---
title: "Back to Basics Variable Rate — Suncorp Bank"
description: "Home Loans from Suncorp Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/suncorp-bank/products/BTB
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-14T14:00:00.000Z
---

# Back to Basics Variable Rate — Suncorp Bank

> Home Loans from Suncorp Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

A basic Home Loan for lending less than $150,000

## At a glance

- **From (owner occupied):** 8.65% (8.73% comparison)

## Apply

Applications are handled by the provider: [Apply at Suncorp Bank](https://www.suncorpbank.com.au/home-loans/home-loan-experts.html)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 8.65% | 8.73% | LVR <95%; Total Mortgage Lending (TML) $10,000–$3,750,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 8.82% | 8.78% | LVR <90%; Total Mortgage Lending (TML) $10,000–$3,750,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 9.07% | 9.12% | LVR <90%; Total Mortgage Lending (TML) $10,000–$3,750,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 9.49% | 9.32% | LVR <90%; Total Mortgage Lending (TML) $10,000–$3,750,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Additional Valuation Fee — 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 security, than this fee will apply. | Event | $150.00 |
| Arrears Administration Fee — The bank at its discretion will charge either an Arrears Administration Fee or Default Interest if an event of default in payment occurs. | Event | $20.00 |
| Copy of Documents Fee — Payable if we are required to obtain a copy of a document, including Mortgage or title search. | Event | $35.00 |
| Default Interest — The bank at its discretion will charge either an Arrears Administration Fee or Default Interest if an event of default in payment occurs. | Event | 2% of balance |
| Establishment Fee — Applies to loans where borrowings are less than 90% of the property value, waived for loans over $150,000 | Upfront | $600.00 |
| Establishment Fee — Applies to loans where borrowings are greater than or equal to 90% of the property value, waived for loans over $150,000 | Upfront | $990.00 |
| Guarantor Fee — Applies if a guarantor is included in the loan. Fee is per guarantor. | Event | $200.00 |
| Loan Finalisation Fee — Applies when a loan is paid out in full, This includes settlements, refinances and payouts. | Event | $350.00 |
| Progressive Funding Fee — Applies at loan settlement or first draw (at the Bank's discretion) for any part of the loan provided for construction purposes. | Event | $300.00 |
| Renegotiation Fee — Payable when you request a change to the Credit Contract or Security and this change is completed. | Event | $300.00 |
| Staff Assisted Home Loan Repayment Fee — The fee will apply for transfers made to a Back to Basics Variable Home Loan at a Suncorp Bank Branch. | Event | $5.00 |

## Features

- **No monthly account keeping fee**
- **No ongoing annual fee**
- **Extra repayments** (Unlimited additional repayments)
- **Redraw facility** (Redraw additional repayments as cashback, with no cashback fee and unlimited withdrawals)
- **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**
- **Digital banking**
- **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.**

## Eligibility

- **Home Loans provided to approved applicants only. Credit and lending criteria applies and is subject to change without notice**

## Constraints

- **Maximum limit** — $3,750,000.00 (Maximum Loan Balance of $3,750,000)
- **Minimum limit** — $10,000.00 (Minimum Loan Balance of $10,000)
- **Minimum LVR** — 1% (Minimum LVR of 1%)
- **Maximum LVR** — 95% (Maximum LVR of 95%. Up to 95% for Owner Occupied P&I. Up to 90% for Investment Loans and Interest Only Repayment Type)

## More information from Suncorp Bank

- [Overview](https://www.suncorpbank.com.au/home-loans/basics.html)
- [Terms & conditions](https://www.suncorpbank.com.au/content/dam/suncorp/bank/documents/product-information/personal-business-lending-fees-and-charges.pdf)

## Data provenance

- Published by Suncorp Bank under the Consumer Data Right
- Product ID: `BTB`
- Last updated by the provider: 14 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/suncorp-bank/BTB
- Provider page: https://www.cdrcompare.au/brands/suncorp-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000101

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/suncorp-bank/products/BTB) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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