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Dream rates for your dream home

Discounted Back to Basics Variable Rate with Better Together Special Offer. Owner Occupied. New to bank lending >= $150,000. Maximum LVR 80%. Principal and Interest Repayment.

Check out our awesome rates!

Back to Basics
Our lowest variable rate

Most popular

Owner Occupied

Discounted Back to Basics Variable Rate with Better Together Special Offer. Owner Occupied. New to bank lending >= $150,000. Maximum LVR 80%. Principal and Interest Repayment.

Standard Variable
Variable rate with offset

Discounted first home buyer rate

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

Discounted first home buyer rate

Owner Occupied

Discounted 5 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

How soon are you looking to buy?

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Our experienced home lending team are here to guide you through your buying journey and to answer all your questions; no matter how big or small – obligation free.

I've just started
researching

Our home loan specialists are here to guide you and answer any questions you may have.

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What is pre-approval?

Pre-approval (sometimes referred to as conditional approval) will give you a good idea of how much you may be able to borrow from the bank. If a lender pre-approves you for a loan, they will do so for a specific amount, so you can house hunt properties you know you can afford. It is obligation-free if you're successful, and you can apply more than once.

I've started to look for my
first home

Secure your pre-approval to know your limits & bid with confidence.

Apply for pre-approval

What is pre-approval?

What can I expect?

Once you have completed this online application, your dedicated lender will review your application and reach out within the next business day to confirm your details and progress you to the next stage.

I'm ready, I've found my
dream home

Save time and start your new loan application online. It only takes 10 minutes!

Apply for a new loan

What can I expect?

Less than 10 minutes to apply!

Apply Online

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.

Pre-approval

You can get pre-approval within 1 business day, providing everything in your online application checks out and there is nothing further to review. Alternatively, your lender may contact you for more information so we can progress you to the next stage. It is obligation-free and you can apply online more than once.

Valuation and Verification

We will ensure everything is correct and do a valuation if required (which can vary depending on individual circumstances). Conditional approval can be issued while the valuation is in process.

Final Approval

Providing steps 1 to 3 are successful, you can get final approval in about 1 week! You will hear from your lender and they will guide you through to Settlement.

Normal waiting periods may be impacted due to COVID19, however, we will always aim to get back to you as soon as possible.

Limited time offer

No annual fee for the life of the loan

Saving you up to $11,250 over a 30-year period.

Applicable for Owner Occupied First Home Buyers who have never previously purchased a property. All applicants for the loan must be first home buyers and take out an Eligible Home Loan with Suncorp Bank. An eligible home loan is new home lending in the Home Package Plus of $150,000 or more.

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.

It can be hard to know where to start.

Be guided through the process with our interactive tool that supports you through each stage of buying a new home.

Start your home buying checklist

Checklist process with ist point description

Get some quick answers

100% obligation free advice

We understand that the journey to home ownership can be daunting. Our experienced home lending team are happy to answer all your questions, 7 days a week. They'll call you within 24 hours to discuss your home lending needs.

Speak to a home loan expert

Or call 13 11 55 Mon - Fri 8am - 7pm (AEST)

# 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.

* 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 <= 80% 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 2.68% p.a.) is calculated by subtracting a discount of 1.72% from the Standard Back to Basics Variable Rate (currently 4.40% p.a.). The discounted rate is available on eligible loans applied for from 3 September 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 rate is only available for new Personal/Owner Occupied loans taken out as part of the Home Package Plus First Home Buyer Special Offer >= $150,000 and borrowings <= 95% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 2.99% p.a.) is calculated by subtracting a discount of 1.99% from the Standard, 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 2 September 2020, for Owner Occupier first home buyers who have never previously purchased a property; all applicants for the loan must be first home buyers. Rates and discounts are subject to change. Pre-approvals excluded.

^ Discounted rate is only available for new personal/owner occupied loans taken out as part of the Home Package Plus First Home Buyer Special Offer >= $150,000 and borrowings <= 95% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 2.69% p.a.) is calculated by subtracting a discount of 0.45% p.a. from the Standard 5 Year Fixed Rate (currently 2.84% p.a.). At the expiry of the 5 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 1.99% p.a.). The discounted rate is only applicable to the 5 Year Fixed Rate loan while the loan remains in a Home Package Plus. The discounted rate is available on eligible loans applied for from 2 September 2020. Rates and discounts are subject to change. The Standard 5 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. Offer available for Owner Occupier first home buyers who have never previously purchased a property; all applicants for the loan must be first home buyers. Pre-approvals excluded.

∇ No annual fee for the life of the loan valid from 12/09/2017 and is subject to change without notice and may be withdrawn at any time before a credit contract is entered into. The annual package fee of $375 will be charged and refunded for the life of the loan, expiring only if the loan is closed or varied out of the product or package.

^^ Correct as at May 23, 2019. The Reward and Recognition program ("Suncorp Benefits") is being operated by Loyalty Corp Australia Services Pty Ltd ABN 39 615 958 873. To be eligible for Suncorp Benefits you must hold a current eligible personal policy or service with Suncorp or an eligible personal product or service from one of the brands in the Suncorp Network. Full Terms and Conditions are available here. Eligibility criteria and limits apply

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.

Variable Rate

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

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.

What is pre-approval?

Pre-approval (sometimes referred to as conditional approval) will give you a good idea of how much you may be able to borrow from the bank. If a lender pre-approves you for a loan, they will do so for a specific amount, so you can house hunt properties you know you can afford. It is obligation-free if you're successful, and you can apply more than once.

What can I expect?

Once you have completed this online application, your dedicated lender will review your application and reach out within the next business day to confirm your details and progress you to the next stage.

Apply Online

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.

100% obligation free advice

Our experienced home lending team are here to guide you through your buying journey and to answer all your questions; no matter how big or small – obligation free.

Pre-approval

You can get pre-approval within 1 business day, providing everything in your online application checks out and there is nothing further to review. Alternatively, your lender may contact you for more information so we can progress you to the next stage. It is obligation-free and you can apply online more than once.

Valuation and Verification

We will ensure everything is correct and do a valuation if required (which can vary depending on individual circumstances). Conditional approval can be issued while the valuation is in process.

Final Approval

Providing steps 1 to 3 are successful, you can get final approval in about 1 week! You will hear from your lender and they will guide you through to Settlement.

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