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% Comparison Rate ^#	Package rate Variable Rate ⁺ Discounted Standard Variable Rate in Home Package Plus New to bank lending >= $150,000 Maximum LVR 90% Comparison Rate ^#	Package rate Fixed Rate ^‡ Discounted 1 Year Fixed Rate in Home Package Plus New to bank lending >= $150,000 Maximum LVR 90% Comparison Rate ^#	Package rate Variable Rate ^∞ Discounted Access Equity Variable Rate in Home Package Plus New to bank lending >= $150,000 Maximum LVR 90%
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 (Line of Credit - 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.
	Package available Home Package Plus	Package available Home Package Plus	Package available Home Package Plus
Standard rate Variable Rate ^** Standard Back to Basics Variable Rate Maximum LVR 90% Comparison Rate ^#	Package rate Variable Rate ⁺⁺ Discounted Standard Variable Rate in Home Package Plus Maximum LVR 80% Comparison Rate ^#	Package rate Fixed Rate ^‡‡ Discounted 1 Year Fixed Rate in Home Package Plus New to bank lending >= $150,000 Maximum LVR 90% Comparison Rate ^#	Package rate Variable Rate ^∞∞ Discounted Access Equity Variable Rate in Home Package Plus New to bank lending >= $150,000 Maximum LVR 90%
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

# Each comparison rate is based on $150,000 over 25 years. WARNING: 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.

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. Variation fees 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 branch.

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

⁵ A maximum period of five years interest only repayments applies and is subject to you satisfying applicable Bank criteria.

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.

Home Package Plus discount 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 Settlement. Loan to Value Ratio (LVR) limits are inclusive of Lenders Mortgage Insurance (LMI) where applicable. Loans with LVR limits of 90% to ≤95% are only available with a repayment type of principal and interest. A repayment type of interest only is available on loans with an LVR limit < 90%.

Banking products are issued by Suncorp-Metway Ltd ABN 66 010 831 722 AFSL No 229882 Australian Credit Licence 229882 to approved applicants only. Please read the relevant Product Information Document for Suncorp Bank Personal Deposit Accounts and the Terms and Conditions for Suncorp Accounts before making a decision regarding a Suncorp Bank transaction account. Fees, charges, terms and conditions apply and are available on request or at suncorp.com.au/banking/help-support/documents-forms.html.

Back to Basics Loan
* Advertised discounted rate/comparison rate valid from 19 July 2017, is subject to change without notice and may be withdrawn at any time before a credit contract is entered into. Rate/comparison rate available for new owner-occupied loans of at least $150,000 where borrowings are less than or equal to 90% of the security property value (“LVR”) inclusive of lenders mortgage insurance. Rate/comparison rate includes a 1.19% p.a. discount applied to the Bank’s Back to Basics interest rate for owner-occupied lending (currently 4.97% p.a.). Discount may be varied if the loan purpose is changed before settlement or where the borrower fails to hold a Suncorp Bank transaction account. Everyday Basics Accounts are issued by Suncorp Bank ABN 66 010 831 722. Please read the relevant Product Information Document for Suncorp Bank Personal Deposit Accounts and the Terms and Conditions for Suncorp Accounts before making any decision regarding this product. These documents are also available at Suncorp Bank branches or at suncorp.com.au/banking/help-support/documents-forms. New loans only, pre-approvals and investment lending excluded.

Standard Variable Loan
+ Advertised rate valid from 26 July 2017, is subject to change without notice and may be withdrawn at any time before a credit contract is entered into. Rate available for new owner-occupied loans of at least $150,000 where borrowings are less than 90% of the security property value (“LVR”) inclusive of lenders mortgage insurance. Rate includes a Package Variable Discount of 1.66% p.a. applied to the Bank’s Standard Variable Rate for owner-occupied lending (currently 5.55% p.a.). Discount is applied for as long as the loan remains part of the Home Package Plus and may be varied if the loan purpose is changed before settlement. New loans only, pre-approvals & investment lending excluded.

