Interest
6.54%p.a.
Comparison*
6.34%p.a.
Est. repayment
$3,174
LVR ≤80%
Suncorp Bank Home Loan Rates
What are Suncorp home loan rates?
Suncorp home loan rates for an owner-occupier principal-and-interest loan at 80% LVR are 6.18% p.a. (6.18% comparison rate) for an owner-occupier principal-and-interest loan at 80% LVR, as of 27 August 2026. Suncorp home loan interest rates in that slot use the same verified figures. Suncorp Bank home loans are the owner-occupier and investor products on this page. compare all lenders on the wider market table. This is general information, not a recommendation to borrow.
| Product | Type | Rate p.a. | Comparison rate* | LVR |
|---|---|---|---|---|
| Home Package Plus $150k+ 70% - 80% LVR Owner Occupied Special P&I | Variable | 6.18% | 6.18% | 80% |
| 1,2,3 or 5 Year Fixed Rate - Home Package Plus Special Offers | 1-year fixed | 6.29% | 6.19% | 80% |
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.
Tracked products
171
Lowest variable
6.08%
Lowest fixed
6.24%
Lowest comparison
6.13%
Last updated
11 Sept 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 are Suncorp Bank home loan rates?
Suncorp Bank home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.08% p.a. and the lowest fixed rate currently 6.24% p.a., checked daily (last verified 11 Sept 2026). Compare Suncorp Bank against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
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 44 Suncorp Bank products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does Suncorp Bank offer?
Ratesniffers currently tracks 171 Suncorp Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 44 that pass our data-quality checks on this page. 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.
The figures on this page cover Suncorp home loans, not deposit products. For service, features and lender fit rather than rate comparison, read the independent Suncorp Bank review. To compare home loan rates Australia, open the wider market table ranked by comparison rate.
Suncorp Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Fixed 5-year Owner-occupier P&I | 6.54% p.a. | 6.34% p.a. | 80% |
| Variable Owner-occupier interest-only | 6.56% p.a. | n/a | 60% |
| Variable Owner-occupier interest-only | 6.56% p.a. | n/a | 70% |
| Fixed 3-year Owner-occupier P&I | 6.64% p.a. | 6.58% p.a. | n/a |
| Fixed 3-year Owner-occupier P&I | 6.64% p.a. | 6.58% p.a. | n/a |
| Fixed 3-year Investor interest-only | 6.64% p.a. | n/a | 80% |
| Fixed 3-year Owner-occupier P&I | 6.64% p.a. | 6.58% p.a. | 90% |
| Fixed 5-year Investor P&I | 6.64% p.a. | 6.44% p.a. | 80% |
| Fixed 1-year Investor interest-only | 6.49% p.a. | 6.65% p.a. | n/a |
| Variable Owner-occupier interest-only | 6.66% p.a. | n/a | 80% |
| Variable Investor interest-only | 6.38% p.a. | 6.67% p.a. | n/a |
| Fixed 2-year Investor interest-only | 6.69% p.a. | 6.66% p.a. | n/a |
44 of 171 tracked Suncorp Bank home loan products
Interest
6.56%p.a.
Comparison*
Not available
Est. repayment
$3,180
LVR ≤60%
Interest
6.56%p.a.
Comparison*
Not available
Est. repayment
$3,180
LVR 60 to 70%
Interest
6.64%p.a.
Comparison*
6.58%p.a.
Est. repayment
$3,207
LVR ≤95%
Interest
6.64%p.a.
Comparison*
6.58%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
Not available
Est. repayment
$3,207
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.58%p.a.
Est. repayment
$3,207
LVR 80 to 90%
Interest
6.64%p.a.
Comparison*
6.44%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.49%p.a.
Comparison*
6.65%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.66%p.a.
Comparison*
Not available
Est. repayment
$3,213
LVR 70 to 80%
Interest
6.38%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,121
LVR 70 to 80%
Interest
6.69%p.a.
