---
title: "1,2,3 or 5 Year Fixed 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/FX
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-22T14:00:00.000Z
---

# 1,2,3 or 5 Year Fixed 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**

1,2,3 or 5 Year Fixed Rate

## At a glance

- **From (owner occupied):** 6.69% (8.85% 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 |
| --- | --- | --- | --- |
| Fixed · 2 years | 6.69% | 8.85% | LVR <95%; Total Mortgage Lending (TML) $10,000–$3,750,000 |
| Fixed · 1 year | 6.74% | 9.12% | LVR <95%; Total Mortgage Lending (TML) $10,000–$3,750,000 |
| Fixed · 3 years | 6.89% | 8.68% | LVR <95%; Total Mortgage Lending (TML) $10,000–$3,750,000 |
| Fixed · 5 years | 6.99% | 8.37% | LVR <95%; Total Mortgage Lending (TML) $10,000–$3,750,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years | 6.84% | 8.86% | LVR <90%; Total Mortgage Lending (TML) $10,000–$3,750,000 |
| Fixed · 1 year | 6.94% | 9.11% | LVR <90%; Total Mortgage Lending (TML) $10,000–$3,750,000 |
| Fixed · 3 years | 7.04% | 8.7% | LVR <90%; Total Mortgage Lending (TML) $10,000–$3,750,000 |
| Fixed · 5 years | 7.09% | 8.4% | LVR <90%; Total Mortgage Lending (TML) $10,000–$3,750,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years | 6.79% | 9.2% | LVR <90%; Total Mortgage Lending (TML) $10,000–$3,750,000 |
| Fixed · 1 year | 6.89% | 9.51% | LVR <90%; Total Mortgage Lending (TML) $10,000–$3,750,000 |
| Fixed · 3 years | 6.94% | 8.98% | LVR <90%; Total Mortgage Lending (TML) $10,000–$3,750,000 |
| Fixed · 5 years | 7.09% | 8.62% | LVR <90%; Total Mortgage Lending (TML) $10,000–$3,750,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years | 6.94% | 9.24% | LVR <90%; Total Mortgage Lending (TML) $10,000–$3,750,000 |
| Fixed · 1 year | 6.94% | 9.52% | LVR <90%; Total Mortgage Lending (TML) $10,000–$3,750,000 |
| Fixed · 3 years | 7.09% | 9.04% | LVR <90%; Total Mortgage Lending (TML) $10,000–$3,750,000 |
| Fixed · 5 years | 7.14% | 8.67% | 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 |
| Early Payment Interest Adjustment (EPIA) — Charged when you, (a) Payout the loan during a Fixed Rate period (b) Pay more than the agreed monthly amount (c) Vary or break out of a Fixed Rate period. | Other | From $0.00 |
| Establishment Fee — Applies to loans where borrowings are less than 90% of the property value | Upfront | $600.00 |
| Establishment Fee — Applies to loans where borrowings are greater than or equal to 90% of the property value | 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 |
| Monthly Account Keeping Fee — Charged monthly · Please refer to your Credit Contract for detail on when Ongoing Fees are charged. | Ongoing | $10.00 |
| Renegotiation Fee — Payable when you request a change to the Credit Contract or Security and this change is completed. | Event | $300.00 |

## Features

- **Rate certainty, set your rate for a term of 1,2,3 or 5 years**
- **Digital banking**
- **Ability to set up automated repayments**
- **Guaranteed Rate to secure your fixed rate for 60 days following your application**
- **The choice of Interest Only repayments for a maximum period of five years and subject to you satisfying applicable bank criteria (Interest Only term must match Fixed Rate term)**
- **Phone Banking**
- **Extra repayments** (Make extra repayments of up to $500 per month without penalty)
- **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

- **Minimum limit** — $10,000.00 (Minimum Loan Balance of $10,000)
- **Maximum limit** — $3,750,000.00 (Maximum Loan Balance of $3,750,000)
- **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/fixed.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: `FX`
- Last updated by the provider: 22 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/suncorp-bank/FX
- 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/FX) — 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.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)