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Choosing the right home loan
While it’s easy to comparison shop by looking at interest rates alone, you want to consider home loan features, fees, payment flexibility and any home loan package options.
Start your journey to buying a home
Guidance every step of the way
Your Home Buying Checklist
An interactive tool that supports you through each stage of buying a home.
Get to know your home loan options
There are a lot of home loan options out there and all of them raise important questions. Should you go with a fixed or variable rate? Maybe you could split your loan between the two? Could you take advantage of an offset account? What happens if you want to increase your monthly repayments?
A Suncorp home loan specialist can help you choose what’s right for you. We offer fixed and variable rate options for all types of buyers, from owner-occupiers through to investors. These include:
Back to Basics
A great option for savvy buyers who are looking to keep their repayments down.
No ongoing account keeping fees
Low variable interest rate
Make additional repayments anytime
Redraw cashback facility
Standard Variable
Take advantage of the flexibility that comes with a variable rate, along with great extra features like an offset loan and cashback facility.
100% Mortgage Offset capability
Redraw cashback facility
Make additional repayments anytime
Package and save
Fixed Rate
With the opportunity to fix your rate over 1, 2, 3 or 5 years, the Fixed Rate option is perfect for borrowers looking for payment security.
Repayment and rate certainty
Option to lock in rate on application
Package and save
Make additional repayments of up to $500 per month without penalty
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.
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.
Need help selecting the right loan for you?
There’s no ‘one size fits all’ when it comes to home loans. For more information about home buying and loan options, talk to a Suncorp home lending specialist.
How much can I borrow?
Learn how much you can borrow with Suncorp Bank’s Borrowing Limit Home Loan Calculator. It gives you a quick estimate of your borrowing power based on your income and expenses.
Streamline your home loan application
There’s a lot to organise when applying for a home loan. We’ll show you how pre-approval works, what documents you’ll need for your full application and how to keep track of your progress along the way.
Your own home loan specialist
" My husband and I were looking to buy an investment property and we were so fortunate to have Nelvin help us every step of the way. He went above and beyond and was always there, willing to answer my endless list of questions and concerns. "
- Chris & Jess Falla
We’re ready to help you
© Copyright Suncorp-Metway Ltd ABN 66 010 831 722 AFSL No 229882 Australian Credit Licence 229882 (“Suncorp Bank”). Registered office: Level 28, 266 George Street, Brisbane Qld 4000. In accessing Suncorp's site you agree to our Online Terms & Privacy Statement. Please ensure that you read these before accessing the site.
Banking Products and Home Loans 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.
The information is intended to be of general nature only. We do not accept any legal responsibility for any loss incurred as a result of reliance upon it – please make your own enquiries.
Option to lock in rate on application
As Fixed Rates are determined at settlement of your loan, our Guaranteed Rate Fee removes this uncertainty by fixing the rate at application for up to 90 days to protect you from unforeseen increases before loan settlement.
