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House hunting

Get pre-approval on a home loan

Bidding or making an offer on a property without having pre-approval on a loan is a bit like going to the airport without your boarding pass. Lock in your loan and know your limits, so you can be confident you’re offer will be accepted when you’re ready to make it.

Home loan pre-approval – how much should you borrow?

Suncorp Mobile Lender, Dane Gaspar, explains why pre-approval can help give you confidence looking for a house to buy.

Talk to a Suncorp Bank mobile lender

If you’re ready to find a home loan, our Suncorp Bank mobile lenders will be able to guide you to find the best fit from our award-winning home loan range. They can also aide you through the process of pre-approval, to finalizing your loan when you’re ready to buy.

What our customers have to say about our Suncorp Bank mobile lenders

I can't thank Nelvin enough for making my dreams come true. I have a beautiful home and he made it easy.

Firstly he arranged a pre-approved loan which I received within 48 hours. I then started looking for a home to call my own and boy, did I see some homes before I found the one I wanted to call mine! Thank you Nelvin.

- Jennifer W, QLD

Explore our Suncorp Bank range of home loans

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

Back to Basics

No ongoing account keeping fees

Owner-Occupier

Find out more

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

100% offset facility available

FIRST HOME BUYER OFFER!

Owner-Occupier

Find out more

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

Repayment & rate certainty

FIRST HOME BUYER OFFER!

Owner-Occupier

Find out more

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

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

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What’s next in our Home Buying Guide?

Organise professional services

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Need more help with home loans?

Get in contact with one of our Suncorp Bank Home Lending Specialists. They’re here to help answer your questions to keep you moving towards getting your home.

Meet a mobile lender

Have one of our Suncorp Bank mobile lenders come to you

Give us a call

Our Suncorp Bank team is available Mon-Fri 8:30am-8pm (AEST)

Let us call you back

Send Suncorp Bank your home loans query

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Discuss your home loan needs in person

The information is intended to be of a 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.

Any advice contained in this document has been prepared without taking into account your particular objectives, financial situation or needs.  For that reason, before acting on the advice, you should consider the appropriateness of the advice having regard to your own objectives, financial situation and needs. Where the advice relates to the acquisition, or possible acquisition, of a particular financial product, you should consider the Product Disclosure Statement before making any decision regarding the product.  Contact us for a copy.

^These links take you to websites owned or operated by third parties independent of us. We do not sponsor, endorse or approve of any material on that website, and we make no warranty or representation about any information, products, services, offers or benefits available through that website. Separate terms may apply on the third party website and you should read and accept these before proceeding. The information is intended to be of a 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.

Any advice contained in this document has been prepared without taking into account your particular objectives, financial situation or needs. For that reason, before acting on the advice, you should consider the appropriateness of the advice having regard to your own objectives, financial situation and needs. Where the advice relates to the acquisition, or possible acquisition, of a particular financial product, you should consider the Product Disclosure Statement before making any decision regarding the product. Contact us for a copy.

Various products and services are provided by different entities of the Suncorp Group. The different entities of the Suncorp Group are not responsible for, or liable in respect of, products or services provided by other entities of the Suncorp Group. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it. For that reason, before acting on the advice, you should consider the appropriateness of the advice having regard to your own objectives, financial situation and needs. Where the advice relates to the acquisition, or possible acquisition, of a particular financial product, you should consider the Product Disclosure Statement before making any decision regarding the product. Banking products are issued by Suncorp-Metway Ltd ABN 66 010 831 722 AFSL No 229882 Australian Credit Licence 229882. 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.

The Home Package Plus (HPP) Discounts are applied for as long as the home loan remains part of the Home Package Plus. Interest rates and discounts are subject to change without notice. Discount 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. A repayment type of interest only is available on loans with an LVR limit < 90%. At the expiry of the interest only period, the rate will convert to the applicable P&I interest rate plus or minus any applicable margins specified in your credit contract.

# 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. Comparison rates for Interest Only Fixed Rate home loans are based on an initial Interest Only period equal in length to the fixed. Comparison rates for Interest Only Variable home loans are based on an initial 5 year Interest Only period.

* Advertised discounted rate valid from 12 September 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 personal/owner-occupied purpose 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 includes a Principal and Interest (P/I) discount of 1.29% p.a. applied to the Bank’s (P/I) Back to Basics Variable Rate for personal/owner-occupied lending (currently 4.97% p.a.). P/I discount may be varied if the loan purpose or repayment type is changed before settlement or where the borrower fails to hold a Suncorp Bank transaction account. Everyday Basics Accounts are issued by Suncorp Bank. 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 stores or at suncorp.com.au/banking/help-support/documents-forms. Interest Only, pre-approvals and investment lending excluded. 

+ Advertised rate valid from 12 September 2017, is subject to change without notice and may be withdrawn at any time. Available for new personal/owner-occupied purpose loans >= $150,000 where borrowings <= 95% of the security property value (“LVR”) inclusive of lenders mortgage insurance (where applicable). Disclosed rate is principal and interest repayments, Standard Variable (currently 3.79% p.a.) with inclusive package discount of 1.76% 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. 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. New loans only, pre-approvals & investment lending excluded.

‡ Advertised rate valid from 12 September 2017 is subject to change without notice and may be withdrawn. Rate available for new personal/owner-occupied purpose loans >= $150,000 where borrowings <= 95% of the security property value (“LVR”) inclusive of lenders mortgage insurance (where applicable). Disclosed rate is principal and interest repayments, 5 Year Fixed Rate (currently 3.99% p.a.) with inclusive package fixed discount of 0.35% p.a. At the expiry of the Fixed Rate Term, will revert to the then Standard Variable Rate (currently 5.55% p.a.) less the Home Package Plus Variable discount (currently 1.76% 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. 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 . New loans only, pre-approvals and investment lending excluded.