Get the most from your Suncorp Home Loan
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.
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.
Maintaining your home
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.
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.
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