Compare Home Loans

Understanding what each home loan can do for you is important, and often easiest to see when the options are presented side by side.

My home loan is for

Back to Basics Owner Occupied	Standard Variable Owner Occupied	Fixed Rate Owner Occupied	Access Equity (Line of Credit - Owner Occupied)
A low variable rate home loan with no ongoing account keeping fees. Make additional repayments without penalty and redraw these funds when needed.	A variable rate home loan offering optional 100% mortgage offset capability. Make additional repayments without penalty and redraw these funds when needed.	A home loan that offers the certainty of fixed repayments and a fixed interest rate for a period of 1, 2, 3 or 5 year terms.	A low variable rate revolving line of credit to access as you need it. Draw down, repay and draw back up to your approved credit limit.
Special offer available Better Together Special	Package available Home Package Plus	Package available Home Package Plus	Package available Home Package Plus
Special offer rate Variable Rate ^* Discounted Back to Basics Variable Rate with Better Together Special New to bank lending >= $150,000 Maximum LVR 90% Principal and Interest repayments Comparison Rate ^# Comparison Rate Warning	Special offer rate Variable Rate ⁺ Discounted Standard Variable Rate in Home Package Plus New to bank lending >= $150,000 Maximum LVR 90% Principal and Interest repayments Comparison Rate ^# Comparison Rate Warning	Special offer rate Fixed Rate ^‡ Discounted 3 Year Fixed Rate in Home Package Plus (HPP) New to bank home lending >= $150,000 Maximum LVR 90% Principal and Interest repayments Comparison Rate ^# Comparison Rate Warning	Special offer rate Variable Rate ^∞ Discounted Access Equity Rate in Home Package Plus New to bank lending >= $150,000 Maximum LVR 90% Interest Only repayments
Annual package fee N/A	Annual package fee $375	Annual package fee $375	Annual package fee $375
Loan establishment fee $0 For loans more than or equal to $150,000 $600 For loans less than $150,000 when you borrow less than 90% of the property value $990 For loans less than $150,000 when you borrow more than or equal to 90% of the property value	Loan establishment fee $0 When included in Home Package Plus $600 When you borrow less than 90% of the property value $990 When you borrow more than or equal to 90% of the property value	Loan establishment fee $0 When included in Home Package Plus $600 When you borrow less than 90% of the property value $990 When you borrow more than or equal to 90% of the property value	Loan establishment fee $0 When included in Home Package Plus $600 When you borrow less than 90% of the property value $990 When you borrow more than or equal to 90% of the property value
Account keeping fee $0 per month	Account keeping fee $0 when included in Home Package Plus _{Normally $10 per month}	Account keeping fee $0 when included in Home Package Plus _{Normally $10 per month}	Account keeping fee $0 when included in Home Package Plus _{Normally $10 per month}
Option to split loan¹	Option to split loan¹	Option to split loan¹	Option to split loan¹
Redraw facility²	Redraw facility²	Redraw facility²	Redraw facility² N/A
100% mortgage offset³	100% mortgage offset³	100% mortgage offset³	100% mortgage offset³
Add loan facility⁴	Add loan facility⁴	Add loan facility⁴	Add loan facility⁴
Repayment frequency Weekly Fortnightly Monthly	Repayment frequency Weekly Fortnightly Monthly	Repayment frequency Weekly or fortnightly payments may result in an Early Payment Interest Adjustment (EPIA) Find out more about EPIA	Repayment frequency When it suits you whilst the balance remains below the approved limit
Interest only option⁵ Monthly in arrears	Interest only option⁵ Monthly in arrears	Interest only option⁵ Monthly in arrears or annually in advance (1, 3 and 5 years)	Interest only option⁵ N/A
Additional repayments⁶	Additional repayments⁶	Additional repayments⁶ Up to $500 per month without penalty	Additional repayments⁶
Lenders mortgage insurance Amount determined at application on loans >80% LVR	Lenders mortgage insurance Amount determined at application on loans >80% LVR	Lenders mortgage insurance Amount determined at application on loans >80% LVR	Lenders mortgage insurance Amount determined at application on loans >80% LVR
Back to Basics Find out more	Standard Variable Find out more	Fixed Rate Find out more	Access Equity Find out more

