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Suncorp is an Australian bank, insurer and superannuation provider. Suncorp has home loans for investors and owner-occupiers, including fixed and variable rates. Check out the full table of Suncorp products below or read more about the lender and its loans.
Hit the "Load more" button to compare a bigger selection of products. You can also find more information on each individual product by clicking "more info".
Review by our senior home loans writer Richard Whitten
Here are the key features and details you need to know about Suncorp's mortgage products.
| Feature | Details |
|---|---|
| Minimum deposit | Suncorp loans have 80% maximum LVRs. This means you can borrow up to 80% with a Suncorp mortgage. There are no loans for borrowers with low deposits (that is, deposits below 20%). |
| Offset account | If you want an offset account on your loan then you should consider Suncorp's package loans. |
| Fees | Suncorp loans have low fees, and waive some of their package loan fees. |
| Repayment options | Both Suncorp's fixed and variable rate loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans. |
| Package benefits | Suncorp's package loans offer discounts on other finance and insurance products and lower fees. |
| Split rate | Most Suncorp mortgages allow you to split your loan into fixed and variable portions. |
When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.
Each Suncorp product has specific eligibility criteria but some will apply to all products. For example:
When you apply for a mortgage with Suncorp you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:
📄 Property details: You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.
📄 Identification documents. You will need identification such as a driver's license, passport or birth certificate.
📄 Proof of income documents. Recent payslips can establish your income.
📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).
If you're looking for a home loan from a similar lender to Suncorp Bank, you could look at the Big Four or some of Australia's other mid-sized lenders.
When you combine your fixed rate home loan with the Home Package Plus you may be eligible for discounted interest rates for a fixed period of time.
Combining your eligible home loan with the Suncorp Bank Home Package Plus means you save on interest and fees.
The Suncorp Bank Standard Variable home loan is the type of loan you want when your main objective is to pay it off on your terms.
The Line of credit loan offered by Suncorp gives you manageability over your money by allowing you to invest in other projects with the equity from your current home.
Flexible payment options and a competitive introductory interest rate are features to make you consider the Back to Basics home loan. You can work down the loan with unlimited repayments which can be redrawn if you ever need them.
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does Suncorp have senior access home loans
Hello Jutta,
Thanks for your question.
Suncorp’s portfolio contains variable rate loans, fixed rate loans, line of credit loans and a home loan package. Suncorp home loans also offer features such as access to equity, redraw facilities, competitive interest rates and waived fees. Repayment customisation is another major feature that is available with Suncorp’s line of home loans.
You may visit this link to compare them https://www.finder.com.au/home-loans/suncorp-bank
Also once you have decided which type of loan you are interested in you can book an in-person meeting with a lender. This will require you to fill out a form in which you’ll need to specify some personal and financial details. You will enter your preferred method of contact and schedule a meeting with Suncorp. You can even choose between meeting at a branch or having a mobile lender come to you. You will be contacted within a few business days.
I hope this helps.
Cheers!
Chester
Hi, I`m trying to re-finance my investment property worth $620,000 currently owing $310,000 with CBA…I want to borrow $170,000 to consolidate my car loan of $15,000…Credit card with Citibank, $20,000 and $120,000 owing to my brother
Hi Malia,
Thanks for your enquiry.
You can read our guide about refinancing your home loan to consolidate debts and you can compare a range of loans that are suited for refinancing purposes.
However, please be mindful of any exit fees you may incur with your existing lender as well as application or start-up fees that may be charged by your new lender. It’s also important to realise that while consolidating your debts is convenient, it will take you longer to repay the combined debt.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Thanks,
Belinda
what is your best variable interest rate for home loan over 250000. with offset accounts and no yearly fee?
Hi Ly,
Thank you for reaching out.
The best loan for you will depend on how you will use your loan and what your goals are.
I would recommend comparing variable rate home loans with offset accounts and ordering the loans based on the interest rate, which you can do by clicking on the table heading. You can then also look at which loans have no annual fees or other costs involved.
Alternatively, you can contact a mortgage broker or the specific lender you had in mind to discuss what they can find as the best for you.
Regards,
Jodie
I would like to book a mobile lender from Suncorp to visit me at my home. I currently have all banking with Suncorp & considering seeking pre approval from Suncorp for another home loan.
Regards
Natasha
Hi Natasha,
thanks for the question.
We’re a comparison service, and do not offer any Suncorp products directly. I’d recommend contacting Suncorp directly to organise a mobile lender to visit you.
Cheers,
Marc.