Interest
5.99%p.a.
Comparison*
5.99%p.a.
Est. repayment
$2,995
LVR ≤80%
Home loan rates in Sunshine Coast, October 2026
The sharpest owner-occupier rates available to Sunshine Coast buyers, ranked by comparison rate across 50+ lenders. Rates are priced nationally, so a Sunshine Coast buyer sees the same numbers as anyone in Queensland; what changes is the value you borrow against and the QLD concessions that stack on top.
RBA cash rate 4.60%(effective 30 September 2026)·As at ·5,175 products·50+ Australian lenders
About these dates
Live rates updated 15 October 2026. Verified snapshot dated 8 October 2026 is used only for promoted 80% LVR claims, not as a second table date. Live figures change as lenders publish. The verified snapshot is the dated 80% LVR matrix used for promoted claims.
Sorted by comparison rate25 products shown
Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in October 2026
Reviewed by the Ratesniffers Editorial Team, October 2026
These are the standout rates for Sunshine Coast buyers right now, ranked sharpest-first by comparison rate (currently from 5.99%), rates as at 8 October 2026, with no paid placement.
Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Queensland Country BankSpecial Package Variable Owner Occupied <80% LVR P&I
5.99%
5.99%
80%
Fixed rate
Queensland Country Bank2 Year Fixed Rate Package Owner Occupied <80% LVR P&I Special
6.29%
6.33%
80%
Interest only
Newcastle Permanent Building SocietyPremium Plus Package Variable Home Loan Interest Only
6.19%
6.22%
80%
Interest
5.99%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.03%p.a.
Est. repayment
$2,995
LVR ≤80%
Interest
6.09%p.a.
Updating +25bp · eff 13 Oct
Comparison*
6.09%p.a.
Est. repayment
$3,027
LVR 70 to 80%
Interest
6.14%p.a.
Announced +25bp · eff 15 Oct
Comparison*
6.14%p.a.
Est. repayment
$3,043
LVR ≤80%
Interest
6.14%p.a.
Comparison*
6.17%p.a.
Est. repayment
$3,043
LVR 60 to 80%
Interest
6.19%p.a.
Announced +25bp · eff 15 Oct
Comparison*
6.22%p.a.
Est. repayment
$3,059
LVR 70 to 80%
Interest
6.29%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.29%p.a.
Est. repayment
$3,092
LVR 70 to 80%
Show 15 more products
Interest
6.09%p.a.
Announced +25bp · eff 15 Oct
Comparison*
6.32%p.a.
Est. repayment
$3,027
LVR 70 to 80%
Interest
6.18%p.a.
Comparison*
6.36%p.a.
Est. repayment
$3,056
LVR ≤80%
Bank of Queensland LimitedEconomy Variable Home Loan Owner Occupied 70% - 80% LVR P&I Special (Existing customers only)
VariableRedraw
Interest
6.33%p.a.
Updating +25bp · eff 2 Oct
Comparison*
6.44%p.a.
Est. repayment
$3,105
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.46%p.a.
Est. repayment
$3,141
LVR 70 to 80%
ING Bank (Australia) LtdOrange Advantage $150k+ 70% - 80% LVR Owner Occupied P&I
VariableOffsetRedraw
Interest
6.19%p.a.
Updating +25bp · eff 9 Oct
Comparison*
6.47%p.a.
Est. repayment
$3,059
LVR 70 to 80%
Interest
6.44%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.39%p.a.
Announced +25bp · eff 15 Oct
Comparison*
6.51%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Interest
6.49%p.a.
Updating +25bp · eff 7 Oct
Comparison*
6.53%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.44%p.a.
Updating +25bp · eff 8 Oct
Comparison*
6.55%p.a.
Est. repayment
$3,141
LVR 70 to 80%
*Important Information and Comparison Rate Warning
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. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Home loan rates in Sunshine Coast start from 5.99% p.a. today (as at October 2026), the lowest variable owner-occupier rate across 50+ Australian lenders. Rates are set nationally rather than by city, so a Sunshine Coast buyer sees the same numbers as anyone in Queensland; what changes is the value you borrow against and the QLD concessions that stack on top.
Buying in Sunshine Coast
What changes when you compare home loans in Sunshine Coast
The Sunshine Coast has pushed to around the million-dollar mark on the back of Queensland's boom, so the spread between an average and a sharp rate is real money every month. Your interest rate does not change with your postcode, but the size of the loan does, and so does the cash going in. First home buyers in Sunshine Coast can combine the $30,000 First Home Owner Grant with the QLD stamp duty concession and the federal Home Guarantee Scheme cap of $1,000,000 (Brisbane + regional centres) / $700,000 (rest of QLD). Those three can move your minimum deposit by tens of thousands without touching the rate column above.
Source: Queensland Revenue Office · Verified September 2026. See also our stamp duty calculator.
2
of 50+ lenders are under 6.00% today on an owner-occupier variable loan a Sunshine Coast buyer can access.
$5,989
a month, principal and interest over 30 years, indicative on an approximate Sunshine Coast value of around $1,000,000 at today's lowest variable rate of 5.99%.
QLD first home buyer concessions at a glance
| First home owner grant | $30,000 |
|---|---|
| Stamp duty concession | Full exemption on new or existing homes ≤ $700,000; concessional rates from $700,000 to $800,000 (FHB rate). |
| Home Guarantee Scheme cap | $1,000,000 (Brisbane + regional centres) / $700,000 (rest of QLD) |
What is the lowest home loan rate in Sunshine Coast right now?
Today the sharpest owner-occupier variable rate available to a Sunshine Coast buyer sits at 5.99%, with 2 of 50+ lenders priced under 6.00% and a panel median near 6.44%. Because lenders price nationally, that same rate is open to buyers right across Queensland.
Sunshine Coast home loan rate FAQs
What are the lowest home loan rates in Sunshine Coast?
The lowest comparison rate on our panel right now is 5.99%, rates as at 8 October 2026, and sorted to the top of the table above. Home loan rates are not set by city, the same lenders price nationally, so a Sunshine Coast buyer can access exactly the same rates as anyone in Queensland. What changes locally is the value you borrow against and the QLD concessions you stack on top.
How much would a typical Sunshine Coast home loan repayment be?
As an indicative example, a loan of around $1,000,000, which reflects an approximate Sunshine Coast dwelling value, repaid principal and interest over 30 years at today's lowest variable rate, sits in the range shown in the panel above. It is an indicative figure on an approximate value, not a quote, and your actual repayment depends on your rate, deposit and loan term.
What is the First Home Owner Grant for Sunshine Coast buyers?
QLD's First Home Owner Grant is $30,000. Buying or building a new home, contracts signed from 20 Nov 2023. The increased $30,000 amount, originally due to revert to $15,000 after 30 Jun 2026, has been extended and continues for contracts signed from 1 Jul 2026 onward. It is paid in addition to any rate you secure on the comparison table above. See Queensland Revenue Office for current eligibility detail.
Do first home buyers pay stamp duty in Sunshine Coast?
Full exemption on new or existing homes ≤ $700,000; concessional rates from $700,000 to $800,000 (FHB rate). These concessions can be worth more than a small difference in interest rate, so factor them into your total cost, not just the headline rate. Authority: Queensland Revenue Office.
What is the Home Guarantee Scheme price cap for Sunshine Coast?
$1,000,000 (Brisbane + regional centres) / $700,000 (rest of QLD) Under the federal Home Guarantee Scheme, eligible Sunshine Coast buyers can purchase under that cap with as little as a 5% deposit and no Lenders Mortgage Insurance, with the government guaranteeing the difference. It works with several lenders on the table above.