Back to Basics Investor	Standard Variable Investor	Fixed Rate Investor	Access Equity Investor
A low variable rate home loan with no ongoing account keeping fees. Make additional repayments without penalty and redraw these funds when needed.	A variable rate home loan offering optional 100% mortgage offset capability. Make additional repayments without penalty and redraw these funds when needed.	A home loan that offers the certainty of fixed repayments and a fixed interest rate for a period of 1, 2, 3 or 5 year terms.	A low variable rate revolving line of credit to access as you need it. Draw down, repay and draw back up to your approved credit limit.
Special offer available Better Together Special	Package available Home Package Plus	Package available Home Package Plus	Package available Home Package Plus
Special Offer available Variable Rate ^** Discounted Back to Basics Variable Rate With Better Together Special New to bank lending >= $150,000 Maximum LVR 90% Principal and Interest repayments Comparison Rate ^# Comparison Rate Warning	Special Offer available Variable Rate ⁺⁺ Discounted Standard Variable Rate in Home Package Plus New to bank lending >= $150,000 Maximum LVR 90% Principal and Interest repayments Comparison Rate ^# Comparison Rate Warning	Special Offer available Fixed Rate ^‡‡ Discounted 3 Year Fixed Rate in Home Package Plus Total lending >= $150,000 Maximum LVR 90% Principal and Interest repayments Comparison Rate ^# Comparison Rate Warning	Special Offer available Variable Rate ^∞∞ Discounted Access Equity Rate in Home Package Plus New to bank lending >= $150,000 Maximum LVR 90% Interest Only repayments
Annual package fee N/A	Annual package fee $375	Annual package fee $375	Annual package fee $375
Loan establishment fee $0 For loans more than or equal to $150,000 $600 For loans less than $150,000 when you borrow less than 90% of the property value $990 For loans less than $150,000 when you borrow more than or equal to 90% of the property value	Loan establishment fee $0 When included in Home Package Plus $600 When you borrow less than 90% of the property value $990 When you borrow more than or equal to 90% of the property value	Loan establishment fee $0 When included in Home Package Plus $600 When you borrow less than 90% of the property value $990 When you borrow more than or equal to 90% of the property value	Loan establishment fee $0 When included in Home Package Plus $600 When you borrow less than 90% of the property value $990 When you borrow more than or equal to 90% of the property value
Account keeping fee $0 per month	Account keeping fee $0 when included in Home Package Plus _{Normally $10 per month}	Account keeping fee $0 when included in Home Package Plus _{Normally $10 per month}	Account keeping fee $0 when included in Home Package Plus _{Normally $10 per month}
Option to split loan¹	Option to split loan¹	Option to split loan¹	Option to split loan¹
Redraw facility²	Redraw facility²	Redraw facility²	Redraw facility² N/A
100% mortgage offset³	100% mortgage offset³	100% mortgage offset³	100% mortgage offset³
Add loan facility⁴	Add loan facility⁴	Add loan facility⁴	Add loan facility⁴
Repayment frequency Weekly Fortnightly Monthly	Repayment frequency Weekly Fortnightly Monthly	Repayment frequency Weekly or fortnightly payments may result in an Early Payment Interest Adjustment (EPIA) Find out more about EPIA	Repayment frequency When it suits you whilst the balance remains below the approved limit
Interest only option⁵ Monthly in arrears	Interest only option⁵ Monthly in arrears	Interest only option⁵ Monthly in arrears or annually in advance (1, 3 and 5 years)	Interest only option⁵ N/A
Additional repayments⁶	Additional repayments⁶	Additional repayments⁶ Up to $500 per month without penalty	Additional repayments⁶
Lenders mortgage insurance Amount determined at application on loans >80% LVR	Lenders mortgage insurance Amount determined at application on loans >80% LVR	Lenders mortgage insurance Amount determined at application on loans >80% LVR	Lenders mortgage insurance Amount determined at application on loans >80% LVR
Back to Basics Find out more	Standard Variable Find out more	Fixed Rate Find out more	Access Equity Find out more

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Fees, Charges and Conditions

Lending Fees and Charges brochure

Home Package Plus Terms and Conditions

¹ Split your loan into two loans, one fixed rate loan and one variable rate loan in a proportion of your choice (e.g. 75% fixed and 25% variable). At the end of any fixed rate period, the fixed loan automatically rolls onto the standard variable rate or you can apply to fix the interest rate again. Renegotiation fees may apply.

² You need to apply for Cashback which is available subject to conditions specified in the contract. Please read those conditions carefully. A Cashback fee may be charged. External transfers cannot be performed using online Cashback

³ A Mortgage Offset facility can be established by linking your Everyday Options account to the loan account and having it in offset mode. A Mortgage Offset Fee applies to link the 100% Home Loan Offset facility to your home loan. This fee is charged to your linked loan account. Everyday Options accounts are issued by Suncorp-Metway Ltd ABN 66 010 831 722 (“Suncorp Bank”). Please read the applicable Product Information Document before making any decisions about an Everyday Options account. Contact Suncorp Bank for a copy or call into a local store.

⁴ An Additional Loan is available (subject to satisfying our credit requirements) and fees and conditions may apply.

⁵ A maximum period for interest only repayment types are five years interest and is subject to you satisfying applicable Bank criteria. For Fixed Rate Home Loans, the interest only repayment period must equal the Fixed Rate term.

⁶ For Fixed Rate Home Loans, an Early Payment Interest Adjustment (EPIA) applies if more than the prepayment allowance (currently $500.00 per month) is paid in excess of the agreed monthly repayment. The EPIA also applies if the loan is repaid in full or the agreed fixed rate period is broken for any reason. EPIA applies to the whole amount prepaid. Find out more information on EPIA or ask in branch for our EPIA brochure.

The Home Package Plus (HPP) discounts are applied for as long as the home remains part of the Home Package Plus. Interest rates and discounts are subject to change without notice. Discounts 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 of 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 term, the rate will convert to the applicable Principal & Interest Rate plus or minus any applicable margins specified in your credit contract. The Interest Only period on a Fixed Rate must equal the Fixed Rate term.

^#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.

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 our Product Information Documents and Forms page.

Back to Basics Loan
* Advertised discounted rate valid from 22 February 2019, is subject to change without notice and may be withdrawn at any time. Offer available for new Personal/Owner Occupied loans >=$150,000 where borrowings <=90% of the security property value ("LVR") inclusive of lenders mortgage insurance (where applicable), and who hold a Suncorp Bank transaction account. Disclosed Interest Rate is based on Principal and Interest, Back to Basics Variable (currently variable interest rate of 5.19% p.a.) less net discount of -1.50%. Rate and discount 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. Banking products are issued by Suncorp Bank. Please read the relevant Product Information Document and the Terms and Conditions before making any decision regarding this product. These documents are also available at Suncorp Bank stores or on our Product Information Documents and Forms page.

Standard Variable Loan
⁺ Advertised discounted rate valid from 13 December2018, is subject to change without notice and may be withdrawn at any time. Offer available for new Personal/Owner Occupied loans >= $150,000 where borrowings <= 90% of the security property value (“LVR”) inclusive of lenders mortgage insurance (where applicable). Disclosed Interest Rate is based on Principal and Interest, Standard Variable (currently variable interest rate of 5.77% p.a.) less package net discount of -1.78% p.a. A discount is applied for as long as the loan remains part of the Home Package Plus. Rate and discount may be varied if the loan purpose or repayment type is changed. Pre-approvals excluded.

