Suncorp Bank home loan repayment calculator

Thinking about taking out a home loan with Suncorp Bank? Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how Suncorp Bank home loans compare with other options.

I am an

With a repayment type

Borrow amount

$

Deposit amount %

Loan term

Your estimated repayments

at interest rate 2.54 %

Total interest payable

$0

Total amount payable

$0

Pros and cons

  • Flexible loan options.
  • Specialised and package loans available.
  • Extensive branch access.
  • Monthly and annual fees.
  • Limited interest-only payments.
  • High rates.

Suncorp Bank home loans rates

Product
Advertised Rate
Total estimated upfront fees
Comparison Rate*
Ongoing fee
Go to site
Company

2.54%

Variable

$0

2.55%

$0
Suncorp Bank
More details

2.49%

Fixed - 5 years

$0

2.59%

$0 annually
Suncorp Bank
More details

2.64%

Variable

$0

2.65%

$0 annually
Suncorp Bank
More details

2.34%

Fixed - 2 years

$600

2.68%

$10 monthly
Suncorp Bank
More details

2.49%

Fixed - 5 years

$0

2.68%

$0 annually
Suncorp Bank
More details

2.69%

Variable

$0

2.70%

$0
Suncorp Bank
More details

2.94%

Variable

$0

2.70%

$0
Suncorp Bank
More details

2.29%

Fixed - 3 years

$0

2.76%

$375 annually
Suncorp Bank
More details

2.94%

Variable

$0

2.79%

$0
Suncorp Bank
More details

2.79%

Variable

$0

2.80%

$0 annually
Suncorp Bank
More details

2.79%

Variable

$0

2.80%

$0
Suncorp Bank
More details

2.89%

Variable

$0

2.84%

$0
Suncorp Bank
More details

2.19%

Fixed - 2 years

$0

2.86%

$375 annually
Suncorp Bank
More details

2.99%

Variable

$0

2.87%

$0 annually
Suncorp Bank
More details

1.99%

Fixed - 3 years

$0

2.90%

$375 annually
Suncorp Bank
More details

1.89%

Fixed - 2 years

$0

2.94%

$375 annually
Suncorp Bank
More details

2.99%

Variable

$0

2.99%

$0
Suncorp Bank
More details

2.49%

Fixed - 5 years

$0

3.00%

$375 annually
Suncorp Bank
More details

2.19%

Fixed - 3 years

$0

3.03%

$375 annually
Suncorp Bank
More details

2.29%

Fixed - 1 year

$0

3.03%

$375 annually
Suncorp Bank
More details

3.09%

Variable

$0

3.03%

$0
Suncorp Bank
More details

2.49%

Fixed - 5 years

$0

3.05%

$375 annually
Suncorp Bank
More details

2.64%

Variable

$0

3.06%

$375 annually
Suncorp Bank
More details

2.09%

Fixed - 2 years

$0

3.07%

$375 annually
Suncorp Bank
More details

2.99%

Variable

$0

3.14%

$375 annually
Suncorp Bank
More details

2.29%

Fixed - 1 year

$0

3.15%

$375 annually
Suncorp Bank
More details

3.09%

Variable

$0

3.17%

$375 annually
Suncorp Bank
More details

2.59%

Fixed - 3 years

$0

3.20%

$375 annually
Suncorp Bank
More details

3.19%

Variable

$0

3.20%

$0
Suncorp Bank
More details

3.19%

Variable

$0

3.20%

$375 annually
Suncorp Bank
More details

2.49%

Fixed - 3 years

$0

3.21%

$375 annually
Suncorp Bank
More details

2.79%

Variable

$0

3.21%

$375 annually
Suncorp Bank
More details

2.59%

Fixed - 2 years

$0

3.23%

$375 annually
Suncorp Bank
More details

2.99%

Variable

$0

3.23%

$375 annually
Suncorp Bank
More details

2.49%

Fixed - 2 years

$0

3.24%

$375 annually
Suncorp Bank
More details

2.74%

Fixed - 5 years

$0

3.25%

$375 annually
Suncorp Bank
More details

2.99%

Variable

$0

3.29%

$375 annually
Suncorp Bank
More details

2.89%

Variable

$0

3.30%

$375 annually
Suncorp Bank
More details

2.94%

Fixed - 1 year

$0

3.31%

$375 annually
Suncorp Bank
More details

3.14%

Fixed - 1 year

$0

3.32%

$375 annually
Suncorp Bank
More details

2.74%

Fixed - 5 years

$0

3.37%

$375 annually
Suncorp Bank
More details

2.69%

Fixed - 3 years

