare our home loan types.
LIMITED TIME OFFER
Save up to $11,250!##
Pay no annual fee for the life of the loan if you take out a new Home Package
Plus home loan of $150k+.
That’s a saving of $11,250 over a 30 year loan.##
Available to eligible new home loan packages more than $150k.
LIMITED TIME OFFER
Save up to $11,250!##
Pay no annual fee for the life of the loan if you take out a new Home Package
Plus home loan of $150k+.
That’s a saving of $11,250 over a 30 year loan.##
Available to eligible new home loan packages more than $150k.
Banking you can feel good about.
We’re committing to providing banking services that are good for your world, our world and the world.
# COMPARISON RATE:
A comparison rate is a rate that indicates the true cost of a loan. This comparison rate is based on $150,000 over a term of 25 years and incorporates certain fees and charges that are applicable for the chosen product.
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 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 <= 60% 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 6.13% p.a.) is calculated by subtracting a discount of 2.52% from the Standard Back to Basics Variable Rate (currently 8.65% 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 17 November 2023.
+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 <= 60% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 6.19% p.a.) is calculated by subtracting a discount of 3.04% from the Standard Variable Rate (currently 9.23% 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 17 November 2023.
^Discounted rate is only available for Personal/Owner Occupied loans taken out as part of the Home Package Plus >= $150,000 and borrowings <= 80% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), Principal and Interest repayments. The discounted rate (currently 6.49% p.a.) is calculated by subtracting a discount of 0.45% p.a. from the Standard 3 Year Fixed Rate (currently 6.94% p.a.). At the expiry of the 3 Year Fixed Rate Term, the loan will revert to the applicable Standard Variable Rate advertised at the time (currently 9.23% p.a.) less the Home Package Plus discount (currently 2.98% p.a.). The discounted rate is only applicable to the 3 Year Fixed Rate loan while the loan remains in a Home Package Plus. Rates and discounts are subject to change. The Standard 3 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 17 November 2023.
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.
##Home Package Plus Annual Fee
$375 annual package fee will be charged and reimbursed while package is active. Savings based on 30-year loan term. Offer subject to change.
What is a 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. For more information about the comparison rate and the comparison rate warning, please refer to the things you should know section of this page.
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.
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.
What is home loan cashback/redraw?
A home loan redraw facility allows you to request access to any extra repayments you’ve made into your home loan above and beyond the minimum required repayments.
What is an offset account?
An offset account is an everyday account that is linked to your home loan. You can deposit your salary and savings into that account (and sub-savings accounts) and the balance is then offset against the amount owing on your home loan.
What are Fixed Rate home loan early payment fees?
Additional repayments of up to $500 in excess of your minimum monthly repayment are permitted. After that, an Early Payment Interest Adjustment (EPIA) fee may apply. For more information, view our EPIA Brochure (PDF).
