Other interest rates: Deposit Interest Rates or Business Interest Rates?
Rates are effective from 19 November 2008 but are subject to change without notice.
On this page: Home Loans : Share Loan : Personal Finance : Credit Cards : Small Business
Home Loans
Rates are applicable to both personal purposes and investment home loans unless otherwise specified.
Standard Variable Home Loan
|
Loan Type
|
Reference Rate
|
|
Variable#
|
7.80% p.a.
|
7.95% p.a.
(based upon $150,000 over 25 years) |
#Low Doc Option is available on Standard Variable, Back to Basics, Asset Line, 1 Year Fixed, 2 Year Fixed, 3 Year Fixed and 5 Year Fixed. A Low Doc Margin is added to the standard reference rate displayed.
*Download the Comparison Rate Schedule in PDF format
Back to Basics
|
Loan Type
|
Reference Rate
|
|
Variable Rate#
|
7.22% p.a.
|
7.27% p.a.
(based upon $150,000 over 25 years) |
#Low Doc Option is available on Standard Variable, Back to Basics, Asset Line, 1 Year Fixed, 2 Year Fixed, 3 Year Fixed and 5 Year Fixed. A Low Doc Margin is added to the standard reference rate displayed.
*Download the Comparison Rate Schedule in PDF format.
Bridging Loan
|
Loan Type
|
Reference Rate
|
|
| Bridging Loan |
7.95% p.a. |
8.12% p.a.
(based upon $150,000 over 25 years) |
*Download the Comparison Rate Schedule in PDF format.
Fixed Rate Home Loans
|
Loan Type
|
Reference Rate
|
|
Introductory 1 Year Fixed Rate
(reverts to the Standard Variable Loan rate at the expiry of the 12 month period)
|
7.19% p.a.
|
8.42% p.a.
(based upon $150,000 over 25 years) |
1 Year Fixed Rate#
(reverts to the Standard Variable Loan rate at the expiry of the 1 year period) |
7.29% p.a.
|
8.43% p.a.
(based upon $150,000 over 25 years) |
2 Year Fixed Rate#
(reverts to the Standard Variable Loan rate at the expiry of the 2 year period) |
7.04% p.a.
|
8.27% p.a.
(based upon $150,000 over 25 years) |
3 Year Fixed Rate#
(reverts to the Standard Variable Loan rate at the expiry of the 3 year period) |
7.40% p.a.
|
8.25% p.a.
(based upon $150,000 over 25 years) |
5 Year Fixed Rate#
(reverts to the Standard Variable Loan rate at the expiry of the 5 year period) |
7.89% p.a.
|
8.32% p.a.
(based upon $150,000 over 25 years) |
#Low Doc Option is available on Standard Variable, Back to Basics, Asset Line, 1 Year Fixed, 2 Year Fixed, 3 Year Fixed and 5 Year Fixed. A Low Doc Margin is added to the standard reference rate displayed.
*Download the Comparison Rate Schedule in PDF format.
Asset Line
|
Loan Type
|
Reference Rate
|
Asset Line#
|
7.80%p.a.
|
#Low Doc Option is available on Standard Variable, Back to Basics, Asset Line, 1 Year Fixed, 2 Year Fixed, 3 Year Fixed and 5 Year Fixed. A Low Doc Margin is added to the standard reference rate displayed.
Low Doc
|
Margin Type
|
Margin
|
| Low Doc |
0.15% p.a. |
Low Doc option is available for Standard Variable, Back to Basics, 1 Year, 2 Year, 3 Year and 5 Year Fixed and Asset Line. A Low Doc Customer Margin is applied to the Reference Rate for the relevant product displayed above.
Ready Access
|
Loan Type
|
Reference Rate
|
|
|
Ready Access
|
7.90% p.a.
|
These products are not available for new loans
Professional Package
|
Loan Type
|
Annual Percentage Rate
|
Professional Asset Line
|
7.70% p.a.
|
Professional Ready Access
|
7.40% p.a.
|
These products are not available for new loans
Reverse Mortgage
|
Loan Type
|
Reference Rate
|
|
| Variable |
8.90% p.a. |
8.92% p.a.
