Standard Variable Rate
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.08%p.a.
Comparison*
6.12%p.a.
Monthly repayment
$3,024
LVR ≤95%
Suncorp Bank Home Loan Rates
Active products
46
Lowest variable
6.08%
Lowest fixed
6.24%
Lowest comparison
6.12%
Last updated
28 July 2026
Suncorp Bank is now part of ANZ Group following the 2024 acquisition, but continues to operate as a distinct brand with its own product set, Queensland branch presence, and Home Package Plus offset bundle. Pricing has tightened post-acquisition as the brand consolidates onto ANZ's home-loan platform.
What is the lowest Suncorp Bank home loan rate?
The lowest Suncorp Bank variable home loan rate Ratesniffers tracks is 6.08% p.a., and the lowest fixed rate is 6.24% p.a. These figures come from the 46 Suncorp Bank products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does Suncorp Bank offer?
Ratesniffers currently tracks 46 Suncorp Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Suncorp Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.08% p.a. | 6.12% p.a. | 100% |
| Variable Owner-occupier P&I | 6.08% p.a. | 6.12% p.a. | 100% |
| Variable Owner-occupier P&I | 6.08% p.a. | 6.12% p.a. | 100% |
| Variable Owner-occupier P&I | 6.08% p.a. | 6.12% p.a. | 100% |
| Variable Owner-occupier P&I | 6.08% p.a. | 6.12% p.a. | 100% |
| Variable Investor P&I | 6.18% p.a. | 6.22% p.a. | 100% |
| Variable Investor P&I | 6.18% p.a. | 6.22% p.a. | 100% |
| Variable Investor P&I | 6.18% p.a. | 6.22% p.a. | 100% |
| Variable Investor P&I | 6.18% p.a. | 6.22% p.a. | 100% |
| Fixed 2-year Owner-occupier P&I | 6.24% p.a. | 6.28% p.a. | 100% |
| Fixed 2-year Owner-occupier P&I | 6.24% p.a. | 6.28% p.a. | 100% |
| Variable Investor interest-only | 6.28% p.a. | 6.32% p.a. | 100% |
46 Suncorp Bank home loan products
Back to Basics Variable Rate Better Together Special Offer
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.08%p.a.
Comparison*
6.12%p.a.
Monthly repayment
$3,024
LVR 70–80%
Standard Variable Rate - Home Package Plus Special Offers for First Home Buyers
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.08%p.a.
Comparison*
6.12%p.a.
Monthly repayment
$3,024
LVR ≤95%
Standard Variable Rate - Home Package Plus Special Offers
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.08%p.a.
Comparison*
6.12%p.a.
Monthly repayment
$3,024
LVR 70–80%
Back to Basics Variable Rate
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.08%p.a.
Comparison*
6.12%p.a.
Monthly repayment
$3,024
LVR ≤95%
Standard Variable Rate
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.18%p.a.
Comparison*
6.22%p.a.
Monthly repayment
$3,056
LVR ≤90%
Back to Basics Variable Rate Better Together Special Offer
InvestorVariableP&IRedrawExtra repayments
Interest
6.18%p.a.
Comparison*
6.22%p.a.
Monthly repayment
$3,056
LVR 70–80%
Standard Variable Rate - Home Package Plus Special Offers
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.18%p.a.
Comparison*
6.22%p.a.
Monthly repayment
$3,056
LVR 70–80%
Back to Basics Variable Rate
InvestorVariableP&IRedrawExtra repayments
Interest
6.18%p.a.
Comparison*
6.22%p.a.
Monthly repayment
$3,056
LVR ≤90%
1,2,3 or 5 Year Fixed Rate
Owner-occupier2y FixedP&IExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR ≤95%
1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers
Owner-occupier2y FixedP&IExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR ≤80%
Standard Variable Rate
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.28%p.a.
Comparison*
6.32%p.a.
Monthly repayment
$3,088
LVR ≤90%
Back to Basics Variable Rate Better Together Special Offer
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.28%p.a.
Comparison*
6.32%p.a.
Monthly repayment
$3,088
LVR 70–80%
Standard Variable Rate - Home Package Plus Special Offers
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.28%p.a.
Comparison*
6.32%p.a.
Monthly repayment
$3,088
LVR 70–80%
Back to Basics Variable Rate
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.28%p.a.
Comparison*
6.32%p.a.
