Home loan offers & special rates

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Our latest home loan offers

No annual fee for the life of the loan

Save up to $11,250.## No annual fee for the life of the loan if you take out a new Home Package Plus home loan of $150k+.

That’s a saving of $11,250 over a 30 year loan.##

Available with

Home Package Plus


See full terms & conditions

LMI waiver for eligible medical professionals

Are you a Medical Practitioner registered with AHPRA? 
You may be eligible for an LMI waiver with your Suncorp Bank Home Loan

 

Make your next move with confidence

Save time, get started online

You can apply online in as little as 20 minutes.

Apply online

100% obligation free advice

Our experienced home lending team are happy to answer all your questions.

Talk to a home loan expert

If you’d like to speak to someone straightaway, please call 13 11 75 Mon-Fri 8am-7pm and Sat-Sun 9am-2pm (AEST)

Featured interest rates

Our lowest variable rate

Get a great low rate with low fees and the flexibility to make extra repayments whenever you choose.

More on our Back to Basics loan

Owner Occupied

Variable 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.

Deposit less than 20%?

If you’re a first home buyer, you can still get a great rate!

More on loans for first home buyers

Owner Occupied

Variable Rate

*

Discounted Standard Variable Rate in Home Package Plus. Applicants must be first home buyers. New to bank lending >=$150,000. Maximum LVR 95% (inc. LMI). Principal and Interest repayments.

Thinking about making eco-upgrades to your home?

It could be a great time to invest in your home’s sustainability.

More on our Green Upgrades Equity Home Loan Offer

Owner Occupied

Variable Rate

^^


Discounted Back to Basics Variable Rate with Green Upgrades Equity Home Loan Offer. Owner Occupied or Investment. New to bank lending ≥ $10k-25k. Maximum LVR 80%. Principal and Interest Repayments. View complete eligibility requirements, terms and conditions.

It’s our job to get you the right home loan at a great rate

I’m looking to...

Refinance my home loan with Suncorp Bank

Buy my first home

Buy my next home

Buy an investment property

Renovate my home

Manage my existing home loan

Make your next home loan move with confidence

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.

Save time, get started online

Are you buying a home or looking to refinance?
You can apply online in as little as 20 minutes.

What can I expect?

100% obligation free advice

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-Sun 9am-2pm (AEST)

##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.

‡ LMI waiver for eligible medical professionals

If you are eligible for the Offer, Lenders Mortgage Insurance (LMI) will not be required if you are approved for and settle an eligible Home Loan which meets the following criteria:

1. at least one borrower is an eligible Medical Practitioner at time of the loan application and registered with AHPRA; 2. the loan amount is between $250,000 and $1,500,000; 3. the Loan to Value Ratio (LVR) is between 80.01% and 90%; 4. the loan is for purchase or refinance of residential property for owner occupied or investor purpose; 5. the loan is paid in principal and interest repayments; and 6. you or the other borrower/s total borrowings originated under this Offer will not exceed $1,500,000. Pre-approvals, bridging loans, construction loans and refinances of an existing Suncorp Bank home loans are ineligible. 7. The Offer will continue to apply on the Eligible Home Loan, even if the Eligible Medical Practitioner ceases to be registered with the AHPRA. However, if the Eligible Medical Practitioner ceases to be registered with the AHPRA, varies their Eligible Home Loan and the Loan Value Ratio is above 80%, the Eligible Medical Practitioner will no longer be eligible for the Offer and LMI will be required on the full value of the loan. 8. Suncorp Bank reserves the right to: a) vary, amend, extend, cancel or withdraw the Offer at any time from market without notice; and b) request further information from the Eligible Medical Practitioner relating to their occupation, as required to verify the borrower’s Eligible Medical Practitioner status. 9. Applications subject to credit approval. Fees and charges may be applicable. Full terms and conditions will be included in the loan offer. 10. In these Terms and Conditions, the following capitalised words are defined as below: a) AHPRA means Australian Health Practitioner Regulation Agency. b) Eligible Home Loan means Standard Variable, Back to Basics Variable and Fixed Rate term loans provided by Suncorp Bank. c) Eligible Medical Practitioner means a borrower who is a medical practitioner registered with the AHPRA and meets the eligibility criteria in clause 2. The medical practitioner must have ’generalist’ or ’specialist’ registration that is verifiable on the register maintained by the AHPRA and must be current at the time their loan application is submitted to Suncorp Bank. Non-practicing, provisional or limited registrations are not eligible. d)Lender’s Mortgage Insurance (LMI)is insurance that protects Suncorp Bank (not the borrower), if the borrower is unable to make repayments on their home loan or defaults on the loan. It is a once-off cost paid by Suncorp Bank, passed onto borrowers as a fee. e) Loan to Value Ratio is calculated by dividing the loan amount by the value of the security property, expressed as a percentage.

# 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.

*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 First Home Buyer Special Offer >= $150,000 and borrowings <= 95% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 6.74% p.a.) is calculated by subtracting a discount of 2.49% 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 17 November 2023, for Owner Occupier first home buyers who have never previously purchased a property; all applicants for the loan must be first home buyers.

^^Discounted rate is only available for new Personal/Owner Occupied or Investment loans taken out as part of the Suncorp Bank Green Upgrades Equity Home Loan Offer. Existing lending ≥$150,000 and new equity lending between $10,000-$25,000 and borrowings ≤80% of the security property value (LVR) inclusive of lenders mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 5.82% p.a) is calculated by subtracting a discount of 2.83% from the Standard Back to Basics Variable Rate (currently 8.65% p.a.) for Owner Occupied Loans, or by subtracting a discount of 3.25% from the Standard Back to Basics Variable Rate (currently 9.07% p.a.) for Investment Loans. Rates and discounts are subject to change and may be varied if the loan purpose or repayment type is changed. Pre-approvals excluded. The discounted rate is available on eligible loans applied for from 17 November 2023 until 28 February 2025 unless withdrawn earlier.

Suncorp Bank reserves the right to vary offers at any time.

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.

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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.

Fixed rate

Lock in your interest rate and repayment amount