Home Package Plus Access Equity Home Package Plus - Access Equity LVR 80% - 90%

  • 5.52%
    p.a Standard Variable
  • 5.67%
    p.a Comparison**
  • $0
    Upfront fees
  • $375
    Annual fees
  • 90%
    Max LVR
  • $2,185
    Per Month*

About Suncorp Bank

Suncorp Group includes leading general insurance, banking, life insurance and superannuation brands in Australia and New Zealand. The Group has 15,000 employees and relationships with nine million customers. We are a Top 20 ASX-listed company with $96 billion in assets. Suncorp has five core businesses include personal insurance, commercial insurance, Vero New Zealand, Suncorp Bank and Suncorp Life. These are supported by corporate and shared services divisions.

Standard Variable

Repayments calculated to take into account ongoing monthly and anual fees.

Monthly repayment*
rate per annum

Loan to Value Ratio

Borrow up to the maxium of 90% of the value of the property.

Lenders Mortgage Insurance, or LMI, will be payable on most loans where the borrowings are greater than 80% of the value of the property.

However, you may be able to capitalise LMI into your loan, increasing the overall loan amount by about 2% (in order to cover the cost of the insurance). Contact a loan market broker to find out how LVR and LMI might impact the cost of your loan repayments.

Capitalise LMI


For Line of Credit, Equity, Investment, Owner Occupied, and Vacant Land in NSW, NT, QLD, SA, WA, VIC, TAS, and ACT.

1 - 25 years


The level of financial documentaion and credit history required to apply for the loan.

Full Doc
Credit History
Genuine Saving

Redraw Facility

Get quick access to cash by drawing on the loan to pay for renovations or other purchases.

Redraw Facility
Min Redraw
Redraw fee

Banking Features

Given the wide range of loans on offer – with different interest rates, product features and fees – it pays to shop around to find the loan that fits your needs and circumstances. Some loans offer features that may be appropriate for your situation and result in savings over the life of the loan.

Some features you may wish to consider include:

  • an offset account;
  • ability to make extra repayments;
  • a redraw facility; and
  • linked credit card and savings accounts;
  • ability to split your loan between fixed and variable interest rates
Offset Account
Redraw Available
Internet Banking
Telephone Banking
Credit Card
BPay Option
Portability of Loan
Professional Pack
Check Account
Direct Salary Credit
Free Transactions
Minimum Redraw
Redraw Fee


You can make your repayments Fortnightly, Monthly, and Weekly.

Interest Only Option
Max Interest Only
25 years

Upfront Fees

Upfront fess associated with estabilishing the loan. Other loan set-up fees, such as valuation fees and lender's mortgage insurance, and Government charges, such as registration fees and stamp duty on property transfer, have not been included. These will be determined after application.


Ongoing Fees

Monthly and annual fees and charges during the loan period.

Ongoing Yearly

Exit Fees

Fees associated with prematurely ending the loan.

Early Repayment
Switch To Fixed


The Home Package Plus helps borrowers save money and reduce the cost of borrowing and managing their money. The more home loans or other eligible products the greater the savings. Key Benefits: No upfront establishment fees or ongoing account keeping fees on home loans for as long as they remain in the Package Unlimited number of eligible home loans can be included within the Package Discounts on a range of products across banking, lending and insurance Includes a Suncorp Bank transaction account with no monthly account keeping fee (Everyday Options accounts issued by Suncorp Bank. Please read a copy of the Product Information Document before making any decision regarding this product. Contact Suncorp Bank for a copy). Unlimited number of home loans can be included in the Package for one Package fee. An all-in-one Line of Credit home loan solution. For customers that want to pay off their loan fast or wish to utilise their equity to invest in other assets. Key Benefits : - Flexible repayment frequency with no minimum repayment required if facility is within agreed limit - Immediate access to funds via ATMs, branch network, telephone or internet banking - Visa debit and cheque facility options available - Unlimited additional repayments Loan Purpose: Available for either Personal Purpose or Investment Purpose. Not available for Business Purpose. Unlimited additional repayments allowed. Free Transactions: Unlimited fee free EFTPOS transactions, mobile phone and internet banking transfers, BPAY (excluding staff assisted Bpay) and Suncorp Bank ATM enquiries, withdrawals and transfers. A combined total of 10 ATM credits, direct credits, staff assisted transactions and cheque transactions are free each month and then you will be charged additional transaction fees for those transaction types. Limit increases available by application. This product cannot be used for construction or home improvement loans that require progressive drawdown.

LVR Notes

Max IO LVR is 90% inclusive of LMI. Suncorp will no longer accept investment home lending applications for apartments in specific post codes in the Brisbane CBD and metro area with an LVR > 80%. Existing customers excepted.


Where LVR <90%, applicant contribution can include: Genuine savings; and/or Non-genuine savings; and/or Collateral. Acceptable Genuine Savings includes: Accumulated savings in an account; Sale proceeds from assets; Non-preserved superannuation contributions; Redrawable loan repayments; Gifts/inheritances/bequests. Acceptable Non-Genuine Savings includes: FHOG; Residential mortgage secured funding from another financier. Unacceptable applicant contributions include: Advances on wages/income; Barter card, trade dollars, or similar arrangements; Incentives such as builder or vendor discounts, rebates vendor finance, rental discounts/refunds, etc.; Loans from third parties; Unsecured loans from any source.

*Monthly Repayments

Monthly repayments are calculated to take into account the loan amount, repayment term and ongoing fees and charges over the life of the loan.

  • Variable rate loans show the monthly repayments at the current rate.
  • Fixed rate loans show the monthly repayment during the fixed period only.
  • Monthly repayment calculations are an approximate guide only. Speak to a LoanMarket Mortgage broker to understand the exact cost of a loan given your particular circumstances.

**Comparison Rates

A comparison rate is a tool to help consumers identify the true cost of a loan. It factors in the interest rate, loan amount, repayment term and ongoing fees and charges and displays this as a single percentage rate that can be used to compare various loans from different lenders.

Monthly Repayment and Comparison Rate* calculations do not include:

  • The use of account features such as early repayments and offset accounts which vary widely among loans and can reduce the cost of a loan significantly.
  • Cost savings such as fee waivers or special rate discounts.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees
  • Lenders Mortgage Insurance (LMI) which may be required to secure the loan and can increase the cost of the loan.
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided