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Manage your home loan & property
Managing your home loan, insurance, and renovations takes time and consideration. We can help make maintaining your home less overwhelming by arming you with helpful information, tools, and services.
Or call us 13 11 55 Mon - Fri 8.30am - 8pm
Get the most from your Suncorp Home Loan
Cashback could allow you to redraw funds from your extra repayments, giving you more freedom. Available by application and subject to conditions specified in the contract.
Use the balance from a savings account to offset against the remaining balance of your home loan. Talk to us about how to take advantage of this way to save.
With a Suncorp Bank 'Add' loan you can utilise your existing home loan to access additional funds. An Add loan makes things like renovations or buying a new car more achievable. These are subject to credit criteria.
Talk to us today on 13 11 55 or enquire online so we can help find the best option for you. We'll try our best to help you find the right loan.
Paying off your home loan sooner
Manage your home loan through extra repayments. For Fixed Rate Home Loans additional repayments of up to a maximum of $500 are permitted in excess of your monthly repayment. After this, an Early Payment Interest Adjustment Fee or EPIA will apply.
Choose to 'split' your Home Loan with a portion of your loan on a fixed interest rate, while the rest of your loan is set at a standard variable interest rate. Plus, choose how you’d like to split the loan (e.g. 75% fixed & 25% variable).
If you've fixed all or part of your home loan for a period and that term is about to expire, then it's a great time to think about your next move with your home loan. You might be interested in fixing your home loan again, or even changing the amounts on the fixed rate portion and the variable portion. Talk to us today on 13 11 55 or enquire online to find out more.
With Suncorp Bank’s Internet Banking and mobile app, managing your Home Loan repayments is simple. You can customise how you set up your repayments to help you plan your budgeting for each fortnight, month or year.
Helpful offers for your home
As a Suncorp customer, we’d love for you to take advantage of our other products that could support you with your home, contents and other assets.
Home & contents insurance
If you've recently purchased a new home, you'll want to look at Home and Contents Insurance. Recognised by Canstar for offering Outstanding Value, Suncorp Insurance's Home and Content insurance options give you flexibility and protection for your home and its contents. Get a quote online today or compare your policy options.
Find out more about our Home & Contents insurance
Life & Income insurance
How would your family cope financially if you or your partner were to die or become severely injured? Life Insurance policies protect your income and support your family.
Managing your insurance
You can easily manage your Suncorp Insurance policies online.
Maintaining your home
Thinking about renovating but unsure who's right for the job? We have teamed up with some leading Australian companies to make this process easier.
Frequently asked questions
Additional repayments can be made to your Standard Variable or Back to Basics Home Loan at any time. For Fixed Rate Home Loans additional repayments of up to a maximum of $500 are permitted in excess of your monthly repayment, where after an Early Payment Interest Adjustment Fee or EPIA will apply. EPIA can be costly. For more information view the EPIA brochure or visit your local store.
You can see the amount you repay each period (weekly, fortnightly or monthly) for your home loan in Internet Banking. To see your home loan repayments, simply log in to Internet Banking, and click on your loan number on the main Internet Banking page. to reveal more information about your loan. You will be able to see what your next repayment is, when it is due, and whether you are in advance with your payments.
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If you have an existing Suncorp Bank Home or Personal Loan, your interest rate will be on your statement, and can be found by clicking on the account number in Internet Banking.
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If you have a Standard Variable home loan with us you're eligible to set your Everyday Options account in offset mode.
By setting your Everyday Options account to offset mode you may be able to save on your home loan repayments by using the combined balance in your Everyday Options accounts and any Sub-accounts as a 100% offset facility. This will reduce the interest payable on your linked Standard Variable home loan.
How it works? Instead of getting paid interest on your savings, the total amount of money in your Everyday Options account (minus any flexiRates you may have set up) is subtracted from your home loan amount and the difference is what's used to calculate your home loan interest repayments. Put simply, the more money you're able to save, the less interest you'll end up paying on your home loan.
Note: A Mortgage Offset Fee applies to link the eligible Standard Variable home loan to the Everyday Options account set in 100% offset mode. This fee is waived for Home Package Plus customers. For a complete guide to the fees and charges on our home loans, read our Lending Fees and Charges brochure.
Need more information? Visit the Offset page or call 13 11 55 to speak to a consultant about arranging to get your Everyday Options account in offset mode.
Our Cashback* feature lets you redraw funds that you've paid in advance of your normal scheduled home loan repayments. By making these additional payments to your variable loan you are paying off your home loan sooner, but you can still redraw this excess money at any time, for example for school and university expenses, a holiday, renovation, or any other purpose.
This feature is available on Suncorp Bank Standard Variable and Back to Basics home loans.
Accessing Cashback is easy and can be done:
- online through internet banking (account holders must be registered for Cashback and internet banking); or
- by completing and returning a Cashback Withdrawal Request Form. Simply download the form, compete and return the form to your nearest branch, or mail it to us.
A minimum Cashback withdrawal amount of $1,000 applies and Cashback fees may apply. For a complete guide to the fees and charges on our home loans, read our Lending Fees and Charges brochure.*
*You need to apply for Cashback, which is available subject to conditions.
