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Home Loan Interest Rates

Home Loan Special Offer Interest Rates

Below are our discounted interest rates for eligible customers who

  • Package their new Standard Variable or Fixed Rate home loan (new borrowing’s over $150,000) with our Everyday Options transaction bank account as part of our Home Package Plus
  • Combine a Back to Basics home loan (new borrowing’s over $150,000) with our Everyday Options transaction bank account.

Note: Special Offer Interest rates quoted below are inclusive of a discount margin which is deducted from the Standard Interest Rate.

Home Package Plus - Principal & Interest
Home Package Plus - Interest Only
Home Package Plus - First Home Buyer

Home Loan Interest Rates

Refer to the Home Lending Interest Rate Guide for other available interest rates, which includes when borrowing less than the new borrowing of $150,000 as mentioned above.

The Home Lending Interest Rate Guide also contains all standard interest rates used for the calculation of our Special Offer Interest Rates.

Receive up to $3,000 Cash Bonus1

when you refinance to an eligible Suncorp Bank home loan

For refinancers who apply by 18 December 2020 and settle by 26 March 2021.
$2,000 for $250,000 – $749,999, or $3,000 if exceeds $750,000, LVR < = 90%

Refer to Things You Should Know for more detail.

Get started online  Book appointment

Frequently asked questions

What makes us a great choice?

Canstar outstanding value for fixed home lender & home lender

Award winning!

We’ve been awarded for Outstanding Value by CANSTAR for owner-occupiers across our Variable and Fixed Rate home loans, and Money Magazine Bank of the Year 2018, 2019 & 2020.

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.


With Suncorp Benefits, eligible customers can access savings of up to 15% from major retailers, so you can save when you shop.^^

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.

For all queries about existing Suncorp Home Loans call 13 11 55 Mon-Fri 8am-6pm (AEST)

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.

Loan to Value Ratio (“LVR”) limits are inclusive of Lenders Mortgage Insurance (LMI) where applicable.

^ 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. Current standard fixed rates and discounts are subject to change without notice.

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.

1 In addition to the conditions listed above, the Refinance Cash Bonus 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) Pre-approvals must be fully approved before 18 December 2020 (2) cannot be a refinance of an existing Suncorp Bank home loan; (3) where total refinance amount to Suncorp Bank is (i) between of $250,000 – $749,999.99, a payment of $2,000 will be made to the borrower; or (ii) where the total refinance amount exceeds $750,000, a payment of $3,000 will be made to the borrower. Limit of one payment per borrower regardless of the number applications which may be eligible. If there is more than one individual borrower, only one payment will be made to them jointly. The customer must hold a Suncorp transaction account held in the name of all borrowers to be eligible for the offer, if one is not held, one will be opened with payment credited within 60 days of the settlement date.

Suncorp Bank reserves the right to vary or withdraw the Refinance Cash Bonus Offer or the Frontline Extra Cash Bonus 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 bonus offers made by Suncorp Bank.

^^ Correct as at May 23, 2019. The Reward and Recognition program ("Suncorp Benefits") is being operated by Loyalty Corp Australia Services Pty Ltd ABN 39 615 958 873. To be eligible for Suncorp Benefits you must hold a current eligible personal policy or service with Suncorp or an eligible personal product or service from one of the brands in the Suncorp Network. Full Terms and Conditions are available here. Eligibility criteria and limits apply

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.

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