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Home Loans

Make the right choice with our easy-to-understand home loan options. 

We know buying a house is a big deal

That’s why we offer a range of tools and information to support your property journey. If you’re looking for a home loan, our mortgage calculators can help you estimate your borrowing capacity, repayments and more—whether you’re buying a home for you and your family or purchasing an investment property.

Our home buying guide

Investing in property

Moving my home loan to Suncorp

Managing my home loan and property

Selling

Choose your home loan

Back to Basics Loan

Owner-Occupier

A low variable rate home loan with no ongoing account keeping fees. Make additional repayments without penalty and redraw these funds when needed.

Save with our Better Together Special

Combine your Back to Basics home loan with an Everyday Basics account and enjoy a discounted interest rate and other savings!
 

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Discounted Back to Basics Variable Rate with Better Together Special
New to bank lending >= $150,000
Maximum LVR 90%
Principal and Interest repayments

Standard Variable Loan

Owner-Occupier

A variable rate home loan offering optional 100% mortgage offset capability. Make additional repayments without penalty and redraw these funds when needed.

Save with our Home Package Plus

A package that combines your eligible home loan, an Everyday Options account and other Suncorp products for a low annual fee. Enjoy discounted interest rates and other savings!

+

Discounted Standard Variable Rate in Home Package Plus
New to bank lending >= $150,000
Maximum LVR 90%
Principal and Interest repayments

Fixed Rate Loan

Owner-Occupier

A home loan that offers the certainty of fixed repayments and a fixed interest rate for a period of 1, 2, 3 or 5 year terms.

Save with our Home Package Plus

A package that combines your eligible home loan, an Everyday Options account and other Suncorp products for a low annual fee. Enjoy discounted interest rates and other savings!

Discounted 1 Year Fixed Rate in 
Home Package Plus
New-to-bank lending >= $150,000
Maximum LVR 90%
Principal and Interest repayments

Access Equity Loan

Owner-Occupier

A low variable rate revolving line of credit to access as you need it. Draw down, repay and draw back up to your approved credit limit.

Save with our Home Package Plus

A package that combines your eligible home loan, an Everyday Options account and other Suncorp products for a low annual fee. Enjoy discounted interest rates and other savings!

Discounted Access Equity Variable Rate in Home Package Plus
New to bank lending >= $150,000
Maximum LVR 90%

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

Compare all our home loans

Latest home loan interest rates

Home loan calculators

Borrowing Capacity Calculator
Enter your income and expenses to get an estimate of how much you might be able to borrow.

Repayment Calculator
Enter the loan period, amount and interest rate to get an idea of your mortgage repayments.

See more Home Loan Calculators
Get an idea of the amount you could borrow, what your repayments may be, and how you can save.

The Home Package Plus (HPP) Discounts are applied for as long as the home loan remains part of the Home Package Plus. Interest rates and discounts are subject to change without notice. Discount 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. 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.

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 Personal Deposit Accounts and the Terms and Conditions for Suncorp Accounts before making a decision regarding a Suncorp Bank transaction account. Fees, charges, terms and conditions apply and are available on request or at suncorp.com.au/banking/help-support/documents-forms.