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Home Loan Interest Rates

For a full list of rates with discount margins displayed, please view our:

Interest Rate Guide

 

 

Our Specials Offers, Package and Standard rates explained

Special Offer: For customers with eligible new home lending over $150,000

First Home Buyer Special Offer: For Owner Occupier first home buyers who have never previously purchased a property with eligible new Home Lending of over $150,000

Home Package Plus: For customer with eligible home lending over $150,000, which can be a combination of existing and new lending

Standard Interest Rate: For customers without a package and minimum lending requirement is only $10,000. The interest rates quoted below are inclusive of a discount margin which is deducted from the Standard Interest Rate. View the Interest Rate Guide linked at the bottom of the page for a full list of standard interest rates.

Comparison Rate Warning: Each comparison rate is based on $150,000 over 25 years. These comparison rates apply 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.

Back to Basics

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Standard Variable

Home Package Plus annual Package fee special offers

1. Home Package Plus anual Package fee waived for the first year - save $375∇

2. Home Package Plus First Home Buyers Special Offers -  No annual Home Package Plus fee - Suncorp will refund the annual $375 Home Package Plus fee for the life of the loan saving you up to $11,250 over a 30 year loan. Applicable for Owner Occupier First Home Buyers who have never previously purchased a property. An eligible home loan is a First Home Buyers Standard Variable Special Offer or First Home Buyers 5 Year Fixed Rate Special Offer with minimum new home lending in the Home Package Plus of $150,000∇∇

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Fixed Rate Home Loans

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Home Package Plus - Access Equity Facilities

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Interest in Advance Home Loans

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The Home Package Plus (HPP) Discounts are applied for as long as the home loan remains part of the Home Package Plus. Interest rates and discounts are subject to change without notice. Discount margins may be withdrawn at any time before a contract is entered into. Discounts are applied to the applicable Standard Interest Rate at the day Settlement.

Loan to Value Ratio (LVR) limits are inclusive of Lenders Mortgage Insurance (LMI) where applicable. A repayment type of interest only is available on loans with an LVR limit < 90%. At the expiry of the interest only period, the rate will convert to the applicable P&I interest rate plus or minus any applicable margins specified in your credit contract.

^The standard Fixed Rate offered on the day of settlement of the loan will apply unless the rate is secured by paying a Guaranteed Rate Fee. At expiry of the fixed rate period, the rate will revert to the applicable Standard Variable Interest Rate less any applicable margin discount specified in your credit contract. The Interest Only period on a Fixed Rate must equal the Fixed Rate term.

∇Offer valid from 27/03/2017 until withdrawn. The first annual package fee is waived for new Home Package Plus customers only with new lending of at least $150,000. The annual package fee of $375 is charged and refunded to the loan. Offer is subject to change without notice and may be withdrawn at any time before a credit contract is entered into. 

∇∇No annual fee for the life of the loan valid from 12/09/2017 and is subject to change without notice and may be withdrawn at any time before a credit contract is entered into. The annual package fee of $375 will be charged and refunded for the life of the loan, expiring only if the loan is closed or varied out of the product or package.

#WARNING:Each comparison rate is based on $150,000 over 25 years. These comparison rates apply 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.

Banking 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 for Suncorp Bank Personal Deposit Accounts and the Terms and Conditions for Suncorp Accounts before making a decision regarding a Suncorp Bank transaction account. Fees, charges, terms and conditions apply and are available on request or at suncorp.com.au/banking/help-support/documents-forms.