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.
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.
Option to lock in a rate at the time of application
As Fixed Rates are determined at settlement of your loan, our Guaranteed Rate Fee removes this uncertainty by fixing the rate at application for up to 90 days to protect you from unforeseen increases before loan settlement
Set your rate for an initial term of 1, 2, 3, or 5 years (view interest rates) and know your interest rate payable won't increase. After the fixed rate period, your loan will roll to a variable rate or can be re-fixed. You have the option to lock in the fixed rate on application.
Link your home loan in the Home Package Plus (together with an Everyday Options Account) and save on interest and fees.
LIMITED TIME OFFER
Available to eligible new home loan packages more than $150k.
LIMITED TIME OFFER
Available to eligible new home loan packages more than $150k.
Once your loan has been submitted online, you will hear from your dedicated lender. We’ll reply within two hours or by the next business day to confirm the details provided and answer any questions you may have.
You can get pre-approval within 1 business day, providing everything in your online application checks out and there is nothing further to review. Alternatively, your lender may contact you for more information so we can progress you to the next stage. It is obligation-free and you can apply online more than once.
We will ensure everything is correct in your loan application and do a valuation of the property if applicable or required (which can vary depending on individual circumstances). Conditional approval can be issued while the valuation is in process.
Providing steps 1 to 3 are successful, you can get final approval in about 1 week.
Package your Fixed Rate or Standard Variable Rate home loan of $150,000 or more with an Everyday Options Account and enjoy a discounted rate and other savings.
For an annual fee of
$375
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 savings of up to $11,250. *
$600 for loans $990 for loans >= 90% LVR
$0 with 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 and costs determined at application on loans > 80% LVR
I’d like to learn more about…
What could my repayments be?
How much could I borrow?
Stamp duty & concession calculator
Compare home loans
Pre-approval (sometimes referred to as conditional approval) will give you a good idea of how much you may be able to borrow from the bank. If a lender pre-approves you for a loan, they will do so for a specific amount, so you can house hunt properties you know you can afford.
It is obligation-free if you're successful, and you can apply more than once.
You can speak with a lender to apply, or you can apply for preapproval in as little as 20 minutes online!
Can I pay extra into my home loan each month?You can make additional repayments to your Standard Variable or Back to Basics Variable Home Loan at any time.
For Fixed Rate Home Loan, additional repayments of up to $500 in excess of your minimum monthly repayment are permitted. After that, an Early Payment Interest Adjustment Fee (EPIA) may apply.
For more information on fees, view the EPIA brochure.
What’s the difference between Principal and Interest and Interest Only repayments on a home loan?A home loan will have a loan term (usually between 8-30 years), which can have the option of principal and interest or interest only repayments.
For a principal and interest home loan, you will be required to pay a minimum monthly repayment. This repayment will require you to pay the interest charge, as well as reducing the principal amount of the loan over the required term.
For an interest only home loan (requires approval), you can take a maximum interest only period of 5 years. During this period, you will only be required to pay the interest charges. At the end of the interest only period, you will revert to a principal and interest repayment.
Is there any cost for seeking the advice of a Suncorp Bank lending expert?There’s no charge for talking with a lender. All home loan assistance is obligation-free.
What can I expect?
Whether you want to get pre-approval, a new loan or refinance your existing loan with Suncorp Bank, you can apply quickly online. We’ll reply within two hours or by the next business day.
Are you buying a home or looking to refinance?
You can apply online in as little as 20 minutes.
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 75 Mon-Fri 8am-7pm and Sat 9am-2pm (AEST)
What can I expect?
Whether you want to get pre-approval, a new loan or refinance your existing loan with Suncorp Bank, you can apply quickly online. We’ll reply within two hours or by the next business day.
Things you should knowHome Loan, Personal and Business Banking products are issued by Suncorp Bank (Norfina Limited ABN 66 010 831 722 AFSL No 229882 Australian Credit Licence 229882) to approved applicants only. Eligibility criteria, conditions, fees and charges apply and are available on request. Please read the relevant Product Information Document and terms and conditions before making any decisions about whether to acquire a product.
# 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.
## 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.
Talk to a home loan expert
Book a visit with one of our friendly lenders
Contact us with any queries you may have
Contact a home loan expert
Book a visit
with one of our friendly lenders
Contact us with any queries you may have
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.
Split your loan across fixed and variable rates
You can choose to split your loan and keep a portion of your borrowings at a variable interest rate, allowing you the option to make additional repayments in excess of $500 without penalty /redraw on the variable component
Option to lock in a rate at the time of application
As Fixed Rates are determined at settlement of your loan, our Guaranteed Rate Fee removes this uncertainty by fixing the rate at application for up to 90 days to protect you from unforeseen increases before loan settlement
Principal + Interest or Interest-only repayment options
Interest only repayments subject to credit approval
A rate that is variable and is subject to change over the loan term.
Split your loan
You can choose to split your loan and fix a portion of your borrowings at a fixed interest rate for greater budgeting certainty. At expiry all fixed rate loans revert to the Standard Variable 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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Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statements before you make any decision regarding these products. The Target Market Determination are also available. Copies of historical TMDs for credit card products can be obtained by calling 13 11 75.
Carbon Neutral Certification
In Australia, carbon neutral certification is governed by Climate Active. For an entity to be certified as carbon neutral, it must meet the requirements of the Climate Active Carbon Neutral Standard. This means that to achieve certification an entity must measure emissions, reduce these where possible, offset remaining emissions and then publicly report on its achievements.
Carbon neutral claims must be independently validated by an independent third party.
