Investment Property Loans - Enquire Online | Suncorp

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I​​nvestment loan rates

Investment property loans

Variable Rate

**

Discounted Back to Basics Variable Rate with Better Together Special Offer. Investment. New to bank lending ≥ $150,000. Maximum LVR 60%. Principal and Interest repayments.

No fuss. Just great investment property loan rates.

Back to Basics
Our lowest variable rate
Our low rate & low fee home loan

Investor

Discounted Back to Basics Variable Rate with Better Together Special Offer. Investment. New to bank lending ≥ $150,000. Maximum LVR 60%. Principal and Interest repayments.

Standard Variable
Variable rate with optional offset
Most popular

Investor

Discounted Standard Variable Rate in Home Package Plus. Investment. New to bank lending ≥ $150,000. Maximum LVR 60%. Principal and Interest repayments.

Fixed Rate
Fixed rate & term
Set your rate for 1, 2, 3 or 5 years

Investor

Discounted 3 Year Fixed Rate in Home Package Plus (HPP). Investment. New to bank lending in the HPP >= $150,000. Maximum LVR 80%. Principal and Interest repayments.

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

        LIMITED TIME OFFER        

Save up to $11,250!##

Pay no annual fee for the life of the loan if you take out a new Home Package
Plus home loan of $150k+.
That’s a saving of $11,250 over a 30 year loan.##

Available to eligible new home loan packages more than $150k.

        LIMITED TIME OFFER        

Save up to $11,250!##

Pay no annual fee for the life of the loan if you take out a new Home Package
Plus home loan of $150k+.
That’s a saving of $11,250 over a 30 year loan.##

Available to eligible new home loan packages more than $150k.

Easy application, fast approvals

Number 1

Apply Online

Once your loan has been submitted online, you will hear from your dedicated lender. We’ll reply within two hours or by the next business day to confirm the details provided and answer any questions you may have.

Apply online

Number 2

Indicative 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.

Number 3

Valuation & Verification

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

Number 4

Fast Approvals

Providing steps 1 to 3 are successful, you can get final approval in about 1 week.

Getting you ready to invest in property

Lenders Mortgage Insurance

If you are borrowing more than 80% of the value of the property, you will be required to pay Lenders Mortgage Insurance. This is a one-off payment and can be financed into the loan.

Lenders Mortgage Insurance protects Suncorp Bank against loss in the event of a forced sale of a mortgage property. It does not insure you but may make it possible for you to buy a home with a smaller deposit. You will still be responsible for all amounts owing in relation to your loan.

Using equity to enhance your investment borrowing power

Equity in an existing property can be used to secure funding for a deposit on a new investment property.  If you do this with Suncorp Bank, you can borrow up to 90% of the property value (inclusive of Lenders Mortgage Insurance).

Consider what property investment strategy might work best

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.

Get pre-approval

Pre-approval can help you know where your buying limit lies. If successful, you’ll be issued with a pre-approval letter that’s valid for 90 days. With this, you can more confidently make an offer on an investment property.

Pre-approval is 100% fee free and once approved you are under no obligation to lend with Suncorp. Read more about pre-approval.

The application will take as little as 20 minutes.

Helping you get there
Home loan calculators & resources

I’d like to learn more about…

Buying my first home

Buying my next home

Switching to Suncorp

Investing in a property

All home loan calculators

What could my repayments be?

How much could I borrow?

Stamp duty & concession calculator

Compare home loans


Lingo to know before you invest in property

Fixed Rates

A fixed interest rate is where the interest rate is fixed for a set period of time, so the interest being charged will not increase or decrease for that period.

Variable Rates

A variable interest rate changes from time to time based on underlying rules, regulations and the cash rate determined by the Reserve Bank.

Principal & Interest

The repayments you make will require you to pay off a portion of the principal as well as paying interest charges. This enables your loan to be paid off during its loan term.

Interest only

During the interest only+ period, you are only required (as a minimum) to pay the interest. When the interest only+ period ends, your repayments will increase to ensure the loan is paid off during the remaining loan term.

