This product is available in different versions. Pick the right version for you here.
The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $10,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $10,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan of at least $10,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan of at least $10,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $10,000 with an LVR below 90%
Choose the version of this loan that suits you best
Availability | Loan type | LVR | Min loan amount | Max loan amount | |
---|---|---|---|---|---|
| Owner Occupier | Principal & Interest | < 90% | $150,000 | |
| Owner Occupier | Principal & Interest | 90%-95% | $150,000 | |
| Owner Occupier | Interest Only | < 90% | $150,000 | |
| Investor | Principal & Interest | < 90% | $150,000 | |
| Investor | Interest Only | < 90% | $150,000 | |
| Owner Occupier | Principal & Interest | < 90% | $10,000 | |
| Owner Occupier | Principal & Interest | 90%-95% | $10,000 | |
| Owner Occupier | Interest Only | < 90% | $10,000 | |
| Investor | Principal & Interest | < 90% | $10,000 | |
| Investor | Interest Only | < 90% | $10,000 |
Owner Occupier (Principal & Interest)
LVR < 90%
Loan: $150,000
Owner Occupier (Principal & Interest)
LVR 90%-95%
Loan: $150,000
Owner Occupier (Interest Only)
LVR < 90%
Loan: $150,000
Investor (Principal & Interest)
LVR < 90%
Loan: $150,000
Investor (Interest Only)
LVR < 90%
Loan: $150,000
Owner Occupier (Principal & Interest)
LVR < 90%
Loan: $10,000
Owner Occupier (Principal & Interest)
LVR 90%-95%
Loan: $10,000
Owner Occupier (Interest Only)
LVR < 90%
Loan: $10,000
Investor (Principal & Interest)
LVR < 90%
Loan: $10,000
Investor (Interest Only)
LVR < 90%
Loan: $10,000
3.03% p.a.
3.04% p.a.
$0.00
Suncorp Back to Basics
3.03% p.a.
3.04% p.a.
$0.00
Suncorp Back to Basics
3.03% p.a.
3.04% p.a.
$0.00
3.44% p.a.
3.45% p.a.
$0.00
Suncorp Back to Basics
3.44% p.a.
3.45% p.a.
$0.00
Suncorp Back to Basics
3.44% p.a.
3.45% p.a.
$0.00
3.84% p.a.
3.35% p.a.
$0.00
Suncorp Back to Basics
3.84% p.a.
3.35% p.a.
$0.00
Suncorp Back to Basics
3.84% p.a.
3.35% p.a.
$0.00
3.33% p.a.
3.34% p.a.
$0.00
Suncorp Back to Basics
3.33% p.a.
3.34% p.a.
$0.00
Suncorp Back to Basics
3.33% p.a.
3.34% p.a.
$0.00
3.53% p.a.
3.54% p.a.
$0.00
Suncorp Back to Basics
3.53% p.a.
3.54% p.a.
$0.00
Suncorp Back to Basics
3.53% p.a.
3.54% p.a.
$0.00
4.65% p.a.
4.70% p.a.
$0.00
Suncorp Back to Basics
4.65% p.a.
4.70% p.a.
$0.00
Suncorp Back to Basics
4.65% p.a.
4.70% p.a.
$0.00
4.65% p.a.
4.72% p.a.
$0.00
Suncorp Back to Basics
4.65% p.a.
4.72% p.a.
$0.00
Suncorp Back to Basics
4.65% p.a.
4.72% p.a.
$0.00
4.82% p.a.
4.72% p.a.
$0.00
Suncorp Back to Basics
4.82% p.a.
4.72% p.a.
$0.00
Suncorp Back to Basics
4.82% p.a.
4.72% p.a.
$0.00
5.07% p.a.
5.08% p.a.
$0.00
Suncorp Back to Basics
5.07% p.a.
5.08% p.a.
$0.00
Suncorp Back to Basics
5.07% p.a.
5.08% p.a.
$0.00
5.49% p.a.
5.25% p.a.
$0.00
Suncorp Back to Basics
5.49% p.a.
5.25% p.a.
$0.00
Suncorp Back to Basics
5.49% p.a.
5.25% p.a.
$0.00
Last updated: 18 October 2019.
No upfront or ongoing fees
3.03% (3.04% comparison rate*)
Complimentary extra repayments
$350 discharge fee
Suncorp’s Back to Basics home loan offers a competitive 3.03% variable (3.04% comparison rate*) with minimal fees and a number of flexible features. Love a bundle deal? If you combine your loan with an Everyday Basics bank account, Suncorp will discount your home loan rate and even give you 20% off your first year’s premium on a new Suncorp home insurance policy.
