Suncorp Bank
Standard Variable Rate
A full featured Home Loan for lending less than $150,000
Home loansBank updated 15 May 2026
At a glance
- Variable (owner occ. P&I)
- 9.23% · 9.41% comparison
- Variable (investor P&I)
- 9.70%
- Max LVR
- 95%
- Annual fee
- $120
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 4
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment · Interest only | — | 1–90% LVR · $10,000–$3,750,000 | 10.12% | 10.05% | — |
| Variable | Investment · P&I | — | 1–90% LVR · $10,000–$3,750,000 | 9.70% | 9.85% | — |
| Variable | Owner occupied · Interest only | — | 1–90% LVR · $10,000–$3,750,000 | 9.40% | 9.45% | — |
| Variable | Owner occupied · P&I | — | 1–95% LVR · $10,000–$3,750,000 | 9.23% | 9.41% | — |
§ 02 — Fees · 12
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Additional Valuation Fee | Event | $150 | — | The first valuation assessment for each loan application is provided by the Bank. If any additional valuation assessments that involve a physical inspection are obtained by us for assessing the loan… |
| Arrears Administration Fee | Event | $20 | — | The bank at its discretion will charge either an Arrears Administration Fee or Default Interest if an event of default in payment occurs. |
| Copy of Documents Fee | Event | $35 | — | Payable if we are required to obtain a copy of a document, including Mortgage or title search. |
| Default Interest | Event | 2.00% of balance | — | The bank at its discretion will charge either an Arrears Administration Fee or Default Interest if an event of default in payment occurs. |
| Guarantor Fee | Event | $200 | — | Applies if a guarantor is included in the loan. Fee is per guarantor. |
| Loan Finalisation Fee | Event | $350 | — | Applies when a loan is paid out in full, This includes settlements, refinances and payouts. |
| Mortgage Offset | Event | $75 | — | Applies if you choose to establish and link the optional offset facility to your home loan. |
| Progressive Funding Fee | Event | $300 | — | Applies at loan settlement or first draw (at the Bank's discretion) for any part of the loan provided for construction purposes. |
| Renegotiation Fee | Event | $300 | — | Payable when you request a change to the Credit Contract or Security and this change is completed. |
| Monthly Account Keeping Fee | Periodic | $10 | Every 1 mo | Please refer to your Credit Contract for detail on when Ongoing Fees are charged. |
| Establishment Fee | Upfront | $600 | — | Applies to loans where borrowings are less than 90% of the property value, waived for loans over $150,000 |
| Establishment Fee | Upfront | $990 | — | Applies to loans where borrowings are greater than or equal to 90% of the property value, waived for loans over $150,000 |
§ 03 — Features
Offset accountRedrawExtra repaymentsDigital banking
- · The choice of Interest Only repayments for a maximum period of five years and subject to you satisfying applicable bank criteria
- · Ability to add additional funds. An additional Loan is available (subject to satisfying our credit requirements) and fees and conditions may also apply
- · Phone Banking
- · Ability to set up automated repayments
- · Ability to split the loan balance into multiple loan accounts to take advantage of both fixed and variable interest rates.
§ 04 — Eligibility & limits
- · Amount $10,000 to $3,750,000
- · Maximum LVR 95%
- · Home Loans provided to approved applicants only. Credit and lending criteria applies and is subject to change without notice
§ 06 — Run the numbers
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Published by Suncorp Bank under the Consumer Data Right, last changed by them on 15 May 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.