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Dream rates for your dream home

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.

Your own home loan specialist

With Suncorp Bank, you'll have one point of contact every step of the way.

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

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..

Standard Variable
Variable rate with 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..

Low deposit? Suncorp Bank offers special First Home Buyer rates for borrowers with deposits as low as 5%. Speak to a Suncorp home loan expert to find out more.

View all home loan interest rates or compare loan types

Limited Time Offer

Save up to $11,250!**

Suncorp Bank will reimburse the Home Package Plus annual fee for the life of the loan**

That's a saving of $11,250 over a 30 year loan.**

Available to eligible new home loan package ≥$150K

Cleaner energy.
A brighter future.

Cleaner energy.
A brighter future.

$3,000 Solar Home Bonus!

At Suncorp Bank, we want to reward your commitment to a brighter future.

Through to 29/04/2022, when you apply for a new home loan of $500K+ (LVR <= 90%) for a property fitted with a solar power system, you may be eligible to receive our $3,000 Solar Home Bonus.

View complete eligibility requirements, terms and conditions.^^

Get started online

Cartoon house with solar panels

Already a Suncorp Bank home loan customer? Learn about our $500 Solar Home Bonus.

How soon are you looking to buy?

100% obligation free advice

Our experienced home lending team are here to guide you through your buying journey and to answer all your questions; no matter how big or small – obligation free.

I've just started
researching

Our home loan specialists are here to guide you and answer any questions you may have.

Speak to a home loan specialist

100% obligation free advice

What is pre-approval?

Pre-approval (sometimes referred to as conditional approval) will give you a good idea of how much you may be able to borrow from the bank. If a lender pre-approves you for a loan, they will do so for a specific amount, so you can house hunt properties you know you can afford. It is obligation-free if you're successful, and you can apply more than once.

I've started to look for my
first home

Secure your pre-approval to know your limits & bid with confidence.

Apply for pre-approval

What is pre-approval?

What can I expect?

Once you have completed this online application, your dedicated lender will review your application and reach out within the next business day to confirm your details and progress you to the next stage.

I'm ready, I've found my
dream home

Save time and start your new loan application online. It only takes 10 minutes!

Apply for a new loan

What can I expect?

Less than 10 minutes to apply!

Number 1

Apply Online

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.

Number 2

Pre-approval

You can get pre-approval within 1 business day, providing everything in your online application checks out and there is nothing further to review. Alternatively, your lender may contact you for more information so we can progress you to the next stage. It is obligation-free and you can apply online more than once.

Number 3

Valuation and Verification

We will ensure everything is correct and do a valuation if required (which can vary depending on individual circumstances). Conditional approval can be issued while the valuation is in process.

Number 4

Final Approval

Providing steps 1 to 3 are successful, you can get final approval in about 1 week! You will hear from your lender and they will guide you through to Settlement.

Normal waiting periods may be impacted due to COVID19, however, we will always aim to get back to you as soon as possible.

It can be hard to know where to start.

Get practical tips and insights about each stage of the home buying process.

Explore our Home Buying Guide

Checklist process with ist point description

Get some quick answers

100% obligation free advice

We understand that the journey to home ownership can be daunting. Our experienced home lending team are happy to answer all your questions, 7 days a week. They'll call you within 24 hours to discuss your home lending needs.

Speak to a home loan expert

Or call 13 11 55 Mon-Fri 8am-7pm and Sat-Sun 9am-5pm (AEST)

# 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.

^^ Solar Home Bonus Eligibility, Terms and Conditions

The $3,000 Solar Home Bonus Offer is only available when you apply by 29 April 2022, are approved and settle by 29 July 2022 on an eligible home loan with Suncorp Bank meeting the following criteria (1) Forms part of new lending of at least $500,000; (2) Loan to Value Ratio, including Lenders Mortgage Insurance where applicable, is less than or equal to 90%; (3) a Suncorp Bank transaction account is held in the name of all Borrower/s; (4) the security property is either a detached house or townhouse; and (5) has an eligible solar power system installed at the security property and acceptable evidence is provided to Suncorp Bank upon request.

Exclusions: 1. Loans for apartments, units and commercial properties. 2. Non personal borrowers. 3. Pre-approvals, or refinances of existing Suncorp Bank home loans.

A limit of 1 payment will be made to a Borrower per application. This offer cannot be used in conjunction with any other Suncorp Bank cash offer.

If you are eligible, a payment of $3,000 will be credited to a Suncorp Bank transaction account in the name of the Borrower/s, within 60 days of the settlement date of your eligible loan.

An eligible solar power system is one which has a Certificate of Testing and Compliance from a Clean Energy Council Accredited Installer or by a current Solar Metering Service Charge and Feed-in Tariff from an authorised retail electricity provider. Satisfactory evidence will need to be provided at the time of application. We reserve our right to accept applications for solar power systems where other satisfactory evidence, to be determined at the Bank’s sole discretion, is received.

Suncorp Bank reserves the right to vary offers at any time.

** $375 annual package fee will be charged and refunded while the package is active. Savings based on 30-year loan term. Offer subject to change at any time.

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.

Variable Rate

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

Fixed Rate

Lock in your interest rate and repayment amount

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.

What is pre-approval?

Pre-approval (sometimes referred to as conditional approval) will give you a good idea of how much you may be able to borrow from the bank. If a lender pre-approves you for a loan, they will do so for a specific amount, so you can house hunt properties you know you can afford. It is obligation-free if you're successful, and you can apply more than once.

What can I expect?

Once you have completed this online application, your dedicated lender will review your application and reach out within the next business day to confirm your details and progress you to the next stage.

Apply Online

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.

100% obligation free advice

Our experienced home lending team are here to guide you through your buying journey and to answer all your questions; no matter how big or small – obligation free.

Pre-approval

You can get pre-approval within 1 business day, providing everything in your online application checks out and there is nothing further to review. Alternatively, your lender may contact you for more information so we can progress you to the next stage. It is obligation-free and you can apply online more than once.

Valuation and Verification

We will ensure everything is correct and do a valuation if required (which can vary depending on individual circumstances). Conditional approval can be issued while the valuation is in process.

Final Approval

Providing steps 1 to 3 are successful, you can get final approval in about 1 week! You will hear from your lender and they will guide you through to Settlement.

Live chat

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