Fixed Loan
‡ Advertised rate valid from 26 July 2017, is subject to change without notice and may be withdrawn at any time before a credit contract is entered into. Rate available for new owner-occupied loans of at least $150,000 where borrowings are less than 90% of the security property value (“LVR”) inclusive of lenders mortgage insurance. Rate includes a Package Fixed Discount of 0.35% p.a. applied to the Bank’s Standard 1 Year Fixed Rate for personal purpose / owner-occupied lending (currently 4.04% p.a.). At expiry of the Fixed Rate period, the rate will revert to the then Standard Variable Rate (currently 5.55% p.a.) less the Home Package Plus Variable Discount (currently 1.66% p.a.) available at the time you entered into the Package. Discount is applied for as long as the loan remains part of the Home Package Plus and may be varied if the loan purpose is changed before settlement. New loans only, pre-approvals and investment lending excluded. The 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.

Access Equity Loan
∞ Advertised rate valid from 26 July 2017, is subject to change without notice and may be withdrawn at any time before a credit contract is entered into. Rate available for new Access Equity facilities with total home lending in the Home Package Plus of > $150,000, where borrowings are less than 90% of the security property value. Rate includes a Package Variable Discount of 1.55% p.a. applied to the Bank’s Access Equity Variable Rate (currently 6.02% p.a.). Discount is applied for as long as the loan remains part of the Home Package Plus and may be varied if the loan purpose is changed before settlement. New loans only, pre-approvals excluded.

Back to Basics Loan
** Advertised rate valid from 28 July 2017, is subject to change without notice and may be withdrawn at any time before a credit contract is entered into. Rate available for investment loans of at least $10,000 where borrowings are less than 90% of the security property value (“LVR”) inclusive of lenders mortgage insurance.

Standard Variable Loan
++ Advertised rate valid from 28 July 2017, is subject to change without notice and may be withdrawn at any time before a credit contract is entered into. Rate available for investment loans with total home lending in the Home Package Plus of > $150,000, where borrowings are less than 80% of the security property value (“LVR”) inclusive of lenders mortgage insurance. Rate includes a Package Variable Discount of 1.15% p.a. applied to the Bank’s Standard Variable Rate for investment lending (currently 5.99% p.a.). Discount is applied for as long as the loan remains part of the Home Package Plus and may be varied if the loan purpose is changed before settlement.

Fixed Loan
‡‡ Advertised rate valid from 28 July 2017, is subject to change without notice and may be withdrawn at any time before a credit contract is entered into. Rate available for investment loans with total home lending in the Home Package Plus of > $150,000, where borrowings are less than 90% of the security property value (“LVR”) inclusive of lenders mortgage insurance. Rate includes a Package Fixed Discount of 0.15% p.a. applied to the Bank’s Standard 1 Year Fixed Rate for investment lending (currently 4.54% p.a.). At expiry of the Fixed Rate period, the rate will revert to the then Standard Variable Rate (currently 5.99% p.a.) less the Home Package Plus Variable Discount (currently 0.75% p.a.) available at the time you entered into the Package. Discount is applied for as long as the loan remains part of the Home Package Plus and may be varied if the loan purpose is changed before settlement. New loans only and pre-approvals excluded. The 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.

Access Equity Loan
∞∞ Advertised rate valid from 26 July 2017, is subject to change without notice and may be withdrawn at any time before a credit contract is entered into. Rate available for new Access Equity facilities with total home lending in the Home Package Plus of > $150,000, where borrowings are less than 90% of the security property value. Rate includes a Package Variable Discount of 1.55% p.a. applied to the Bank’s Access Equity Variable Rate (currently 6.02% p.a.). Discount is applied for as long as the loan remains part of the Home Package Plus and may be varied if the loan purpose is changed before settlement. New loans only, pre-approvals excluded.