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Home Package Plus

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

Current Offers

Owner Occupied Rates

Variable Rate

+

Discounted Standard Variable Rate in Home Package Plus. Owner Occupied. New to bank lending ≥ $150,000. Maximum LVR 60%. Principal and Interest repayments.

Investor Rates

Variable Rate

++

Discounted Standard Variable Rate in Home Package Plus. Investment. New to bank lending ≥ $150,000. Maximum LVR 60%. Principal and Interest repayments.

How it works

Step 1

Choose from eligible Home Loans:

Standard Variable Rate

Fixed Rate

Compare our home loans

Step 2

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

        LIMITED TIME OFFER        

Save up to $11,250!##

Pay no annual fee for the life of the loan if you take out a new Home Package
Plus home loan of $150k+.
That’s a saving of $11,250 over a 30 year loan.##
Find out more

Available to eligible new home loan packages more than $150k.

        LIMITED TIME OFFER        

Save up to $11,250!##

Pay no annual fee for the life of the loan if you take out a new Home Package
Plus home loan of $150k+.
That’s a saving of $11,250 over a 30 year loan.##
Find out more

Available to eligible new home loan packages more than $150k.

optional

Save with offers on other financial product and services

Eligible Credit Cards2

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.

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

Description

  Fee

Home Package Plus Fee

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

LIMITED TIME OFFER. Pay no annual fee for the life of the loan on an eligible new home loan package of ≥$150K. That’s a saving of up to $11,250.##

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

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.

Home loan repayment calculator

Stamp duty calculator

Home loan borrowing capacity calculator

What you could save by switching to Suncorp

Make your next home loan 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. We’ll reply within two hours or by the next business day.

Save time, get started online

Are you buying a home or looking to refinance?
You can apply online in as little as 20 minutes.

What can I expect?

100% obligation free advice

Our experienced home lending team are happy to answer all your lending questions. They’ll call you within two hours (or next business day) to discuss your home lending needs. 

If you’d like to speak to someone straightaway, please call 13 11 55 Mon-Fri 8am-7pm and Sat-Sun 9am-2pm (AEST)

# COMPARISON RATE:
A comparison rate is a rate that indicates the true cost of a loan. This comparison rate is based on $150,000 over a term of 25 years and incorporates certain fees and charges that are applicable for the chosen product.

WARNING: This comparison rate applies 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 <= 60% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 6.24% p.a.) is calculated by subtracting a discount of 2.99% from the Standard Variable Rate (currently 9.23% p.a.). The discounted rate is only applicable to the Standard Variable loan while the loan remains in a Home Package Plus. Rates and discounts are subject to change. Pre-approvals excluded. The discounted rate is available on eligible loans applied for from 19 January 2024.

++Discounted rate is only available for new Investment loans taken out as part of the Home Package Plus Special Offer >= $150,000 and borrowings <= 60% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 6.53% p.a.) is calculated by subtracting a discount of 3.17% from the Standard Variable Rate (currently 9.70% p.a.). The discounted rate is only applicable to the Standard Variable loan while the loan remains in a Home Package Plus. Rates and discounts are subject to change. Pre-approvals excluded. The discounted rate is available on eligible loans applied for from 9 February 2024.

##Home Package Plus Annual Fee

$375 annual package fee will be charged and reimbursed while package is active. Savings based on 30-year loan term. Offer subject to change.

^ 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 and home loans 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.

2 Suncorp Clear Options Credit Card

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Suncorp Clear Options Credit Cards. Suncorp-Metway Ltd (ABN 66 010 831 722) (“Suncorp Bank”) promotes and distributes Suncorp Clear Options Credit Cards on NAB's behalf under an agreement with NAB. NAB has acquired the business relating to this credit from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the Credit Cards. Suncorp Bank will not guarantee or otherwise support NAB's obligations under the contracts or agreements connected with the Credit Cards (other than those relating to Suncorp Internet Banking and Suncorp Telephone Banking).

Suncorp Clear Options Credit Card annual card fee waiver applies to personal Suncorp Clear Options Credit Cards only. The Suncorp Clear Options Credit Card may only be issued to approved applicants who meet the Product eligibility criteria and serviceability requirements. Up to four (4) Suncorp Clear Options Credit Cards can be included in a Package and (1) one per borrower. Actual credit limit and approval is subject to NAB's Credit Criteria. Available on application via Suncorp staff assisted channel only. 

If you take a new Suncorp Clear Options Credit Card as part of the Home Package Plus the annual card fee is waived as long as the Home Package Plus conditions continue to be met. Terms, conditions and other fees and charges apply. Please refer to the Home Package Plus terms & conditions booklet for more information.  Introductory credit card offers are not available in conjunction with a Home Package Plus package or any other offer. Should you choose to take up an introductory offer an Annual Card fee will apply.

* $375 annual package fee will be charged and refunded while the package is active. Savings based on 30-year loan term. Offer subject to change at any time.

 

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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

What is a 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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