Comparison*
6.66%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR 80 to 90%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.71%p.a.
Est. repayment
$3,174
LVR 70 to 80%
Interest
6.74%p.a.
Comparison*
6.64%p.a.
Est. repayment
$3,240
LVR ≤95%
Interest
6.74%p.a.
Comparison*
6.64%p.a.
Est. repayment
$3,240
LVR ≤95%
Interest
6.74%p.a.
Comparison*
6.64%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.74%p.a.
Comparison*
6.64%p.a.
Est. repayment
$3,240
LVR 80 to 90%
Interest
6.54%p.a.
Comparison*
6.84%p.a.
Est. repayment
$3,174
LVR ≤90%
Interest
6.54%p.a.
Comparison*
6.84%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.54%p.a.
Comparison*
6.84%p.a.
Est. repayment
$3,174
LVR 80 to 90%
Interest
6.84%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,273
LVR ≤80%
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 80 to 90%
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 80 to 90%
Suncorp BankBack to Basics Better Together Bundle Investment 80% - 90% LVR P&I Special
VariableRedraw
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR 80 to 90%
Interest
6.84%p.a.
Comparison*
Not available
Est. repayment
$3,273
LVR ≤90%
Interest
6.69%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,223
LVR ≤90%
Interest
6.69%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,223
LVR ≤80%
Interest
6.69%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,223
LVR 80 to 90%
Interest
6.44%p.a.
Comparison*
6.86%p.a.
Est. repayment
$3,141
LVR 80 to 90%
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Est. repayment
$3,273
LVR ≤90%
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Est. repayment
$3,273
LVR ≤80%
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Est. repayment
$3,273
LVR 80 to 90%
Interest
6.89%p.a.
Comparison*
6.78%p.a.
Est. repayment
$3,290
LVR ≤80%
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR 80 to 90%
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR 80 to 90%
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR ≤90%
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR ≤90%
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR ≤90%
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR ≤90%
Interest
7.09%p.a.
Comparison*
6.79%p.a.
Est. repayment
$3,357
LVR ≤95%
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤90%
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤90%
*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.
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.
Suncorp Bank's lowest variable rate today is 6.08% p.a., against a 6.67%p.a. average across the big four banks' own lowest variable rates. On a $600,000 loan, that gap is worth roughly $3,540 a year in interest.
Suncorp Bank has priced its own home loan range separately from parent ANZ since the 2024 acquisition, so compare both brands in the table above before choosing.
Background facts checked 5 September 2026. Rates above refresh independently.
Suncorp Bank home loan products explained
The line-up as published by Suncorp Bank, checked 5 September 2026. Today's rate for each product is in the table above.
| Product | Who it is for | What to know |
|---|---|---|
| Back to Basics Variable | Borrowers who want a low-fee variable loan without an offset account. | No offset, unlimited extra repayments with redraw, $0 monthly and $0 annual fee, $0 establishment fee on new lending of $150,000 or more (otherwise $600 under 90% LVR or $990 at 90% LVR and above), principal and interest. |
| Home Package Plus | Borrowers with $150,000 or more in eligible home loans who want offset and packaged pricing. | Bundles Standard Variable or Fixed Rate loans with an Everyday Options account and mortgage offset. $375 annual fee normally, currently waived for the life of the loan on eligible new packages applied for from 15 May 2026 at up to 60% LVR with principal and interest repayments. |
| Standard Variable Rate | Borrowers who want offset and flexibility, usually inside Home Package Plus. | Minimum lending $10,000, offset available, no discount margins on the standalone rate. |
| Fixed Rate | Borrowers who want repayment certainty. | Extra repayments up to $500 a month without penalty, Early Payment Interest Adjustment above that, any interest-only period must match the fixed term. |
Suncorp Bank fees, offset and limits at a glance
- Application or establishment fee
- $600 application fee (excludes Home Package Plus) $990 for >90% LVR
- Discharge fee
- $350
- Settlement fee
- $0
- Additional valuation fee
- $150
- Rate lock fee
- Higher of $600 or 0.15% of the loan value for standard fixed rate loans
- Loan portability
- $300 Renegotiation fee (excludes Home Package Plus)
- Offset account
- Optional 100% offset applicable on the Standard Variable Loan.
