Property investment

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.

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** Advertised discounted rate valid from 22 February 2019, is subject to change without notice and may be withdrawn at any time.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. 

++ Advertised discounted rate valid from 11 April 2019, is subject to change without notice and may be withdrawn at any time.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). Disclosed Interest Rate is 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.

‡‡ Discounted rate special offer is only available for new investment 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 3.69% p.a.) is calculated by subtracting a discount of 0.45% p.a. from the Standard 3 Year Fixed Rate (currently 4.14% 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 6.24% p.a.) less the Home Package Plus discount (currently 1.95% p.a.). The discounted special offer rate is only applicable to the 3 Year Fixed Rate loan while the loan remains in the Home Package Plus. The discounted special offer 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. Pre-approvals excluded.

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 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 period, the rate will convert to the applicable Principal & Interest Rate plus or minus any applicable margins specified in your credit contract.

# 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.

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.

GHR has a referral relationship with Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. If you proceed with a trade job through GHR’s Everyday Repair service, PC will receive a referral fee. PC and its related entities do not assist in the products or services provided by GHR. PC, AAI Limited, Suncorp-Metway Limited, and all other Suncorp Group entities, will not be provided with any report or detailed information in relation to any trade service you complete with GHR. You may have a contractual obligation to disclose any maintenance issues or defects to your current and/or future building insurer, and you may have disclosure obligations and/or obligations to remediate certain defects under the terms and conditions of your loan/mortgage documents.

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 request or on our Product Information Documents and Forms page.