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Home Loans

We know getting a home loan is a big deal – that’s why we offer information and a range of mortgage calculators to help you understand what's involved

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Explore our home loan options


Unfortunately this product is not available for your requirements. Try changing your deposit range.

Redraw

Access extra payments you've made on your home loan using our loan Cashback feature. You will need to apply for this.

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For helping Suncorp Bank earn the title 2018 Money magazine Bank of the Year and Business Bank of the Year.

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Included Home Loan Calculators

Get an idea of the amount you might be able to borrow, what your repayments could be & the costs. See all home loan calculators & tools.

Estimate your mortgage repayments

How much could you borrow?

How much is stamp duty?

Your own dedicated home loan specialist

  • One point of contact throughout your home loan journey, keeping you up to date every step of the way.
  • Available 7 days a week they will meet at a time & place that suits you.
  • In some cases, our Mobile Lenders may even approve your new home loan on the spot.

"My husband & I were looking to buy an investment property & we were so fortunate to have Nelvin help us through every step of the way. He went above and beyond & was always there & willing to answer my endless list of questions and concerns."
- Chris & Jess Falla

Book an appointment   More about Mobile Lenders

We help to make the process simple every step of the way

We can help you save for your deposit

With our high interest savings accounts

We can help you bid with confidence

Know what you can afford with a pre-approval

We can help you get the best rate & loan

Our lenders will assess your needs & help structure your loan

We can help protect your home

Get up to 20% off your first year’s premium on new to Suncorp Home & Contents Insurance, when taking our Home Package Plus or Better Together Special Offer

We can make managing your loan easy

Manage your repayments through our simple mobile app & internet banking

Help & Support

Frequently asked questions

How much deposit do I need for a home loan?

For owner-occupiers a deposit of at least 5% of the total loan amount is often sufficient1. For example, a $500,000 loan requires at least a $25,000 deposit. A deposit of over 20% of the total loan amount lets you avoid Lenders Mortgage Insurance (LMI), which protects lenders against unpaid mortgages.

A larger deposit lets you borrow less and enjoy lower repayments.

More about saving for a deposit

Ready to take the next step?

Our home lending specialists are available to answer your questions

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Insights and stories

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We understand buying a home can feel overwhelming. That's why we've created a helpful guide to give you tips and ideas through each stage of the process, from when you first make the decision to buy a home to when you get the keys.

1. Depending on your circumstances, a larger deposit may be required.

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.

Lenders Mortgage Insurance (LMI)

If you are borrowing more than 80% of the value of the property, you will be required to pay Lenders Mortgage Insurance. This is a one-off payment and can be financed into the loan.

Lenders Mortgage Insurance protects Suncorp Bank against loss in the event of a forced sale of a mortgage property. It does not insure you but may make it possible for you to buy a home with a smaller deposit. You will still be responsible for all amounts owing in relation to your loan.