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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

Apply for home loan pre-approval

Talk to a home lending specialist

Or call us 13 11 55 Mon - Fri 8am - 7pm AEST

Explore our home loan options

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


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

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 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 

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

Look for a property with more 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

Book a visit
From one of our friendly lenders

Call us
Mon - Fri 8am - 7pm (AEST)

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With any queries you may have

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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.

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.