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Refinancing Your Home Loan with Suncorp Bank

If you're looking to renovate or upsize, or just want to get more from your mortgage, we can help you find a home loan that works harder.

Or call us 13 11 55 Mon - Fri 8am - 7pm

Choosing the right home loan could save you thousands

If you've had the same home loan for years, it could be time to refinance. Shopping around for a new deal lets you find the best loan for you, potentially saving you thousands. Suncorp Bank offers handy features across a great range of loans.

See what you could save

Enter your current loan details

Your minimum repayments

Sorry, an error occured while retrieving your savings.

Please contact Suncorp to see how you can save.

You could save up to $...

Over your remaining loan term with Suncorp's ... Home Loan


What you get with our ... Home Loan

No monthly account keeping fee.
No Loan Establishment Fee on new lending of $150,000 or more.
Make additional repayments anytime.
Receive one free online redraw per calendar month.

$10 account keeping fee.
One-off loan establishment and offset fee.
100% Home Loan Offset facility.
Make additional repayments anytime.
Receive one free online redraw per calendar month.

$10 monthly account keeping fee.
One-off loan establishment fee.
Option to lock in a rate at time of application.
Make additional repayments up to $500/month without penalty.

$10 monthly account keeping fee.
One-off loan establishment fee.
Interest is only paid on the amount drawn.
Make deposits any time.
Withdraw funds up to your approved credit limit when you need it.

No monthly account keeping fee.
No Loan Establishment Fee on new lending of $150,000 or more.
Make additional repayments anytime.
Receive one free online redraw per calendar month.
Combined with a fee free Everyday Basics Bank Account.

No monthly account keeping, loan establishment & mortgage offset fee as part of Home Package Plus.
100% Home Loan Offset facility.
Make additional repayments anytime.
Receive one free online redraw per calendar month.

No monthly account keeping & loan establishment fee as part of Home Package Plus.
Option to lock in a rate at time of application.
Make additional repayments up to $500/month without penalty.

No monthly account keeping & establishment fee as part of Home Package Plus.
Interest is only paid on the amount drawn.
Make deposits any time.
Withdraw funds up to your approved credit limit when you need it.

Thanks for comparing your home loan with Suncorp


Unfortunately, we cannot offer this rate for a loan under $150,000.

If the home loan details you've entered are accurate, our calculator indicates that you might be better off staying put. It pays to be thorough though, because even a small difference can save you big bucks in the long-term. So, ensure you're getting the best deal possible by speaking to an experienced Home Loan Specialist.

If you're an investor with interest only repayments, then our calculator may not provide you with the level of detail you're after. If that's the case, it might be best to speak to a real person.

Our Home Loan Specialists are always happy to help. Give us a call on 13 11 55 and we'll make sure you're getting the most out of your home loan.

Don't have time to chat right now? Simply fill in our Home Loan Enquiry Form and we'll get back to you within 48 hours. 

Thanks for comparing your home loan with Suncorp


It appears as if you're already on a competitive rate.

If the home loan details you've entered are accurate, our calculator indicates that you might be better off staying put. It pays to be thorough though, because even a small difference can save you big bucks in the long-term. So, ensure you're getting the best deal possible by speaking to an experienced Home Loan Specialist.

If you're an investor with interest only repayments, then our calculator may not provide you with the level of detail you're after. If that's the case, it might be best to speak to a real person.

Our Home Loan Specialists are always happy to help. Give us a call on 13 11 55 and we'll make sure you're getting the most out of your home loan.

Don't have time to chat right now? Simply fill in our Home Loan Enquiry Form and we'll get back to you within 48 hours. 

Thanks for comparing your home loan with Suncorp


Sorry, our minimum borrowing amount for a home loan is $10,000.

If the home loan details you've entered are accurate, our calculator indicates that you might be better off staying put. However if you’d like to ensure you're getting the best deal possible, you can speak to an experienced Home Loan Specialist for more information.

Give us a call on 13 11 55 and we'll make sure you're getting the most out of your home loan.

If you don't have time to chat right now, simply fill in our Home Loan Enquiry Form and we'll get back to you within 48 hours. 

Sound good? Book an appointment or call 13 11 55 Mon-Fri 8am-7pm

 

Flexible loans to suit your needs

Our range of home loans let you:

  • Split your borrowed amount across a fixed and variable rate loan
  • Reduce your interest payable with an offset account, if you have a Standard Variable Loan
  • Access a line of credit, or redraw facility if you have a variable rate loan
  • Reduce your interest payable by making unlimited additional repayments on variable loans
  • Change the frequency of your repayments

A range of features and benefits

We offer:

  • A great range of home loans
  • Personalised service
  • Expert lenders that can come to you
  • Special offers on other Suncorp branded products
  • A trusted reputation dating back to 1902
  • Support for the communities in which we operate
  • Our banking app with the award-winning BillSplitter

Compare our home loans

Calculate your repayments

We make switching easy

Get in touch today and one of our home loan specialists will call you back within 1 business day to chat about your needs. Once we have your info, you should receive an approval outcome within a couple of days.

Request a call back

Things to consider when refinancing

Suncorp Store Manager Amber Nijenhuis explains refinancing your home loan, how to calculate your savings and what the process is to apply to refinance.

Dissatisfied with your current interest rate?

Try out our repayment calculator today

Contact us to find out more

Book a visit with one of our friendly lenders

Potential savings are calculated using the information you have provided. Please note that the savings displaying are indicative only and do not represent the Bank making an offer of credit.

All calculations assume that the interest rate and loan term will remain unchanged and you will make principal and interest repayments for the remaining loan term. Each calendar year has the following periods – 12 months, 26 fortnights and 52 weeks. No fees or charges have been factored into the above interest saving calculation. Please refer to Lending Fees and Charges for all applicable fees.

If you have supplied your current interest rate, then total interest over the life of the loan is calculated by applying your interest rate to the amount still owing on your loan over the remaining loan term.

If you have supplied your minimum repayment amount, then total interest over the life of the loan is calculated by subtracting the amount still owing on your loan from the total of all payments made in the remaining loan term.

Potential interest savings are calculated by comparing the information you have provided to the above variable or fixed interest rates.

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 P&I interest rate plus or minus any applicable margins specified in your credit contract.

# 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 for Suncorp Bank Personal Deposit Accounts and the Terms and Conditions for Suncorp Accounts before making a decision regarding a Suncorp Bank transaction account. Fees, charges, terms and conditions apply and are available on request or at suncorp.com.au/banking/help-support/documents-forms.

© Copyright Suncorp-Metway Ltd ABN 66 010 831 722 AFSL No 229882 Australian Credit Licence 229882 ("Suncorp Bank"). Registered office: Level 28, 266 George Street, Brisbane Qld 4000. In accessing Suncorp's site you agree to our Online Terms & Privacy Statement. Please ensure that you read these before accessing the site. Products and services including banking, superannuation and insurance (including life insurance, home and car insurance) are provided by separate companies in the Suncorp Group. Suncorp Bank is only liable for the banking products or services it provides and not the products and services of the other companies in the Suncorp Group.

Making repayments

For fixed loans, you can make repayments of up to $500 per month without penalty (find out more about EPIA)

Variable rate

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

Fixed rate

Lock in your interest rate and repayment amount

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.

Redraw

Access extra payments you've made on your home loan using our loan Cashback feature. You will need to apply for this.