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Home Package Plus

Save with our fully featured Home Package Plus. A package that combines your eligible home loan, Everyday Options transaction account and other Suncorp products in a single package for a low annual fee. 

How it works

Step 1

Choose from eligible Home Loans:

Standard Variable Rate

Fixed Rate

Step 2

Combine borrowings of $150,000 or more with an Everyday Options bank account to get a discounted interest rate on the loan and pay $0 loan establishment fee.

optional

Save with offers on other financial product and services

Home, Landlord and/or Contents Insurance

Receive a discount of up to 20% off the first year’s annual premium on new to Suncorp Home, Landlord and/or Contents insurance policies

More info: Home, Landlord and/or Contents Insurance

Motor Insurance

Receive a discount of up to 10% off the first year’s annual premium on new to Suncorp Motor insurance policies

More info: Motor Insurance

Eligible Credit Cards

Pay no Annual Card fee on new Suncorp Bank Platinum, Gold or Standard Credit Cards.

More info: Credit Cards

Please note, introductory credit card offers are not available in conjunction with a Home Package Plus package. Should you choose to take up an introductory offer an Annual Card fee will apply.

Eligible Personal Loan

Pay no Establishment Fee or Monthly Account Keeping Fees.
0.50% p.a. margin off new Suncorp Bank Personal Loan rates.

More info: Personal Loans

Share Trading

Access to Discounted Brokerage Fees 

More info: Suncorp Share Trade.

Please refer to the Home Package Plus Terms and Conditions booklet for the full terms and conditions.

Interest Rates

All the interest rates noted below are inclusive of the interest rate discount. The Standard Interest Rate can be located on the Home Lending Interest Rate Guide or at our Interest Rate Page.

Fees

Special offers on fees

For New Home Package Plus customers – Annual fee refund We will refund the annual package fee for the first year saving you $375!

For First Home Buyers – No ongoing fee for the life of the loan∇∇: We'll refund the annual $375 Home Package Plus fee for the life of the loan saving you up to $11,250 over a 30 year loan.

Description

  Fee

Home Package Plus Fee

$375 annually for Standard Variable Home Loans included in the Home Package Plus

Account Keeping Fee

$10 per month

$0 where loan included in Home Package Plus

   $10 per month

   $0 where loan included in Home Package Plus

   $10 per month

   $0 where loan included in Home Package Plus

   $10 per month

   $0 where loan included in Home Package Plus

Loan Establishment Fee

$600 for loans < 90% LVR

$990 for loans >= 90% LVR

$0 where loan included in Home Package Plus 

Lenders Mortgage Insurance (LMI)

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.

Amount determined at application on loans > 80% LVR

Mortgage Offset Fee

$75 one-off
$0 where loan included in Home Package Plus

Apply for Home Loan Pre-Approval

Find out how much you may be able to borrow so you can make an offer on a property with more confidence.

Home loan calculators

Get a clear understanding of what you could borrow & afford. Plus, if you’re looking to switch to Suncorp Bank, see what you could be saving on your loan.

Make your next 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. 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.

Save time, get started online

Are you buying a home or looking to refinance?
You can apply online in around 10 minutes.

What can I expect?

100% obligation free advice

Our experienced home lending team are happy to answer all your questions. They'll call you within 24 hours to discuss your home lending needs.

For all queries about existing Suncorp Home Loans call 13 11 55 Mon-Fri 8am-6pm (AEST)

# 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.

+ 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 2.79% p.a.) is calculated by subtracting a discount of 2.19% 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 3 September 2020. Rates and discounts are subject to change. Pre-approvals excluded.

++ 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 lenders mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 3.14% p.a.) is calculated by subtracting a discount of 2.31% from the Standard, Standard Variable Rate (currently 5.45% 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 3 September 2020. Rates and discounts are subject to change. Pre-approvals excluded.

∇ ∇ Applicable for Owner Occupied First Home Buyers who have never previously purchased a property. All applicants for the loan must be first home buyers and take out an Eligible Home Loan with Suncorp Bank. An eligible home loan is new home lending in the Home Package Plus of $150,000 or more. The annual package fee of $375 will be charged and refunded for the life of the loan, expiring only if the loan is closed or varied out of the product or package. Offer valid from 12/09/2017 and is subject to change without notice and may be withdrawn at any time before a credit contract is entered into.

^ The standard Fixed Rate offered on the day of settlement of the loan will apply unless the rate is secured by paying a Guaranteed Rate Fee. At expiry of the fixed rate period, the rate will revert to the applicable Standard Variable Interest Rate less any applicable margin discount specified in your credit contract. The Interest Only period on a Fixed Rate must equal the Fixed Rate term.

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.

Lenders Mortgage Insurance (LMI)

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.

Fixed Rate

Lock in your interest rate and repayment amount

Variable Rate

A rate that is variable and is subject to change over the loan term.

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.

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