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Home loan offers & special rates

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Our latest home loan offers

No annual fee for the life of the loan

Save up to $11,250.^ 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 with

Home Package Plus


See full terms & conditions

Refinance cash back payment

Receive $3,000 cash.§ Refinance to a Suncorp Bank home loan of $750K or more with LVR ≤ 90%.

Apply by 29 April 2022, settle by 29 July 2022. Unless withdrawn prior.

Available with

Back to Basics Home Loan

Variable Rate Home Loan

Fixed Rate Home Loan

More on switching to Suncorp


See full terms & conditions

New loans – Solar Home Bonus

$3,000 bonus. At Suncorp Bank, we want to reward your clean energy commitment.

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.

Available with

Back to Basics Home Loan

Variable Rate Home Loan

Fixed Rate Home Loan


See full terms & conditions

Existing loans – Solar Home Bonus

$500 bonus. At Suncorp Bank, we want to reward your clean energy commitment.

If you have an existing home loan with Suncorp Bank and that home has a solar power system, or if you have solar installed by 31st December 2021 on that home, you may be eligible to receive $500.^^

Available with

Back to Basics Home Loan

Variable Rate Home Loan

Fixed Rate Home Loan

Find out more and apply online


See full terms & conditions

Make your next move with confidence

Save time, get started online

You can apply online in around 10 minutes.

Get started online

100% obligation free advice

Our experienced home lending team are happy to answer all your questions.

Talk to a home loan expert

If you’d like to speak to someone straightaway, please call 13 11 55 Mon-Fri 8am-7pm and Sat-Sun 9am-5pm (AEST)

Featured interest rates

Our lowest ever advertised variable rate

Get a great low rate with low fees and the flexibility to make extra repayments whenever you choose.

More on our Back to Basics 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.

Competitions

Your chance to win $50K

For one of two chances to win $50K for your reno, take out an eligible Suncorp Bank home loan** of $150K or more and settle by 12/1/22.

Already have an eligible home loan with us? You’re in with a chance.††

See full terms and conditions.

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?

Request a call back

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

Speak to us today

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.

^ No annual fee for the life of the loan

 $375 annual package fee will be charged and refunded while the package is active. $11,250 savings based on 30-year loan term. Offer subject to change at any time.

§ Refinance cash back payment

In addition to the conditions listed above, the $3,000 Refinance Offer is only available when you are approved for and settle an Eligible Home Loan with Suncorp Bank which must also meet the following criteria: (1) the Loan forms part of new refinanced lending of at least $750,000; (2) the Loan to Value Ratio, including Lenders Mortgage Insurance where applicable, is less than or equal to 90%; and (3) a Suncorp Bank transaction account is held in the name of the Borrower or all Borrowers, if there is more than one individual Borrower. Pre-approvals, or refinances of an existing Suncorp Bank home loan are not eligible. The $3,000 Refinance Offer cannot be used in conjunction with any other cash offer. If you are eligible, a cash back payment of $3,000 will be made to the Borrower. 

A limit of 1 payment will be made to a Borrower. If there is more than 1 Borrower only 1 payment will be made to those Borrowers jointly. Each borrower, whether individually or jointly, can only ever receive the $3,000 Refinance Offer once. If any of the Borrowers have received a payment whether individually or jointly under the $3,000 Refinance Offer previously then no further payments will be made. If this Loan is eligible that payment will be credited to a Suncorp Bank transaction account, in the name of the Borrower or all Borrowers, if there is more than one individual Borrower, within 60 days of the settlement date of this Loan. 

Suncorp Bank reserves the right to vary or withdraw the $3,000 Refinance Offer at any time. Applications subject to credit approval. Fees, and charges may be applicable. Full terms and conditions will be included in our loan offer. Depending on your financial circumstances, you should obtain independent advice before making any decisions regarding any cash offers made by Suncorp Bank.

† New loans – Solar Home Bonus

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.

^^ Existing loans – Solar Home Bonus

You may be eligible to receive Suncorp Bank's offer of $500 cash bonus payment ("$500 Solar Home Bonus") if you have an existing Home Loan with us that meets the following conditions:

(1) the Loan forms part of existing Suncorp Bank lending with an outstanding balance of at least $50,000;

(2) a Suncorp Bank transaction account is held in the name of the Borrower/s, and

(3) the security property is either a detached house or townhouse and has an eligible solar power system installed and acceptable evidence has been provided to Suncorp Bank.

Apartments, units and commercial properties are excluded. Non-personal borrowers are not eligible for this Offer.

Your eligibility for the $500 Solar Home Bonus will be determined by Suncorp Bank. If you are eligible, a payment of $500 will be made to the Borrower/s. A limit of 1 payment will be made to the Borrower/s per eligible security. Where the same Borrower/s have received a Solar Home Bonus payment previously with respect to the security property, then no further payments will be made. 

Suncorp Bank will notify you of its determination and any applicable payment will be credited to a Suncorp Bank transaction account in the name of the Borrower/s within 60 days of determination of your eligibility.

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.

# 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.

** An Eligible Suncorp Bank Home Loan is an Suncorp Bank Back to Basics Loan, Suncorp Bank Standard Variable Loan, Suncorp Bank Variable Loan, Suncorp Bank (1, 2, 3 or 5 Year) Fixed Rate Loan, Suncorp Bank Access Equity Loan, Suncorp Bank Asset Line, Suncorp Bank Professional Asset Line, Suncorp Bank Annual Interest in Advance Loan, Suncorp Bank Affinity Loan, Suncorp Bank Professional Ready Access Loan or Suncorp Bank Ready Access Loan with a minimum amount of $150,000 as at 11:59pm on 12 January 2022 which is secured by a mortgage or other security granted in favour of the Promoter over a residential investment or owner occupied property and which the loan is in the name of at least one individual borrower, excluding the following: a Suncorp Bank loan product for which at least one of the borrowers is a company, partnership, trustee (including an individual acting in a trustee capacity), body corporate or other non-individual entity.

†† Promoter of “Win $50,000 Cash for a Reno” Promotion: Suncorp-Metway Limited ABN 66 010 831 722 of L 28, Brisbane Square 266 George Street, Brisbane, Queensland 4000 (Suncorp Bank). Entry open to eligible borrowers (new or existing) who hold, as recorded in the Promoter’s records, an Eligible Suncorp Bank home loan ≥$150,000 as at 11.59pm on 12/1/22. Refer to the full terms and conditions for entry, eligible Suncorp Bank home loans, and eligibility conditions. Must be opted-in to Suncorp marketing communications by 12/1/22 to be entered. Call 13 11 55 to update Suncorp marketing preferences. Promotion starts 24/8/21 and ends 11:59pm AEDT on 12/1/22. Prizes: 2 x $50,000. Prize draw at 2:30pm at Plexus, 4/411 Collins Street, Melbourne VIC 3000 on 14/1/22. Winners published in The Australian on 25/1/22. Limit one (1) prize per person (excluding SA). Permits: ACT TP 21/01429, & SA T21/1305, & NSW Authority Number TP/01271. Home Loans provided by Suncorp-Metway Ltd, Australian Credit Licence 229882 trading as Suncorp Bank (“Suncorp Bank”) to approved applicants only. Fees, terms and conditions apply and are available upon request.

Suncorp Bank reserves the right to vary offers 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.

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