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Property investment

There are a lot of big decisions to make, but we can help make those decisions easier by arming you with information, tools, and services to help guide you through the process of investing in property.

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

3 simple steps to help get your finances in order

& on the road to property ownership

1. Finances & Costs

If you're looking to build your wealth and you've decided to invest in property, it pays to do your research. Not only do you need to find the right home loan, but you'll also need the right investment strategy to suit your situation.

Equity & how can it be used?

Equity is the difference between the value of your current home and the amount still owing on it. Equity in your home is valuable as it’s building your wealth. There are plenty of potential uses for your equity.

Other costs to consider

Buying a property costs more than just the purchase price. So it's important to be aware of all the additional costs you'll incur when buying a property – and budget for them accordingly before you sign a contract.

Investment strategies

To make the most of your property investment, consider a range of property investment strategies such as positive cash flow, negative cash flow and depreciation.

Investment strategies

 

To make the most of your property investment, consider a range of property investment strategies such as positive cash flow, negative cash flow and depreciation.

Tools to help you understand your costs & potential repayments

Need help? Speak to one of our home loan specialists Enquire online or call 13 11 55

2. Finding the right home loan

Choosing the right home loan can save you a lot of money in repayments, interest, & fees.

Our investor home loan rates 

Back to Basics

No ongoing account keeping fees

Investment

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

Investment

Find out more

Discounted Standard Variable Rate in Home Package Plus
New to Bank Lending >=$150,00
Maximum LVR 90%
Principal and Interest repayments0

Fixed Loan

Repayment & rate certainty

Investment

Find out more

Discounted 2 Year Fixed Rate in Home Package Plus
Total home lending in package of >= $150,000
Maximum LVR 90%
Principal and Interest repayments

Getting pre approval.
To bid with more confidence.

Letting the real estate agent know that you have pre-approval on your finances may work in your favour, it can help convince the seller that you're serious about your offer. And if the house you love is going to auction, arranging a pre-approval before auction day is essential. 

The home loan application.
What you will need.

Find all the information you'll need about how to make contact, the documents you will need and how to prepare for the process of submitting a home loan application.

Talk to a mobile lender.
Get the help you need.

We understand life is busy – that’s why we have experienced home lending specialists who will come to you and guide you through the home loan process. Find out more about mobile lenders 

3. Prior to settlement

Before you buy, it's important to not only obtain legal advice, but to properly inspect the home for any pests and building issues to make sure you aren't faced with any unwanted (and costly) surprises down the track. But with so many companies to choose from, it can often feel overwhelming to know who's right for the job. That's why Suncorp has done the work for you and teamed up with some of Australia's leading companies to help make the process of buying a property easier.
Find out more about our recommended services

Have you obtained legal advice?

Suncorp has teamed up with the highly recommended national lawlab legal team to secure your investment purchase with quality legal advice.

Before you bid at auction or make an offer for your property, talk to lawlab. They specialise in property investments, understand property development and can also help with self-managed super funds.

Have you arranged a building & pest inspection?

Receive a discount from Jim's Building inspections, one of Australia's leading Building & Pest inspection groups.

  • Information critical to property negotiations
  • Easy to read reports within 24hrs of inspection.
  • Get peace of mind from a builder that has extensive experience building in your local area.

Have you thought about Landlord Insurance?

It's a requirement made by the lender that you take out insurance for a mortgaged property, to protect both you and the Bank in the unfortunate event of damage or destruction of the property.

Ready to take the next step?

Our home lending specialists are available to answer your questions

Book a visit
From one of our friendly lenders

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Mon - Fri 8am - 7pm (AEST)

Contact us
With any queries you may have

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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.  Contact us 13 11 55 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 through that website. Separate terms may apply on the third party website and you should read and accept these before proceeding.

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 28 March 2018, is subject to change without notice and may be withdrawn at any time. Available for new Investment >=$150,000 where borrowings <=90% of the security property value (“LVR”) inclusive of lenders mortgage insurance (where applicable). Disclosed rate is Principal and Interest, Back to Basics Variable (currently 5.44% p.a.) less net discount of -1.25% 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. 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.

++ Advertised discounted rate valid from 28 March 2018, is subject to change without notice and may be withdrawn at any time. Available for new Investment >= $150,000 where borrowings <= 90% of the security property value (“LVR”) inclusive of lenders mortgage insurance (where applicable). Disclosed rate is Principal and Interest, Standard Variable (currently 6.07% p.a.) less package net discount of -1.88% 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.

‡‡ Advertised rate valid from 27 April 2018 is subject to change without notice and may be withdrawn. Available for Investment lending where total home 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 rate is Principal and Interest, 2 Year Fixed Rate (currently 4.14% p.a.) less package fixed discount of -0.15% p.a. At the expiry of the Fixed Rate Term, the rate will revert to the then Standard Variable (currently 6.07% p.a.) less the applicable Home Package Plus net discount (currently -0.75% p.a.) as specified in your credit contract. 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.

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.

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