$0

3.40%

$375 annually
Suncorp Bank
More details

2.79%

Fixed - 3 years

$0

3.40%

$375 annually
Suncorp Bank
More details

2.79%

Fixed - 2 years

$0

3.43%

$375 annually
Suncorp Bank
More details

2.69%

Fixed - 2 years

$0

3.44%

$375 annually
Suncorp Bank
More details

3.04%

Fixed - 5 years

$0

3.47%

$375 annually
Suncorp Bank
More details

2.94%

Fixed - 1 year

$0

3.49%

$375 annually
Suncorp Bank
More details

3.14%

Fixed - 1 year

$0

3.50%

$375 annually
Suncorp Bank
More details

3.04%

Fixed - 5 years

$0

3.59%

$375 annually
Suncorp Bank
More details

2.79%

Fixed - 5 years

$0

3.75%

$375 annually
Suncorp Bank
More details

3.04%

Fixed - 5 years

$0

4.12%

$375 annually
Suncorp Bank
More details

3.73%

Variable

$0

4.13%

$375 annually
Suncorp Bank
More details

3.90%

Variable

$0

4.15%

$375 annually
Suncorp Bank
More details

2.79%

Fixed - 3 years

$0

4.22%

$375 annually
Suncorp Bank
More details

2.89%

Fixed - 3 years

$0

4.23%

$375 annually
Suncorp Bank
More details

2.79%

Fixed - 2 years

$0

4.33%

$375 annually
Suncorp Bank
More details

2.94%

Fixed - 5 years

$600

4.33%

$10 monthly
Suncorp Bank
More details

2.89%

Fixed - 2 years

$0

4.34%

$375 annually
Suncorp Bank
More details

4.40%

Variable

$600

4.47%

$0
Suncorp Bank
More details

4.57%

Variable

$600

4.47%

$0
Suncorp Bank
More details

2.44%

Fixed - 3 years

$600

4.50%

$10 monthly
Suncorp Bank
More details

4.20%

Variable

$0

4.59%

$375 annually
Suncorp Bank
More details

3.19%

Fixed - 5 years

$600

4.68%

$10 monthly
Suncorp Bank
More details

4.62%

Variable

$0

4.72%

$375 annually
Suncorp Bank
More details

4.82%

Variable

$600

4.83%

$0
Suncorp Bank
More details

2.94%

Fixed - 3 years

$600

4.94%

$10 monthly
Suncorp Bank
More details

3.04%

Fixed - 3 years

$600

4.97%

$10 monthly
Suncorp Bank
More details

5.24%

Variable

$600

5.00%

$0
Suncorp Bank
More details

2.94%

Fixed - 2 years

$600

5.14%

$10 monthly
Suncorp Bank
More details

3.04%

Fixed - 2 years

$600

5.16%

$10 monthly
Suncorp Bank
More details

4.98%

Variable

$600

5.17%

$10 monthly
Suncorp Bank
More details

5.15%

Variable

$600

5.20%

$10 monthly
Suncorp Bank
More details

5.45%

Variable

$600

5.61%

$10 monthly
Suncorp Bank
More details

5.87%

Variable

$600

5.77%

$10 monthly
Suncorp Bank
More details

Suncorp Bank customer service

Suncorp gives potential customers a number of ways to contact the bank, including a general customer phone line, as well as lines for share-trading, business and insurance. Home loan customers can also contact the bank via email, online, meet in person with a Suncorp employee at a local branch or arrange an appointment with a mobile lender. 

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Branch
  • Mobile banking staff

How to Apply

Suncorp Bank customers can apply for a home loan in a number of ways. Applications can be made online at the Suncorp website, by phone or by visiting a staff member at a local branch. Customers can also book an appointment with a mobile lender via the Suncorp website or by phone. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

  • Personal identification.
  • Proof of income and employment.
  • Proof of other income, including rental.
  • Proof of your current debts, liabilities and loans.
  • Details of other savings and assets.

For refinancers, you will also have to provide you home loan statements for the past three months and a current payout quote for the loan you wish to refinance. 

Learn more about Suncorp Bank

Who offers 40 year mortgages?

