3. Flexibility

We offer you a wide range of loans suitable for investment property buyers.

• Variable Rate Loans
  With a variable rate loan, the interest rate rises or falls as the market fluctuates. So whichever way rates move, it will be reflected in your loan repayments.
• Back to Basics Home Loan
  With a Back to Basics Home Loan, the interest rate is variable but is set below the standard variable rate. It allows you to take advantage of the low rate without locking into a specific term. Your repayments must be set up through electronic transfer.
• Fixed Rate Loans
  A fixed rate loan allows you to budget accurately, because your interest rate remains the same for the term you choose. We have 1, 2, 3 and 5 year fixed rate terms available at very competitive interest rates.
• Interest Only Loans
  We have an Interest Only payment option on all of our investment loan product types. Where monthly instalments are only required to cover the interest charged on the loan until the end of the interest only period.
• Split Rate Loan
  You can choose to 'lock-in' an interest rate on part of your loan by selecting a fixed rate while still allowing for flexibility by keeping part of the loan on a variable rate.
• Bridging Loans
  A temporary loan pending sale of an existing property.

Getting cash back when you need it.

With a Suncorp residential property variable rate investment loan, you are able to withdraw extra payments from your home loan that are in excess of your normal repayments via our cashback^* facility to use for whatever you want. By making these additional payments, you will be making sure you pay off your investment loan as soon as possible. This facility then allows you to use these funds at any time should you need money for school and university expenses, a holiday or renovations.

This feature is available on Suncorp Home Loans, excluding the Fixed Rate Loans. The minimum withdrawal is $1,000 and you must leave at least one month's repayment in your loan account.

A fee of $20 for each Cashback withdrawal applies. Your first Cashback fee will be waived each calendar month, effectively providing you with 1 free Cashback withdrawal each calendar month.

Request a Cashback online from an existing Suncorp home loan.

^*You need to apply for cashback which is available subject to conditions.

How early can I repay my loan?

You can pay off your loan as quickly as you like. If it is repaid within the first 4 years, a Deferred Establishment Fee will apply. There is also a Loan Finalisation Fee for the finalisation of your loan.