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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

Looking to refinance? Switch your eligible owner occupied home loan to Suncorp Bank and receive $1,500!*

Explore our home loan options

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

Fixed Rate

Lock in your interest rate and repayment amount.

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. For more information about the comparison rate and the comparison rate warning, please refer to the things you should know section of this page

Variable Rate

A rate that is variable and is subject to change over the loan term. 


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

Receive $1,500 when you refinance your eligible home loan with Suncorp Bank*

Ready to refinance your home loan? By switching to Suncorp Bank, you could save thousands.^

  • Refinance your eligible owner occupied home loan with Suncorp Bank, and you'll receive $1,500 cash*
  • Access our competitive home loan rates

Book an appointment   See how much you could save

Apply by 30 June 2019, settle by 29 September 2019. $250,000 minimum refinance. Available only for owner occupied home loans in the “Home Package Plus” or “Back to Basics with Better Together Special”. Further T&C’s and eligibility criteria apply.

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.

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 Principal &Interest Rate plus or minus any applicable margins specified in your credit contract.

All interest rates and discounts are subject to change without notice. Discount margins may be withdrawn at any time before a contract is entered into.

# COMPARISON RATE WARNING: 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.

* The Refinance Offer is applicable when you apply and settle an Eligible Home Loan with Suncorp Bank. An Eligible Home Loan is an owner occupied home loan that is: (1) applied for between 8 October 2018 – 30 June 2019 and settled by 29 September 2019; (2) refinanced from another financial institution; (3) $250,000 minimum loan refinance with a Loan to Value Ratio of 80% or less; (4) a Standard Variable or 2,3 or 5 Year Fixed Rate loan in the Home Package Plus (Line of Credit / Access Equity Special Offer is excluded), or Back to Basics Better Together Special; (5) not established in the name of a company, business or trust. Refinancing of an existing Suncorp Bank home loan or pre-approvals are ineligible for the Refinance Offer. A limit of one (1) payment of $1,500 will be made to a borrower and if there is more than 1 borrower one (1) payment will be made to them jointly. Each borrower, whether individually or jointly, can only ever receive a payment of $1,500 once. If any of the borrowers have received a payment whether individually or jointly under the Refinance Offer previously then no further payments will be made. The $1,500 cash payment will be credited to the linked Everyday Options account which forms part of the Home Package Plus; or to the transaction account linked to the Back to Basics Better Together Special only, within 30 days of the settlement date. Suncorp Bank reserves the right to terminate the 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 this Refinance Offer.

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 and the 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

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.