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Home Loan Interest Rates

Our Special Offers, Package and Standard rates explained

Special Offer: For customers with eligible new home lending over $150,000

First Home Buyer Special Offer: For Owner Occupier first home buyers who have never previously purchased a property with eligible new Home Lending of over $150,000

Home Package Plus: For customer with eligible home lending over $150,000, which can be a combination of existing and new lending

Standard Interest Rate: For customers without a package and minimum lending requirement is only $10,000

 

Interest rates quoted below are inclusive of a discount margin which is deducted from the Standard Interest Rate`

Frequently asked questions

Depending on the purpose and size of your loan, Suncorp may provide finance of up to 95% of your property value. This amount includes Lenders Mortgage Insurance (LMI) if applicable, possible bank fees and some government fees.

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Home Package Plus discount are applied for as long as the home remains part of the Home Package Plus. Interest rates and discounts are subject to change without notice. Discounts margins may be withdrawn at any time before a contract is entered into. Discounts are applied to the applicable Standard Interest Rate at the day Settlement. Loan to Value Ratio (“LVR”) limits are inclusive of Lenders Mortgage Insurance (LMI) where applicable.

Loan to Value Ratio (“LVR”) limits are inclusive of Lenders Mortgage Insurance (LMI) where applicable. A repayment type of interest only is available on loans with an LVR limit <90%. At the expiry of the interest only period, the rate will convert to the applicable P&I interest rate plus or minus any applicable margins specified in your credit contract.

^ The standard Fixed Rate offered on the day of settlement of the loan will apply unless the rate is secured by paying a Guaranteed Rate Fee. At expiry of the fixed rate period, the rate will revert to the applicable Standard Variable Interest Rate less any applicable margin discount specified in your credit contract. The Interest Only period on a Fixed Rate must equal the Fixed Rate term.

` For a full list of rates with discount margins displayed, please view our Home Lending Interest Rate Guide.

# Each comparison rate is based on $150,000 over 25 years. WARNING: 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. Comparison rates for Interest Only Variable home loans are based on an initial 5 year Interest Only period.

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 for Suncorp Bank and the Terms and Conditions before making a decision regarding Suncorp Bank product. Fees, charges, terms and conditions apply and are available on request or at Product Information Documents and Forms page.