If you need minimal fees, flexibility and a bunch of offers, look no further than the Suncorp Back to Basics home loan. There are a range of repayment options for owner occupiers and investors paying principal and interest or interest only, with variable rates starting at a competitive 3.03% (3.04% comparison rate*). Not only that, there are no application or ongoing service fees over the life of the loan.
This flexible home loan gives borrowers the option to make weekly, fortnightly or monthly repayments as well as offering complimentary extra repayments. There is also a redraw facility, but there are some conditions - only the first redraw of every month is free and there is a minimum redraw amount of $1,000.
And if that’s not enough, meet the Better Together Special offer. This deal offers borrowers a discounted rate if they combine their Suncorp Back to Basics home loan with a Suncorp Everyday Basics bank account. Not only that, if you’re on the hunt for home and contents insurance, you could receive 20% off the first year’s premium on a new Suncorp policy when you combine your Suncorp home loan and Suncorp bank account.This loan could be good for someone is looking for a competitive rate, needs flexible repayment options and is also looking to save through combining other Suncorp products with the loan.
While there are no application or ongoing fees, remember that you will be slapped with a $350 discharge fee once you’ve paid out your loan. There’s no offset account option available with the loan.
3.03% p.a.
n/a
n/a
n/a
3.04% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$350.00
$150,000
none
none
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
Yes - free
no
first redraw per month free
$1,000.00
yes
no
none
none
none
3.44% p.a.
n/a
n/a
n/a
3.45% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$350.00
$150,000
none
90.00%
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
Yes - free
no
first redraw per month free
$1,000.00
yes
no
none
none
none
3.84% p.a.
n/a
n/a
n/a
3.35% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$350.00
$150,000
none
none
90.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
Yes - free
no
first redraw per month free
$1,000.00
yes
no
none
none
none
3.33% p.a.
n/a
n/a
n/a
3.34% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$350.00
$150,000
none
none
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
Yes - free
no
first redraw per month free
$1,000.00
yes
no
none
none
none
3.53% p.a.
n/a
n/a
n/a
3.54% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$350.00
$150,000
none
none
90.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
Yes - free
no
first redraw per month free
$1,000.00
yes
no
none
none
none
4.65% p.a.
n/a
n/a
n/a
4.70% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$0.00
$350.00
$10,000
none
none
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
Yes - free
no
first redraw per month free
$1,000.00
yes
no
none
none
none
4.65% p.a.
n/a
n/a
n/a
4.72% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$990.00
$0.00
$0.00
$0.00
n/a
$0.00
$350.00
$10,000
none
90.00%
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
Yes - free
no
first redraw per month free
$1,000.00
yes
no
none
none
none
4.82% p.a.
n/a
n/a
n/a
4.72% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$0.00
$350.00
$10,000
none
none
90.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
Yes - free
no
first redraw per month free
$1,000.00
yes
no
none
none
none
5.07% p.a.
n/a
n/a
n/a
5.08% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$0.00
$350.00
$10,000
none
none
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
Yes - free
no
first redraw per month free
$1,000.00
yes
no
none
none
none
5.49% p.a.
n/a
n/a
n/a
5.25% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$0.00
n/a
$0.00
$350.00
$10,000
none
none
90.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
Yes - free
no
first redraw per month free
$1,000.00
yes
no
none
none
none
Excellent service at the branch. I have recently changed banks from NAB to Suncorp and have found...
Read full review
Excellent service at the branch. I have recently changed banks from NAB to Suncorp and have found the rates and service far better. Bye bye NAB after 37 years! It doesn’t pay to be loyal.
Less
Joanne | Queensland
reviewed 4 days ago
I was in severe financial hardship and all they were worried about was me selling the house to...
Read full review
I was in severe financial hardship and all they were worried about was me selling the house to protect their interest, not to give me time to fix my situation.
Less
Terry | Queensland
reviewed 16 days ago
Likes - Great customer services. Dislikes - withdraw facilities.
Read full review
Likes - Great customer services. Dislikes - withdraw facilities.
Less
Emily | New South Wales
reviewed 21 days ago
Competitive rates.
Read full review
Competitive rates.
Less
Lisa | Victoria
reviewed 30 days ago
Great products and very competitive mortgage interest rates.
Read full review
Great products and very competitive mortgage interest rates.
Less
Torkild | Queensland
reviewed about 1 month ago
From small beginnings as a Queensland agricultural bank, Suncorp has grown to become Australia's sixth largest bank. Today Suncorp provides term deposits, savings accounts, home loans, personal loans and other financial services to over 800,000 customers through 178 retail outlets, 680 ATMs, 46 Business Centres, online banking and 24-hour call centres. Suncorp's branches are spread mainly throughout Queensland, Victoria and New South Wales, but are expanding into other states.
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