Home loans spanning 40 years are offered by select lenders, though the loan period is much longer than a standard 30-year home loan. You're more likely to find a maximum of 35 years, such as is the case with Teacher’s Mutual Bank

Currently, 40 year home loan lenders in Australia include AlphaBeta Money, BCU, G&C Mutual Bank, Pepper, and Sydney Mutual Bank.

Even though these lengthier loans 35 to 40 year loans do exist on the market, they are not overwhelmingly popular, as the extra interest you pay compared to a 30-year loan can be over $100,000 or more.

Mortgage Calculator, Loan Amount

How much you intend to borrow. 

What is an ombudsman?

An complaints officer – previously referred to as an ombudsman -looks at formal complaints from customers about their credit providers, and helps to find a fair and independent solution to these problems.

These services are handled by the Australian Financial Complaints Authority, a non-profit government organisation that addresses and resolves financial disputes between customers and financial service providers.

What is the average annual percentage rate?

Also known as the comparison rate, or sometimes the ‘true rate’ of a loan, the average annual percentage rate (AAPR) is used to indicate the overall cost of a loan after considering all the fees, charges and other factors, such as introductory offers and honeymoon rates.

The AAPR is calculated based on a standardised loan amount and loan term, and doesn’t include any extra non-standard charges.

Mortgage Calculator, Repayment Frequency

How often you wish to pay back your lender. 

Monthly Repayment

Your current monthly home loan repayment. To accurately calculate how much you could save, an accurate payment figure is required. If you are not certain, check your bank statement.

How much information is required to get a rating?

You don’t need to input any information to see the default ratings. But the more you tell us, the more relevant the ratings will become to you. We take your personal privacy seriously. If you are concerned about inputting your information, please read our privacy policy.

What do mortgage brokers do?

Mortgage brokers are finance professionals who help borrowers organise home loans with lenders. As such, they act as middlemen between borrowers and lenders.

While bank staff recommend home loan products only from their own employer, brokers are independent, so they can recommend products from a range of institutions.

Brokers need to be accredited with a particular lender to be able to work with that lender. A typical broker will be accredited with anywhere from 10 to 30 lenders – the big four banks, as well as a range of smaller banks, credit unions and non-bank lenders.

As a general rule, brokers don’t charge consumers for their services; instead, they receive commissions from lenders whenever they place a borrower with that institution.

Savings over

Select a number of years to see how much money you can save with different home loans over time.

e.g. To see how much you could save in two years by switching mortgages,  set the slider to 2.

What is a specialist lender?

Specialist lenders, also known as non-conforming lenders, are lenders that offer mortgages to ‘non-vanilla’ borrowers who struggle to get finance at mainstream banks.

That includes people with bad credit, as well as borrowers who are self-employed, in casual employment or are new to Australia.

Specialist lenders take a much more flexible approach to assessing mortgage applications than mainstream banks.

What is the ratings scale?

The ratings are between 0 and 5, shown to one decimal point, with 5.0 as the best. The ratings should be used as an easy guide rather than the only thing you consider. For example, a product with a rating of 4.7 may or may not be better suited to your needs than one with a rating of 4.5, but both are probably much better than one with a rating of 1.2.

How common are low-deposit home loans?

Low-deposit home loans aren’t as common as they once were, because they’re regarded as relatively risky and the banking regulator (APRA) is trying to reduce risk from the mortgage market.

However, if you do your research, you’ll find there is still a fairly wide selection of banks, credit unions and non-bank lenders that offers low-deposit home loans.

How does a redraw facility work?

A redraw facility attached to your loan allows you to borrow back any additional repayments that you have already paid on your loan. This can be a beneficial feature because, by paying down the principal with additional repayments, you will be charged less interest. However you will still be able to access the extra money when needed.

Why should you trust Real Time Ratings?

Real Time Ratings™ was conceived by a team of data experts who have been analysing trends and behaviour in the home loan market for more than a decade. It was designed purely to meet the evolving needs of home loan customers who wish to merge low cost with flexible features quickly. We believe it fills a glaring gap in the market by frequently re-rating loan products based on the changes lenders make daily.

Real Time Ratings™ is a new idea and will change over time to match the frequently-evolving demands of the market. Some things won’t change though – it will always rate all relevent products in our database and will not be influenced by advertising.

If you have any feedback about Real Time Ratings™, please get in touch.

How often is your data updated?

We work closely with lenders to get updates as quick as possible, with updates made the same day wherever possible.