- Minimum offset balance
- No trigger amount
- Lenders mortgage insurer
- QBE LMI
- Capitalising LMI
- Max 95% LVR (inc LMI) for O/O purchases ; Max 90% (inc LMI) for Investment, construction, refinance, I/O, and…
- Extra repayments on fixed
- $500 extra monthly repayments at no EPIA
- When the fixed rate is locked
- Rate set at settlement but can pay a fee to fix
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Suncorp Bank home loan fees and policy
- Home Package Plus normally costs $375 a year and waives the $600 or $990 establishment fee, the $10 monthly account keeping fee and the $75 mortgage offset fee. Suncorp Bank's current offer waives the annual fee for the life of the loan on eligible new packages of $150,000 or more applied for from 15 May 2026, at up to 60% LVR with principal and interest repayments; pre-approvals are excluded.
- Home Package Plus is available to personal customers and non-corporate family trust trustees, not to companies.
- Back to Basics has no monthly or annual fee and a $0 establishment fee on new lending of $150,000 or more.
- Suncorp Bank says first home buyers can apply with a deposit as low as 5% excluding costs, with Lenders Mortgage Insurance payable when borrowing above 80% LVR.
- Suncorp Bank's own site does not state whether it participates in the Australian Government 5% Deposit Scheme, so Ratesniffers makes no claim either way; ask the bank directly.
- Suncorp Bank (Norfina Limited, Australian Credit Licence 229882) has been part of ANZ Group since ANZ completed its acquisition on 31 July 2024.
Sources checked 5 September 2026: www.suncorpbank.com.au, www.suncorpbank.com.au, www.suncorpbank.com.au, www.suncorpbank.com.au, Suncorp Bank home loans, Suncorp Bank Home Package Plus, Suncorp Bank Back to Basics, Suncorp Bank first home buyers.
Suncorp Bank home loans: frequently asked questions
What are Suncorp home loan rates?
Suncorp home loan rates for an owner-occupier principal-and-interest loan at 80% LVR are 6.18% p.a. (6.18% comparison rate) for an owner-occupier principal-and-interest loan at 80% LVR, as of 27 August 2026. Compare all lenders at /home-loans. This is general information, not a recommendation to borrow.
What are Suncorp Bank home loans?
Suncorp home loan rates for an owner-occupier principal-and-interest loan at 80% LVR are 6.18% p.a. (6.18% comparison rate) for an owner-occupier principal-and-interest loan at 80% LVR, as of 27 August 2026. Suncorp home loan interest rates in that slot use the same verified figures. Suncorp Bank home loans are the owner-occupier and investor products in the live table on this page. Compare all lenders at /home-loans.
What are Suncorp home loan interest rates?
Suncorp home loan interest rates for an owner-occupier principal-and-interest loan at 80% LVR are 6.18% p.a. (6.18% comparison rate) for an owner-occupier principal-and-interest loan at 80% LVR, as of 27 August 2026. Compare all lenders at /home-loans. This is general information, not a recommendation to borrow.
What are Suncorp Bank home loan rates?
Suncorp Bank home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.08% p.a., and the lowest fixed rate is 6.24% p.a., checked daily (last verified 11 Sept 2026). Compare Suncorp Bank against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Suncorp Bank balance, use /calculators/extra-repayment.
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 44 Suncorp Bank products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate Suncorp Bank approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Suncorp Bank home loan?
At Suncorp Bank's lowest variable rate of 6.08% p.a., a $600,000 principal and interest loan over 30 years repays about $3,628 a month, and $500,000 about $3,024. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Suncorp Bank home loan?
