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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

Cash Back Boost payment

Receive $3,000 cash.§ Take out a new 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 Unless withdrawn prior.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

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.

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)

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.

§ $3,000 Cash Back Boost Payment

In addition to the conditions listed above, the $3,000 Cash Back Boost Payment is only available when you are approved for and settle an Eligible Home Loan with Suncorp Bank which must meet the following criteria: (1) the Loan forms part of new 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, increases to existing loans or refinances of an existing Suncorp Bank home loan are not eligible. The $3,000 Cash Back Boost Payment 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, whether individually or jointly, under the $3,000 Cash Back Boost Payment in respect of all loans held with us. If there is more than 1 Borrower only 1 payment will be made to those Borrowers jointly. 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 Cash Back Boost Payment 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.

# 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.

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.

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