Monthly repayment
$3,088
LVR ≤90%
1,2,3 or 5 Year Fixed Rate
Owner-occupier1y FixedP&IExtra repayments
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Monthly repayment
$3,092
LVR ≤95%
1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers
Owner-occupier1y FixedP&IExtra repayments
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Monthly repayment
$3,092
LVR ≤80%
1,2,3 or 5 Year Fixed Rate
Investor2y FixedP&IExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR ≤90%
1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers
Investor2y FixedP&IExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR ≤80%
Standard Variable Rate
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR ≤90%
1,2,3 or 5 Year Fixed Rate
Investor1y FixedP&IExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR ≤90%
1,2,3 or 5 Year Fixed Rate
Owner-occupier3y FixedP&IExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR ≤95%
Back to Basics Variable Rate Better Together Special Offer
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
Standard Variable Rate - Home Package Plus Special Offers
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
Back to Basics Variable Rate
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR ≤90%
1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers
Owner-occupier3y FixedP&IExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR ≤80%
1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers
Investor1y FixedP&IExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR ≤80%
1,2,3 or 5 Year Fixed Rate
Investor3y FixedP&IExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤90%
1,2,3 or 5 Year Fixed Rate
Investor2y FixedInterest onlyExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤90%
1,2,3 or 5 Year Fixed Rate
Investor1y FixedInterest onlyExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤90%
1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers
Investor3y FixedP&IExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers
Investor2y FixedInterest onlyExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers
Investor1y FixedInterest onlyExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤80%
1,2,3 or 5 Year Fixed Rate
Owner-occupier5y FixedP&IExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR ≤95%
5 Year Fixed Rate - Home Package Plus Special Offers for First Home Buyers
Owner-occupier5y FixedP&IExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR ≤95%
1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers
Owner-occupier5y FixedP&IExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR ≤80%
1,2,3 or 5 Year Fixed Rate
Investor5y FixedP&IExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR ≤90%
1,2,3 or 5 Year Fixed Rate
Investor3y FixedInterest onlyExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR ≤90%
1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers
Investor5y FixedP&IExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR ≤80%
1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers
Investor3y FixedInterest onlyExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR ≤80%
1,2,3 or 5 Year Fixed Rate
Investor5y FixedInterest onlyExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤90%
1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers
Investor5y FixedInterest onlyExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR ≤80%
1,2,3 or 5 Year Fixed Rate
Owner-occupier2y FixedInterest onlyExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR ≤90%
1,2,3 or 5 Year Fixed Rate
Owner-occupier1y FixedInterest onlyExtra repayments
Interest
6.94%p.a.
Comparison*
6.98%p.a.
Monthly repayment
$3,306
LVR ≤90%
1,2,3 or 5 Year Fixed Rate
Owner-occupier3y FixedInterest onlyExtra repayments
Interest
7.04%p.a.
Comparison*
7.08%p.a.
Monthly repayment
$3,340
LVR ≤90%
1,2,3 or 5 Year Fixed Rate
Owner-occupier5y FixedInterest onlyExtra repayments
Interest
7.09%p.a.
Comparison*
7.13%p.a.
Monthly repayment
$3,357
LVR ≤90%
Negotiate Suncorp Bank rates with a broker
Advertised rates aren't always the rate Suncorp Bank actually approves. Our broker negotiates against your specific scenario, no fee.
Who is Suncorp Bank?
Suncorp Bank is Queensland's best-known bank brand, and since 31 July 2024 it has been owned by ANZ, which completed its acquisition of the bank with around 1.2 million customers and more than $50 billion in deposits. The Suncorp Bank brand and its Queensland branch presence continue under ANZ ownership.
Its home-loan pricing has historically sat competitively below the big-four averages, and its heartland remains Queensland, where the brand has operated for decades alongside the broader Suncorp insurance group it was separated from in the sale.
Who suits a Suncorp Bank home loan?
Suncorp Bank tends to suit Queensland borrowers who want a familiar local brand with competitive pricing, now backed by big-four scale through ANZ. Its variable rates frequently appear near the top of our leaderboard, so check the live table above to see exactly where it prices today.
Background facts checked 19 July 2026. Rates above refresh independently.
Suncorp Bank home loans: frequently asked questions
What is the lowest Suncorp Bank home loan rate?
Suncorp Bank's lowest variable home loan rate is currently 6.08% p.a., and its lowest fixed rate is 6.24% p.a., based on the 46 Suncorp Bank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Suncorp Bank approves, a broker can often negotiate a sharper deal on your scenario.
How does Suncorp Bank's home loan rate compare to the market?
Suncorp Bank's lowest variable home loan rate today is 6.08% p.a., which is 1 basis points below the market median of 6.09% p.a., which puts Suncorp Bank among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Suncorp Bank sits right now rather than a fixed snapshot.
How many home loan products does Suncorp Bank offer?
Ratesniffers currently tracks 46 Suncorp Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Suncorp Bank competitive for refinancing?
It depends on your loan size and LVR. Suncorp Bank's lowest comparison rate is currently 6.12% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Suncorp Bank against the sharpest available rate usually pays off.
How often are Suncorp Bank's home loan rates updated?
Ratesniffers refreshes Suncorp Bank's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Suncorp Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
Suncorp Bank rates by borrower and loan type
The same Suncorp Bank panel, filtered to the scenario you're actually shopping for.
- Suncorp Bank owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- Suncorp Bank investor ratesInvestment lending, interest-only where offered.
- Suncorp Bank refinance ratesRefinance-eligible products versus your current rate.
- Suncorp Bank first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- Suncorp Bank fixed rates1 to 5-year terms where available.
- Suncorp Bank variable ratesFlexible repayments, offset-compatible products.
- Suncorp Bank interest-only ratesIO terms, mostly investor products.
- Suncorp Bank offset loans100% offset-account-eligible products.
Compare home loans across the market by purpose
The whole visible panel, sliced by what borrowers actually search for.
Research Suncorp Bank
Our independent review, and how they stack up head to head.
Other lenders you might compare
Same purpose-built rate cards, different lender panels.
Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.