Lock in your interest rate and repayment amount
Home Loans
Back to Basics
Our lowest variable rate
Owner Occupied rate
Discounted Back to Basics Variable Rate with Better Together Special Offer. Owner Occupied. New to bank lending ≥ $150,000. Maximum LVR 60%. Principal and Interest repayments.
Investor rate
Discounted Back to Basics Variable Rate with Better Together Special Offer. Investment. New to bank lending >= $150,000. Maximum LVR 60%. Principal and Interest Repayments.
Optional 100% offset account
Redraw cashback facility
Make unlimited additional repayments anytime
A lower variable interest rate over the life of the loan than our Standard Variable Rate Home Loan
No loan establishment fee on new loans over $150,000, no monthly account keeping fee and no annual fee
Standard Variable
100% mortgage offset facility
Owner Occupied 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 rate
Discounted Standard Variable Rate in Home Package Plus. Investment. New to bank lending ≥ $150,000. Maximum LVR 60%. Principal and Interest repayments.
Optional 100% offset account
Redraw cashback facility
Make unlimited additional repayments anytime
Fixed Rate
Fixed interest rate & repayments
Owner Occupied rate
Discounted 3 Year Fixed Rate in Home Package Plus (HPP). Owner Occupied. New to bank lending in the HPP >= $150,000. Maximum LVR 80%. Principal and Interest repayments.
Investor rate
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Discounted 3 Year Fixed Rate in Home Package Plus (HPP). Investment. New to bank lending in the HPP >= $150,000. Maximum LVR 80%. Principal and Interest repayments.
Optional 100% offset account during fixed rate period
Redraw cashback facility during fixed rate period
Make additional repayments up to $500 per month during the fixed rate period without incurring an Early Payment Interest Adjustment
# 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.
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.
*Discounted rate is only available for new Personal/Owner Occupied loans taken out as part of the Better Together 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 and who hold a Suncorp Bank transaction account. The discounted rate (currently 6.13% p.a.) is calculated by subtracting a discount of 2.52% from the Standard Back to Basics Variable Rate (currently 8.65% p.a.). Rates and discounts are subject to change and may be varied if the loan purpose or repayment type is changed or where the borrower fails to hold a Suncorp Bank transaction account. Pre-approvals excluded. The discounted rate is available on eligible loans applied for from 24 April 2024.
+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 6.19% p.a.) is calculated by subtracting a discount of 3.04% 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 24 April 2024.
^Discounted rate is only available for Personal/Owner Occupied loans taken out as part of the Home Package Plus >= $150,000 and borrowings <= 80% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), Principal and Interest repayments. The discounted rate (currently 6.49% p.a.) is calculated by subtracting a discount of 0.45% p.a. from the Standard 3 Year Fixed Rate (currently 6.94% p.a.). At the expiry of the 3 Year Fixed Rate Term, the loan will revert to the applicable Standard Variable Rate advertised at the time (currently 9.23% p.a.) less the Home Package Plus discount (currently 2.98% p.a.). The discounted rate is only applicable to the 3 Year Fixed Rate loan while the loan remains in a Home Package Plus. Rates and discounts are subject to change. The Standard 3 Year Fixed Rate applicable on the day of settlement of the loan will be used to calculate the applicable discounted fixed rate unless the rate has been secured by paying a Guaranteed Rate Fee, which must be selected at time of loan application. Pre-approvals excluded. The discounted rate is available on eligible loans applied for from 24 April 2024.
** Discounted rate is only available for new Investment loans taken out as part of the Better Together 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 and who hold a Suncorp Bank transaction account. The discounted rate (currently 6.43% p.a.) is calculated by subtracting a discount of 2.64% from the Standard Back to Basics Variable Rate (currently 9.07% p.a.). Rates and discounts are subject to change and may be varied if the loan purpose or repayment type is changed or where the borrower fails to hold a Suncorp Bank transaction account. Pre-approvals excluded. The discounted rate is available on eligible loans applied for from 9 February 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.
^^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 lender’s mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 6.57% p.a.) is calculated by subtracting a discount of 0.45% p.a. from the Standard 3 Year Fixed Rate (currently 7.02% p.a.). At the expiry of the 3 Year Fixed Rate Term, the loan will revert to the applicable Standard Variable Rate advertised at the time (currently 9.70% p.a.) less the Home Package Plus discount (currently 3.16% p.a.). The discounted special offer rate is only applicable to the 3 Year Fixed Rate loan while the loan remains in the Home Package Plus. The Standard 3 Year Fixed Rate applicable on the day of settlement of the loan will be used to calculate the applicable discounted fixed rate unless the rate has been secured by paying a Guaranteed Rate Fee, which must be selected at time of loan application. Pre-approvals excluded. The discounted special offer rate is available on eligible loans applied for from 9 February 2024.
Fixed Rate
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.