Home Loan Packages

Having multiple accounts with different banks can get messy and complicated when making repayments. A home loan package allows you to combine your eligible home loan, Everyday Options transaction account and other products into a single package to make life simper for you.

Home Loan Experts

Suncorp’s team of home loan experts are your own dedicated home loan specialists. They provide one point of contact throughout, keeping you up to date every step of the way. They are available 7 days a week and will meet at a time and place that suits you. In some cases, our lenders can even approve your new home loan on the spot.

More about Home Loan Experts

Lenders Mortgage Insurance (LMI)

If you are borrowing more than 80% of the banks determined property value, you will be required to pay LMI.

LMI protects Suncorp Bank against loss in the event of a forced sale of a mortgage property. It does not insure you but may make it possible for you to buy a home with a smaller deposit. You will still be responsible for all amounts owing in relation to your loan.

Read our LMI fact sheet

Loan Value Ratio (LVR)

Your LVR measures the amount of the loan, compared to the bank's determined value of the property. Say you want to buy a house for $500,000 and you have saved up $50,000 as a deposit. Your initial LVR would be 90%: (450,000 / 500,000 = 90%).

Read the full home loan glossary

Make your next home loan move with confidence

What can I expect?

Whether you want to get pre-approval, a new loan or refinance your existing loan with Suncorp, you can apply quickly online. We’ll reply within two hours or by the next business day.

Save time, get started online

Are you buying a home or looking to refinance?
You can apply online in as little as 20 minutes.

What can I expect?

100% obligation free advice

Our experienced home lending team are happy to answer all your lending questions. They’ll call you within two hours (or next business day) to discuss your home lending needs. 

If you’d like to speak to someone straightaway, please call 13 11 55 Mon-Fri 8am-7pm and Sat-Sun 9am-2pm (AEST)

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.

# COMPARISON RATE:
A comparison rate is a rate that indicates the true cost of a loan. This comparison rate is based on $150,000 over a term of 25 years and incorporates certain fees and charges that are applicable for the chosen product.

WARNING: This comparison rate applies 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 Investment loans taken out as part of the Better Together Special Offer >= $150,000 and borrowings <= 60% 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 6.43% p.a.) is calculated by subtracting a discount of 2.64% from the Standard Back to Basics Variable Rate (currently 9.07% p.a.). 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. The discounted rate is available on eligible loans applied for from 9 February 2024.

++Discounted rate is only available for new Investment loans taken out as part of the Home Package Plus Special Offer >= $150,000 and borrowings <= 60% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 6.53% p.a.) is calculated by subtracting a discount of 3.17% from the Standard Variable Rate (currently 9.70% p.a.). The discounted rate is only applicable to the Standard Variable loan while the loan remains in a Home Package Plus. Rates and discounts are subject to change. Pre-approvals excluded. The discounted rate is available on eligible loans applied for from 9 February 2024.

^^Discounted rate is only available for new Investment loans taken out as part of the Home Package Plus Special Offer >= $150,000 and borrowings <= 80% of the security property value (LVR) inclusive of lender’s mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 6.57% p.a.) is calculated by subtracting a discount of 0.45% p.a. from the Standard 3 Year Fixed Rate (currently 7.02% 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 9.70% p.a.) less the Home Package Plus discount (currently 3.16% 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 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 discounted special offer rate is available on eligible loans applied for from 9 February 2024.

##Home Package Plus Annual Fee

$375 annual package fee will be charged and reimbursed while package is active. Savings based on 30-year loan term. Offer subject to change.

Banking and home loans 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.

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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.

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

Lenders Mortgage Insurance

If you are borrowing more than 80% of the value of the property, you will be required to pay Lenders Mortgage Insurance. This is a one-off payment and can be financed into the loan.

Lenders Mortgage Insurance protects Suncorp Bank against loss in the event of a forced sale of a mortgage property. It does not insure you but may make it possible for you to buy a home with a smaller deposit. You will still be responsible for all amounts owing in relation to your loan.

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