(based upon $150,000 over 25 years) |
5 Year Fixed Rate
(reverts to the Reverse Mortgages Variable Loan rate at the expiry of the 5 year period) |
9.30% p.a. |
9.00% p.a.
(based upon $150,000 over 25 years) |
10 Year Fixed Rate
(reverts to the Reverse Mortgages Variable Loan rate at the expiry of the 10 year period) |
9.30% p.a. |
9.08% p.a.
(based upon $150,000 over 25 years) |
15 Year Fixed Rate
(reverts to the Reverse Mortgages Variable Loan rate at the expiry of the 15 year period) |
9.30% p.a. |
9.16% p.a.
(based upon $150,000 over 25 years) |
20 Year Fixed Rate
(reverts to the Reverse Mortgages Variable Loan rate at the expiry of the 20 year period) |
9.30% p.a. |
9.24% p.a.
(based upon $150,000 over 25 years) |
| Lifetime Fixed Rate |
9.10% p.a. |
9.12 p.a.
(based upon (based upon $150,000 over 25 years) |
*Download the Comparison Rate Schedule in PDF format.
# Reverse Mortgages are provided by Reverse Mortgage Services Pty Ltd ABN 87 114 594 080
Share Loan
Margin Lending
|
Loan Type
|
Annual Percentage Rate
|
| Variable - less than $500,000 |
9.75% p.a. |
| Variable - $500,000 and over |
9.55% p.a. |
| 3, 6, 9 Month Fixed Rate - less than $500,000 |
9.10% p.a. |
| 3, 6, 9 Month Fixed Rate - $500,000 and over |
9.00% p.a. |
| 1 Year Fixed Rate - less than $500,000 |
9.10% p.a. |
| 1 Year Fixed Rate - $500,000 to $999,999 |
8.95% p.a. |
| 1 Year Fixed Rate - $1,000,000 and over |
8.80% p.a. |
| 2 Year Fixed Rate - less than $500,000 |
9.10% p.a. |
| 2 Year Fixed Rate - $500,000 and over |
9.00% p.a. |
| 3 Year Fixed Rate - less than $500,000 |
9.00% p.a. |
| 3 Year Fixed Rate - $500,000 and over |
8.90% p.a. |
| 4 Year Fixed Rate - less than $500,000 |
8.90% p.a. |
| 4 Year Fixed Rate - $500,000 and over |
8.80% p.a. |
| 5 Year Fixed Rate - less than $500,000 |
8.80% p.a. |
| 5 Year Fixed Rate - $500,000 and over |
8.70% p.a. |
Margin Trader
|
Loan Type
|
Annual Percentage Rate
|
| Variable - Less than $100,000 |
9.95% p.a. |
| Variable - $100,000 and less than $250,000 |
9.95% p.a. |
| Variable - $250,000 and less than $500,000 |
9.95% p.a. |
| Variable - $500,000 and over |
9.75% p.a. |
|
|
| 1 Year Fixed Rate - less than $500,000 |
9.35% p.a. |
| 1 Year Fixed Rate - $500,000 and over |
9.25% p.a. |
For a complete guide to the fees and charges, please download the Suncorp Margin Trader Interest Rates, Rebates and Fees & Charges Guide (PDF, 48kb)
Please read the Suncorp Margin Trader Terms & Conditions (PDF, 226kb) before applying for Suncorp Margin Trader.
Personal Finance
Personal Loan - Unsecured
|
Loan Amount
|
Annual Percentage Rate
|
|
$5,000 and over
Personal loan interest rates can change at any time prior to a loan being funded (settlement) after which time the rate will be fixed for the Fixed Interest Period. |
13.48% p.a.
|
14.72% p.a.
(based upon $10,000 over 3 years)
13.74% p.a.
(based upon $30,000 over 5 years) |
Download the Comparison Rate Schedule in PDF format.
Secured Car Loans
|
Loan Type
|
Annual Percentage Rate
|
|
Secured Car Loans $5,000 and over
Personal loan interest rates can change at any time prior to a loan being funded (settlement) after which time the rate will be fixed for the Fixed Interest Period. |
10.45% p.a.
|
11.67% p.a.