Fixed Loan

‡ Discounted rate only available for new personal/owner occupied loans taken out as part of the Home Package Plus >= $150,000 and borrowings <= 90% of the security property value (LVR) inclusive of lender’s mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 3.49% p.a .) is calculated by subtracting a discount of -0.45% p.a. from the Standard 3 Year Fixed Rate (currently 3.94% p.a.). At the expiry of the 3 Year Fixed Rate Term, the loan will revert to the applicable Standard Variable Rate advertised at the time (currently 5.77% p.a.) less the Home Package Plus discount (currently 1.15% p.a.). The discounted rate is only applicable to the 3 Year Fixed Rate loan while the loan remains in the Home Package Plus. The discounted rate is available on eligible loans applied for from 11 April 2019. Rates and discounts are subject to change. The Standard 3 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.

Access Equity Loan
^∞ Advertised discounted rate valid from 14 September 2018, is subject to change without notice and may be withdrawn at any time. Offer available for new Access Equity facilities with total new home lending in the Home Package Plus of >= $150,000, where borrowings <= 90% of the security property value (“LVR”) inclusive of lenders mortgage insurance (where applicable). Disclosed Interest Rate is based on Access Equity (currently variable interest rate of 6.44% p.a.) less package net discount of -1.95% p.a. Discount is applied for as long as the facility remains part of the Home Package Plus. Pre-approvals excluded.

Back to Basics Loan
** Advertised discounted rate valid from 22 February 2019, is subject to change without notice and may be withdrawn at any time. Offer available for new Investment >=$150,000 where borrowings <=90% of the security property value (LVR) inclusive of lenders mortgage insurance (where applicable), and who hold a Suncorp Bank transaction account. Disclosed Interest Rate is based on Principal and Interest, Back to Basics Variable (currently variable interest rate of 5.61% p.a.) less net discount of -1.62% p.a. Rate and discount 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. Banking Products are issued by Suncorp Bank. Please read the relevant Product Information Document and the Terms and Conditions before making any decision regarding this product. These documents are also available at Suncorp Bank stores or on our Product Information Documents and Forms page.

Standard Variable Loan
⁺⁺ Advertised discounted rate valid from 14 September 2018, is subject to change without notice and may be withdrawn at any time. Offer available for new Investment >= $150,000 where borrowings <= 90% of the security property value (“LVR”) inclusive of lenders mortgage insurance (where applicable). Disclosed Interest Rate is based on Principal and Interest, Standard Variable (currently variable interest rate of 6.24% p.a.) less package net discount of -1.95% p.a. A discount is applied for as long as the loan remains part of the Home Package Plus. Rate and discount may be varied if the loan purpose or repayment type is changed. Pre-approvals excluded.

Fixed Loan
‡‡Advertised rate valid from 11 April 2019, is subject to change without notice and may be withdrawn. Offer available for new Investment lending in the Home Package Plus (HPP) >= $150,000 where borrowings <= 90% of the security property value (LVR) inclusive of lenders mortgage insurance (where applicable). Disclosed Interest Rate is based on Principal and Interest, 3 Year Fixed Rate (currently fixed interest rate of 4.14% p.a.) less package fixed discount of -0.45% p.a. At the expiry of the Fixed Rate Term, the rate will revert to the then Standard Variable (currently variable interest rate of 6.24% p.a.) less the Home Package Plus Variable net discount (currently -0.75% p.a.) available at the time you entered into the Package. A discount is applied for as long as the loan remains part of the Home Package Plus. The rate and discount may be varied if the loan purpose or repayment type is changed. The applicable Standard Fixed Rate offered on the day of settlement of the loan will apply unless the rate is secured by paying a Guaranteed Rate Fee. Pre-approvals excluded.

Access Equity Loan
^∞∞ Advertised discounted rate valid from 14 September 2018, is subject to change without notice and may be withdrawn at any time. Offer available for new Access Equity facilities with total new home lending in the Home Package Plus of >= $150,000, where borrowings <= 90% of the security property value (“LVR”) inclusive of lenders mortgage insurance (where applicable). Disclosed Interest Rate is based on Access Equity (currently variable interest rate of 6.44% p.a.) less package net discount of -1.95% p.a. Discount is applied for as long as the facility remains part of the Home Package Plus. Pre-approvals excluded.