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Deposit Kickstart Home Loan Solution

Designed to help people buy their home sooner with the support of a guarantor.


Product Overview
Loan Purpose Purchase or refinance of owner occupied residence. 
Loan Structure

See below diagram.

Legal and Financial Advice Guarantors must obtain independent legal and financial advice.
Product Choice Any available home loan product. 
Home Package Plus All the benefits of the Home Package Plus are available.

Deposit Kickstart Structure

Up to 110% Borrower must demonstrate the ability to service the loan in their own right   Refinance Optional for Guarantor
Loan A Loan B Loan C
Up to 80% of the confirmed security value Up to 30% of the confirmed security value Suncorp Bank refinances the Guarantor's property
P & I or I/O (Subject to approval) Must be P & I 
Secured by 1st mortgage (borrower's property)

Secured by 1st mortgage (borrower's property)

Secured by guarantor's property being 1st or 2nd mortgage

Suncorp Bank takes a 1st mortgage 

Banking products are issued by Suncorp-Metway Ltd ABN 66 010 831 722 AFSL No 229882 Australian Credit Licence 229882 (“Suncorp Bank”) with Home Loans to approved applicants only. Please read the relevant Product Information Documents, Lending Fees and Charges and the 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 visiting:

Products and services including banking, superannuation and insurance (including home and car insurance) are provided by separate companies in the Suncorp Group. Suncorp Bank is only liable for the banking products or services it provides and not the products and services of the other companies in the Suncorp Group.