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Home Package Plus

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

Current Offers

Owner Occupied Rates

+

Discounted Standard Variable Rate in Home Package Plus
New to bank lending >= $150,000 
Maximum LVR 90%
Principal and Interest repayments 

Investor Rates

++

Discounted Standard Variable Rate in Home Package Plus
New to bank lending >= $150,000
Maximum LVR 90%
Principal and Interest repayments 

How it works

Step 2

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

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

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.

Our Special Offers, Package and Standard rates explained

Special Offer: For customers with eligible new home lending over $150,000
First Home Buyer Special Offer: For Owner Occupier first home buyers who have never previously purchased a property with eligible new Home Lending of over $150,000
Home Package Plus: For customer with eligible home lending over $150,000, which can be a combination of existing and new lending
Standard Interest Rate: For customers without a package and minimum lending requirement is only $10,000

Interest rates quoted below are inclusive of a discount margin which is deducted from the Standard Interest Rate`

Interest Rates

Fees

Special offers on fees

For New Home Package Plus customers: We will waive the annual package fee for the first year saving you $375∇!

For First Home Buyers: We're waiving the $375 annual Home Package Plus fee for the life of the loan

- a potential saving of up to $11,250 over a 30 year loan term∇∇.

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 

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.

Try out our repayment calculator today

Contact us to find out more

Book a visit with one of our friendly lenders

Compare Home Loans

+ Advertised discounted rate valid from 14 September 2018, is subject to change without notice and may be withdrawn at any time. Offer available for new Personal/Owner Occupied loans >= $150,000 where borrowings <= 90% of the security property value (“LVR”) inclusive of lenders mortgage insurance (where applicable). Disclosed Interest Rate is based on Principal and Interest, Standard Variable (currently variable interest rate of 5.77% p.a.) less package net discount of -1.78% p.a. A discount is applied for as long as the loan remains part of the Home Package Plus. Rate and discount may be varied if the loan purpose or repayment type is changed. Pre-approvals excluded.

++ Advertised discounted rate valid from 14 September 2018, is subject to change without notice and may be withdrawn at any time. Offer available for new Investment >= $150,000 where borrowings <= 90% of the security property value (“LVR”) inclusive of lenders mortgage insurance (where applicable). Disclosed Interest Rate is based on Principal and Interest, Standard Variable (currently variable interest rate of 6.24% p.a.) less package net discount of -1.95% p.a. A discount is applied for as long as the loan remains part of the Home Package Plus. Rate and discount may be varied if the loan purpose or repayment type is changed. Pre-approvals excluded. 

The Home Package Plus (HPP) Discounts are applied for as long as the home loan remains part of the Home Package Plus. Interest rates and discounts are subject to change without notice. Discount margins may be withdrawn at any time before a contract is entered into. Discounts are applied to the applicable Standard Interest Rate at the day of Settlement.

Loan to Value Ratio ("LVR") limits are inclusive of Lenders Mortgage Insurance (LMI) where applicable. A repayment type of interest only is available on loans with an LVR limit <90%. At the expiry of the interest only period, the rate will convert to the applicable Principal & Interest Rate plus or minus any applicable margins specified in your credit contract.

^ 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. 

∇ Offer valid from 27/03/2017 until withdrawn. The first annual package fee is waived for new Home Package Plus customers with new lending of at least $150,000. The annual package fee of $375 is charged and refunded to the loan. Offer is subject to change without notice and may be withdrawn at any time before a credit contract is entered into.

∇ ∇Annual package fee waiver applies to owner-occupied first home buyers (i.e. have never purchased a property) who take out a Home Package Plus with a new Standard Variable Rate or 5 Year Fixed Rate loan of at least $150,000. 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.  

` For a full list of rates with discount margins displayed, please view our Home Lending Interest Rate Guide.

# Each comparison rate is based on $150,000 over 25 years. WARNING: 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. Comparison rates for Interest Only Variable home loans are based on an initial 5 year Interest Only period.

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 and the 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.