(based upon $10,000 over 3 years)
10.70% p.a.
(based upon $30,000 over 5 years) |
Download the Comparison Rate Schedule in PDF format.
Personal Overdraft
|
Loan Type
|
Annual Interest Rate
|
Formal
|
16.75% p.a.
|
Informal
Casual Overdraft Reference Rate |
19.75% p.a.
|
Credit Cards
Credit Cards
|
Loan Type
|
Annual Interest Rate
|
Suncorp Clear Options Standard
– Purchases
– Cash Advances |
11.99% p.a.
14.95% p.a. |
Suncorp Clear Options Plus
– Purchases
– Cash Advances |
18.99% p.a.
18.99% p.a. |
Suncorp Clear Options Gold
– Purchases
– Cash Advances |
18.75% p.a.
18.75% p.a. |
Suncorp Clear Options Business Card
– Purchases
– Cash Advances |
17.95% p.a.
17.95% p.a. |
Suncorp Clear Options
Balance Transfer^ |
2.90% p.a. |
Suncorp Clear Options
Special Purchase Transfer** |
8.95% p.a. |
|
|
Suncorp American Express Credit Card
- Standard
- Gold |
18.49% p.a.
17.49% p.a. |
Visa Extra*
- Purchases and Cash Advances |
19.25% p.a. |
*Not available for new account opening.
^The special promotional Balance Transfer Interest Rate applies for 12 months from the date the Balance Transfer is processed by us and is only applicable to Balance Transfer requests processed and debited to your Suncorp Clear Options account prior to 31 December 2008. The promotional Balance Transfer Rate does not apply to the transfer of any balance from an existing Suncorp Visa product to a Suncorp Clear Options Credit Card Account.
** The Special Purchase Transfer interest rate is only available on personal credit cards, and the transfer needs to occur prior to 31 December 2008. At the end of the Special Transfer Term, the interest rate will revert to the then current Cash Advance interest rate applicable to your Suncorp Clear Options Credit Card account. Refer to the Suncorp Clear Options Credit Card Terms and Conditions booklet for full details on Special Purchase Plan transfers and Interest Rates on Special Promotions.
Small Business
Small Business Loans*
|
Loan Type
|
Annual Percentage Rate - Residential Security
|
|
Variable Rate
|
9.54% p.a.
|
|
6 month Intro
|
9.60% p.a.
|
|
1 Year Fixed Rate
|
7.50% p.a.
|
|
2 Year Fixed Rate
|
7.50% p.a.
|
|
| 3 Year Fixed Rate |
7.60% p.a. |
|
| 4 Year Fixed Rate |
7.80% p.a. |
|
5 Year Fixed Rate
|
8.15% p.a.
|
|
*An interest margin of 0.15% (for new business) will be added to Small Business Loans with Commercial/Other Security.
Small Business Overdrafts#
|
Loan Type
|
Annual Percentage Rate - Residential Security
|
Annual Percentage Rate - Commercial/Other Security
|
Variable
|
10.04% p.a.
|
10.19% p.a. |
#Calculated as the Bank's Small Business Overdraft Reference Rate plus a margin.
Small Business Line of Credit#
|
Loan Type
|
Annual Percentage Rate - Residential Security
|
Annual Percentage Rate - Commercial/Other Security
|
| Variable |
9.64% p.a. |
9.79% p.a. |
#Calculated as the Bank's Small Business Line of Credit Reference Rate plus a margin.
Low Doc*
|
Margin Type
|
Margin
|
| Low Doc |
0.15% p.a. |
*Low Doc option is available on Standard Variable, Line of Credit, 1 Year Fixed, 2 Year Fixed, 3 Year Fixed, 4 Year Fixed and 5 Year Fixed loans. Low Doc Customer Margin will be added to relevant rate displayed.
Comparison Rate
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Comparison rate schedules are available at any Suncorp branch.
Download the Home Loan Comparison Rate Schedule in PDF format. (31k)
Download the Personal Loan Comparison Rate Schedule in PDF format. (26k)
Find out more about Comparison Rates
