Back to Basics Variable Rate
A basic Home Loan for lending less than $150,000
- From (owner occupied)
- 8.65%
- 8.73% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 8.65% | 8.73% | LVR <95%Total Mortgage Lending (TML) |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 8.82% | 8.78% | LVR <90%Total Mortgage Lending (TML) |
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 9.07% | 9.12% |
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 |
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
Eligibility
- Home Loans provided to approved applicants only. Credit and lending criteria applies and is subject to change without notice
Constraints
- Maximum limit — $3,750,000.00Maximum Loan Balance of $3,750,000
- Minimum limit — $10,000.00Minimum 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
Published by Suncorp Bank under the Consumer Data Right · Last updated 14 May 2026 · Product ID BTB · View on CDR.gov.au