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Choosing the right home loan

While it’s easy to comparison shop by looking at interest rates alone, you want to consider home loan features, fees, payment flexibility and any home loan package options.

Start your journey to buying a home

Get to know your home loan options

There are a lot of home loan options out there and all of them raise important questions.

  • Should you go with a fixed rate or variable rate? 
  • What's the advantage of a Home Loan Package?
  • Maybe you could split your loan between the two?
  • Could you take advantage of mortgage offset capability?
  • What happens if you want to increase your monthly repayments?

A Suncorp Bank Home Loan specialist can help you choose what’s right for you because it’s our job to get you the right home loan at a great rate.

I am looking to…

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.

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.

Your own home loan specialist

  • One point of contact for information and guidance throughout your home loan journey.
  • Available seven days a week, our mobile lenders can meet at a time and place that suits you.

" My husband and I were looking to buy an investment property and we were so fortunate to have Nelvin help us every step of the way. He went above and beyond and was always there, willing to answer my endless list of questions and concerns. "

- Chris & Jess Falla

Get some quick answers

What makes us a great choice?

Award winning!

Money magazine Bank of the Year 2018, 2019, 2020 & 2021.

Security is top priority

We’re committed to protecting your personal information and providing you a safe banking environment.

Personalised service

One point of contact throughout your home loan journey, keeping you up to date every step of the way.

Make your next move with confidence

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.

Save time, get started online

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

What can I expect?

100% obligation free advice

Our experienced home lending team are happy to answer all your questions.
They'll call you within 24 hours 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-5pm (AEST)

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 Lending Fees and Charges and the 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.

The information is intended to be of general nature only. We do not accept any legal responsibility for any loss incurred as a result of reliance upon it – please make your own enquiries.


Option to lock in rate on application

As Fixed Rates are determined at settlement of your loan, our Guaranteed Rate Fee removes this uncertainty by fixing the rate at application for up to 90 days to protect you from unforeseen increases before loan settlement.