There is no single salary. Like every Australian lender, Suncorp Bank must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.08% p.a. is assessed at about 9.08% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
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 16 basis points below the market median of 6.24% 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 does Suncorp Bank's home loan rate compare to the big four banks?
Suncorp Bank's lowest variable home loan rate today is 6.08% p.a., against a 6.67% p.a. average across the big four banks' own lowest variable rates. On a $600,000 loan, that gap is worth roughly $3,540 a year in interest, computed daily from the live rates Ratesniffers tracks across every lender.
How many home loan products does Suncorp Bank offer?
Ratesniffers currently tracks 171 Suncorp Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 44 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing 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 6.13% 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 11 Sept 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.
How long does Suncorp Bank take to approve a home loan?
Suncorp Bank does not publish a set turnaround for pre-approval or formal approval. Its application process runs through four stages: an assessor reviews the application and may ask for more documents; a decision is issued as deferred, conditional approval, final approval or decline; loan documents are prepared and signed; then settlement is booked. Final approval is confirmed by SMS.
Does Suncorp Bank have an offset account, and what does it cost?
Yes. Suncorp Bank offers a 100% mortgage offset on its Standard Variable Rate home loan through an Everyday Options Account in offset mode. Sub-account balances count too, and accounts in offset mode earn no interest. A one-off $75 Mortgage Offset Fee applies unless the loan sits in a Home Package Plus, where it is waived.
What fees does Suncorp Bank charge on a home loan?
Suncorp Bank's lending fee schedule, effective 23 July 2026, lists a $600 establishment fee for loans under 90% LVR or $990 at 90% LVR and above, a $10 monthly account keeping fee on Standard Variable and Fixed Rate loans, a $350 loan finalisation fee when a loan is paid out, and a $150 fee for any additional valuation.
Does Suncorp Bank offer construction loans?
Yes. Suncorp Bank writes construction loans on its Back to Basics or Variable Rate with Offset home loans. The bank pays your builder in stages against the progress payment schedule in the building contract, interest is charged only on the amount drawn down during construction, and you can request interest-only repayments while building, subject to credit approval.
What are Suncorp Bank's home loan rates in September 2026?
Suncorp Bank's current home loan rates are in the live table above, ranked by comparison rate and refreshed from the bank's published pricing rather than frozen into this answer. Back to Basics, Home Package Plus, Standard Variable and Fixed Rate loans price differently by LVR and loan size, so compare comparison rates, which include the package fee where one applies.
Is Suncorp Bank a good lender for a home loan?
It depends on your scenario. Suncorp Bank offers a low-fee Back to Basics variable loan, a Home Package Plus with offset whose $375 annual fee is currently waived for the life of the loan on eligible new packages, and fixed terms. Since 31 July 2024 it has been part of ANZ Group. Judge it on comparison rate against the table above, not on brand.
Does Suncorp Bank charge an annual fee on its home loans?
Home Package Plus normally costs $375 a year, but Suncorp Bank is waiving that fee for the life of the loan on eligible new packages of $150,000 or more applied for from 15 May 2026, at up to 60% LVR with principal and interest repayments. Back to Basics has no annual or monthly fee, and a $0 establishment fee on new lending of $150,000 or more.
Is Suncorp Bank still Suncorp, or is it ANZ?
Suncorp Bank is now owned by ANZ. ANZ completed its acquisition of Norfina Limited, which trades as Suncorp Bank, on 31 July 2024, and the Suncorp Bank brand continues under ANZ Group with its own product range and pricing. Compare Suncorp Bank and ANZ separately in the table above, because each brand prices its own loans.
Can first home buyers get a Suncorp Bank home loan with a 5% deposit?
Suncorp Bank says first home buyers can apply with a deposit as low as 5% excluding costs, with Lenders Mortgage Insurance payable when borrowing above 80% LVR. Its site does not state whether it participates in the Australian Government 5% Deposit Scheme, so ask the bank directly before relying on the scheme. Queensland buyers may also qualify for state grants and duty concessions.