Fixed Rate

Guarantees you the certainty of knowing your interest rate won’t change for the life of the fixed term.

  • You choose the term - either 1, 2, 3 or 5 years
  • Budget with confidence, knowing you’re protected against any unexpected interest rate rise
Our home loans
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13 11 75
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Loan Type
  • Fixed Rate Loan
Purpose
  • Personal
  • Investment
  • Low-Doc for self-employed people1
Fixed Rate Term
  • 1, 2, 3 or 5 year periods
  • At the end of the fixed rate period, your loan automatically converts to the Standard Variable Rate. You then have the option to apply to refix the interest rate for a further period.
Loan Term
  • 8 to 30 years
Maximum Loan Amount
  • Up to 95% of the purchase price or valuation, whichever is the lower2
  • Up to 110% of the purchase price or valuation, whichever is the lower, with our Deposit KickStart option3
Repayment Facility
  • Choose weekly, fortnightly or monthly repayments. Make repayments direct from a Suncorp Transaction Account, in a branch, over the phone or via the internet.
Interest Only Repayments
  • Choose interest only repayment periods4
Additional Repayments
  • Have the flexibility to make additional repayments with no penalty5

Ability to 'Split'
  • You can choose to ‘lock in’ the interest rate on part of the loan by selecting a fixed rate but still have access to additional features and flexibility on the remaining variable rate portion of the loan.

Split Loan
Deposit Kick Start
  • Use the equity in the home of a family member or friend towards the purchase of your new owner occupied home.
  • We may lend you up to 110%3 of the purchase price or valuation; whichever is the lower amount.
  • You will save money as Lenders Mortgage Insurance is not required.
Statements
  • Statements are issued every 6 months or more often if you request this.

 

Loan Establishment Fee
  • $600
Account Keeping Fee
  • $10 per month
Mortgage Insurance
  • If applicable, for Full Doc loans over 80% loan to value ratio or Low Doc loan over 60% loan to value ratio.
Guaranteed Rate Fee
  • You can pay a Guaranteed Rate Fee to secure a fixed rate (not available for Introductory One Year Fixed Rate) for 90 days following your application.
  • The fee is calculated at 0.15% of the amount borrowed (excluding other fees which are financed by the loan)
  • This fee is non-refundable.

For a complete guide to the fees and charges on our loans, please download the Lending Fees and Charges brochure or obtain a copy from a Suncorp branch near you.

Get in touch

Our Home Loan Specialists are easy to contact– online, face-to-face, or over the phone on 13 11 75.

  • Enquire online and a Home Loan Specialist will help you find a loan that best suits your needs.
  • Arrange an appointment with a Home Loan Specialist in one of our branches. They’ll even come to you – where and when it suits best.
    If you prefer, just drop into one of our branches or  call us on 13 11 75.

Ready to apply?

Visit this helpful page for more information on what you will need to complete your application.

Things you should know

 
 
1 Low Doc Option is available on Standard Variable, Back to Basics, Asset Line, 1 Year Fixed, 2 Year Fixed, 3 Year Fixed and 5 Year Fixed. A Low Doc Margin is added to the reference rate.  Terms and conditions apply.
2 Exclusions and maximum loan amounts apply. Suncorp will lend you 95% of the purchase/construction price or valuation (whichever is the lower).  
3 Terms and conditions apply.
4 A maximum period of 5 years interest only repayments applies
5 An Early Payment Interest Adjustment Fee applies if more than the prepayment allowance (currently $500 per month) is paid in excess of the agreed monthly repayment. Fee applies to the whole amount pre-paid.