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Splitting my home loan

To 'split' your loan means that you can choose to divide your borrowings anyway you want, securing a portion of your choosing as 'fixed' and a portion as 'variable'.

This can give you the benefits of the features on both home loan products.

Fixed Rate: Gives you the security of limiting your exposure to rate rises, and what interest rate your repayments are set at during the Fixed Rate term.

Variable Rate: Gives you access to unlimited additional repayments while also giving you the flexibility to withdraw these funds using cashback1, and the option of a 100% Offset capability2.

The loans can be split anyway, as long as one loan has a minimum amount of $10,000. Split the loan any way you like, 75% fixed, 25% variable or 40% fixed, 60% variable - the choice is yours.

This feature is available on all Suncorp Bank Home Loans and can be split at no additional cost under the Home Package Plus.

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)

1 You need to apply for Cashback which is available subject to conditions specified in the contract. Please read those conditions carefully. Available Cashback may exclude any recent cheque, direct debit or pay at post payments and external transfers cannot be performed using online Cashback. For some transactions, a Cashback fee may be charged.

2 A Mortgage Offset facility can be established by linking your Everyday Options account to the Standard Variable home loan account and having it in offset mode, a Mortgage Offset Fee may apply to link the 100% Home Loan Offset facility to your home loan, which is waivered under the Home Package Plus. The Mortgage Offset fee is charged to your linked loan account.

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 Lending Fees and Charges and the 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.

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