Suncorp Home Loan Review 2026

The public Move Hub says accounts and products will move in 2027, with preparation starting in early 2027. Suncorp and ANZ will send instructions before changes affect your banking.

No. The announcement itself does not require you to refinance. Keep managing your loan through Suncorp for now and read your account notices when they arrive. If you want to compare another lender, check the costs and approval requirements first.

Suncorp says customers cannot opt out of, delay or choose the timing of the move. If you want to bank elsewhere, discuss your options before closing or changing accounts. A home loan still needs to be repaid or refinanced.

The announcement does not give a stopping date. Its broker FAQs say applications already underway continue through the existing process for now. For a new application, ask us to confirm current availability and any deadlines before proceeding.

Do not assume they will. Suncorp says terms and features may change to align with ANZ products and it will send detailed notices where changes apply. Check what your notice says about your offset, redraw, fees, rate and repayments.

Suncorp's Standard Variable loan can link to an Everyday Options account with 9 named sub-accounts. The money in the main account and sub-accounts works together to reduce interest on one linked loan. They are 9 savings buckets, not 9 separate offset accounts.

Eligible doctors with current general or specialist AHPRA registration may borrow above 80% and up to 90% without LMI. The loan must be at least $250k, with total borrowing under the offer capped at $1.5m. Principal and interest repayments are required. Construction, bridging and refinancing an existing Suncorp loan are excluded; dentists and allied health professionals are not included.

Possibly, when you are buying a home to live in and making principal-and-interest repayments. The maximum loan depends on the property location, and any LMI added to the loan counts towards the 95% limit. Construction stops at 90%.

No. Suncorp was not on the government's participating-lender list when we checked on 4 September 2026. A normal Suncorp loan at 95% may include LMI, so it is not the same thing as a Scheme loan.

Not the family-guarantee version most buyers mean. Parents cannot use part of their home as extra security to help with the deposit. Suncorp can still use guarantees in some spouse, company and trust applications, but that is a different arrangement.

No. If you need to buy before selling, we'll compare lenders that offer bridging finance.

Yes. Suncorp can lend up to 90% of the completed value, including LMI, for an eligible build. Funds are paid to the builder in stages and you are charged interest only on the amount drawn. The contract, builder, timing and property all need to fit.

Sometimes. The borrower must be a registered builder in the state and have completed at least 1 owner-builder home before. Borrowing is generally capped at 70%, and Suncorp will want detailed plans, quotes and evidence the loan is affordable.

No. Suncorp only accepts studios in specified Sydney locations. A normal Brisbane apartment may still work from 40 square metres if it has a separate bedroom and meets the rest of the property rules.

Yes. Its Basic income option can be lighter on documents when the business has traded for at least 2 years, borrowing is no more than 80% of the property value and the rest of the application fits. More complex cases need full financials and can take much longer.

It can. Casual income generally needs 6 months in the job, or 12 months in a similar role. A second job usually needs a continuous 12-month history. The bank also needs to believe the hours and income can continue.

Suncorp does not publish a normal option for temporary visa holders. It may consider an Australian citizen living overseas at up to 70% of the property value and can use part of eligible overseas personal income. Overseas business income is not accepted.

Yes. Its standard position allows no more than 1 late repayment of up to 29 days in the past 12 months. Small paid utility or telco defaults may fit within tight limits, while anything else needs a closer look before applying.

Yes. A genuine gift that does not need to be repaid can count towards genuine savings. When borrowing above 90%, Suncorp may also ask for evidence of 3 months of on-time rent.

It depends on the application. Published assessment times checked on 11 September 2026 ranged from within 2 business days for eligible SunLight applications to 20 business days for Comprehensive self-employed applications, after all documents are received. These are times to a credit decision, not settlement. We would confirm the current queue before you sign a finance clause.