Applying is simple, get started online
Normal waiting periods may be impacted due to COVID19, however, we will always aim to get back to you as soon as possible.
Your financial situation may have changed have changed since you took out your first home loan
What makes us a great choice?
Money magazine Bank of the Year 2018, 2019, 2020 & 2021.
Security is top priority
We’re committed to protecting your personal information and providing you a safe banking environment.
One point of contact throughout your home loan journey, keeping you up to date every step of the way.
If you’d like to speak to someone straightaway, please call 13 11 55 Mon-Fri 8am-6pm (AEST)
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. Your dedicated lender will review your application and reach out to you in the next business day to discuss your options and answer any questions you have.
*Discounted rate is only available for new Personal/Owner Occupied loans taken out as part of the Better Together Special Offer >= $150,000 and borrowings <= 80% 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 2.44% p.a.) is calculated by subtracting a discount of 1.96% from the Standard Back to Basics Variable Rate (currently 4.40% p.a.). The discounted rate is available on eligible loans applied for from 31 August 2021. 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.
+ Discounted rate is only available for new Personal/Owner Occupied 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 lenders mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 2.54% p.a.) is calculated by subtracting a discount of 2.44% from the Standard, Standard Variable Rate (currently 4.98% p.a.). The discounted rate is only applicable to the Standard Variable loan while the loan remains in a Home Package Plus. The discounted rate is available on eligible loans applied for from 31 August 2021. Rates and discounts are subject to change. Pre-approvals excluded.
^ The discounted rate (currently 1.89% p.a.) is calculated by subtracting a discount of 0.45% from the Standard 2 Year Fixed Rate (currently 2.34% p.a.) and only applicable while the loan remains in the Home Package Plus. At expiry of the 2 Year Fixed Rate Term, the loan will revert to the applicable Standard Variable Rate advertised at the time (currently 4.98% p.a.) less the Home Package Plus discount (currently 2.44% p.a.). LVR means Loan to Value Ratio, stated above & inclusive of Lenders Mortgage Insurance (LMI). Refinance of existing Suncorp Bank loans and pre-approvals are excluded. The Standard 2 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. Current standard fixed rates and discounts are subject to change without notice. This limited time offer is valid from 19 August 2021 and Suncorp Bank reserves the right to vary or withdraw this offer at any time. Please refer to the Home Package Plus Terms and Conditions booklet for full Terms and Conditions of the Package.
^^ Correct as at May 23, 2019. The Reward and Recognition program ("Suncorp Benefits") is being operated by Loyalty Corp Australia Services Pty Ltd ABN 39 615 958 873. To be eligible for Suncorp Benefits you must hold a current eligible personal policy or service with Suncorp or an eligible personal product or service from one of the brands in the Suncorp Network. Full Terms and Conditions are available here. Eligibility criteria and limits apply
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, 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.
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.
A rate that is variable and is subject to change over the loan term.
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.