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Authentic reviews
Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars  (5.0 out of 5)

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 team are happy to answer all
your questions! We’ll call you within 24 hrs (or next business day) to discuss your home lending needs.

Learn more about our Home Loans COVID-19 Support

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

Great rates means more for you

Back to Basics
Our lowest variable rate
Our low rate & low fee home loan

Owner Occupied

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
Variable rate with offset
Most popular

Owner Occupied

Discounted Standard Variable Rate in Home Package Plus
Applicants must be first home buyers
New to bank lending >=$150,000
Maximum LVR 95% (inc. LMI)
Principal and Interest repayments

Fixed Rate
Fixed rate & term
Set your rate for 1, 2, 3 or 5 years

Owner Occupied

Discounted 2 Year Fixed Rate in Home Package Plus
Applicants must be first home buyers
New to bank lending >= $150,000
Maximum LVR 95% (inc. LMI)
Principal and Interest Repayments

View our Suncorp Bank home loan interest rates or generate a facts sheet for one of our loans.

Canstar outstanding value for fixed home lender & home lender

Awarded for outstanding value

Our home loans have been awarded for Outstanding Value by Canstar to owner-occupiers across the variable and fixed-rate loan terms considered in these ratings. Canstar Research found owner-occupiers with a 5-Star Rated home loan tended to have access to lower interest rates compared to the market average.

Suncorp Bank Home Loans is rated 4.3 out of 5 by 24.
Rated 5 out of 5 by from Easy to navigate Am applying for construction loan. Online suits me better.
Date published: 2020-06-03
Rated 5 out of 5 by from GREAT BANK NO PROBLEMS GREAT BANK HELPED ME OUT WHEN I WAS FIRST IN AUSTRALIA AND WOULD RECOMMEND TO ANYONE.
Date published: 2020-05-30
Rated 5 out of 5 by from Excellent features and easy to fill Website is easy to use with clear text and options
Date published: 2020-05-21
Rated 5 out of 5 by from easy step by step format very easy to use in layout and selection process ..
Date published: 2020-05-21
Rated 5 out of 5 by from This is a good online application form The application form was easy to use, although there are a few fields missing: The "other" loans need to allow for split ownership. I share two investment loans with my husband, however, I was unable to mention that. Instead, I mentioned it in the Institution field with the percentage. I know that "notes" or "free-text" fields are opening for people to write verbiage, however, a limited length "notes" field might be warranted for explanations.
Date published: 2020-04-15
Rated 5 out of 5 by from Refinance Application The online application process seemed easy enough, now awaiting results :)
Date published: 2020-04-06
Rated 5 out of 5 by from Easy to use We are a very long time Suncorp customers do love the bank
Date published: 2020-03-30
Rated 5 out of 5 by from Super easy and straight forward Super easy online loan application taking through to financial check and await response.. great system and painless to use
Date published: 2020-03-28
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Discounted Back to Basics variable rate with Better Together special
*Discounted rate is only available for new Personal/Owner Occupied loans taken out as part of the Better Together Special Offer >= $150,000 and borrowings <= 90% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), with Principal and Interest repayments and who hold a Suncorp Bank transaction account. The discounted rate (currently 2.78% p.a.) is calculated by subtracting a discount of 1.62% from the Standard Back to Basics Variable Rate (currently 4.40% p.a.). The discounted rate is available on eligible loans applied for from 20 March 2020. Rates and discounts are subject to change and may be varied if the loan purpose or repayment type is changed or where the borrower fails to hold a Suncorp Bank transaction account. Pre-approvals excluded.

Discounted Standard Variable Rate with Home Package Plus
+Discounted rate is only available for new Personal/Owner Occupied loans taken out as part of the Home Package Plus Special Offer >= $150,000 and borrowings <= 90% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 3.04% p.a.) is calculated by subtracting a discount of 1.94% from the Standard Variable Rate (currently 4.98% p.a.). The discounted rate is only applicable to the Standard Variable loan while the loan remains in a Home Package Plus. The discounted rate is available on eligible loans applied for from 3 April 2020. Rates and discounts are subject to change. Pre-approvals excluded.

Discounted 2 Year Fixed Rate in Home Package Plus
‡Discounted rate is only available for new Personal/Owner Occupied loans taken out as part of the Home Package Plus Special Offer >= $150,000 and borrowings <= 90% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 2.29% p.a.) is calculated by subtracting a discount of 0.45% from the Standard 2 Year Fixed Rate (currently 2.74% p.a.). At expiry of the 2 Year Fixed Rate Term, the loan will revert to the applicable Standard Variable Rate advertised at the time (currently 4.98% p.a.) less the Home Package Plus discount (currently 1.94% p.a.). The discounted rate is only applicable to the 2 Year Fixed Rate loan while the loan remains in a Home Package Plus. The discounted rate is available on eligible loans applied for from 3 April 2020. Rates and discounts are subject to change. The Standard 2 Year 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. Pre-approvals excluded.

# 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.

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.

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.

Fixed rate

Lock in your interest rate and repayment amount

Variable rate

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

Got a Question?

Ask Scout, the Suncorp Virtual Assistant