Fixed Rate
Lock in our low 3-year Fixed Rate Home Loan.
100% obligation-free support
Lock in our low 3-year Fixed Rate Home Loan
Fixed rate
IRM{hlhppsoz.3.17}+
Comparison rate
IRM{hlhppsoz.4.17}#
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.
Why choose our Fixed Rate Home Loan?
Rate certainty
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 standard variable rate or can be re-fixed. You have the option to lock in the fixed rate on application.
Package and save
Link your eligible home loan in the Home Package Plus (together with an Everyday Options Account) and save on interest and fees.
Easy application, fast approvals
Apply online
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.
Indicative approval
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.
Valuation & Verification
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.
Fast Approvals
Providing steps 1 to 3 are successful, you can get final approval in about 1 week.
Home loan features & fees
Home loan interest rates
Home loan calculators & resources
What could my repayments be?
How much could I borrow?
Stamp duty & concession calculator
Compare home loans
Things you should know
Home 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.
^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 5.49% p.a.) is calculated by subtracting a discount of 0.45% from the Standard 2 Year Fixed Rate (currently 5.94% p.a.) and only applicable while the loan remains in the Home Package Plus. At expiry of the 2 Year Fixed Rate Term, the loan will revert to the applicable Standard Variable Rate advertised at the time (currently 8.98% p.a.) less the Home Package Plus discount (currently 2.98% p.a.). The Standard 2 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. Current standard fixed rates and discounts are subject to change without notice. Pre-approvals excluded. The discounted rate is available on eligible loans applied for from 28 February 2025.
##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.
