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Suncorp $3000-$4000 Home Loan & Refinance Cashback (Min $500,000-$1mil Loan), Rates from 4.79% OOC (CR 4.80%)

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Suncorp $3000-$4000 Home Loan & Refinance Cashback (Min $500,000-$1mil Loan), Rates from 4.79% OOC (CR 4.80%)
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AssociatedWilson Heroes HL @ Heroes Home Loans on 30/01/2023 - 15:21 suncorp.com.au (293 clicks)
Last edited 03/02/2023 - 12:22 by 1 other user

Hi OzBargainers,

I hope everyone is keeping well!

Suncorp have just advised us PURCHASE & REFINANCE rebate which has to apply by 30 March 2023 and settled by 28 June 2023.

Suncorp will be offering their cashback amount for both Purchases and Refinances up to 90% LVR. See cashback breakdown below:
• $500,000 - $1,000,000 = $3,000
• $1,000,000+ = $4,000

Current Variable Rates:
Owner Occupied (redraw only):
• P&I Variable 60% LVR - 4.79% (Comp Rate: 4.80%)
• P&I Variable 70% LVR - 4.84% (Comp Rate: 4.85%)
• P&I Variable 80% LVR - 4.94% (Comp Rate: 4.95%)
Owner Occupied: (offset only)
• P&I Variable 60% LVR - 4.84% (Comp Rate: 5.21%)
• P&I Variable 70% LVR - 4.89% (Comp Rate: 5.26%)
• P&I Variable 80% LVR - 4.99% (Comp Rate: 5.36%)

Investment: (redraw only)
• P&I Variable 60% LVR - 5.05% (Comp Rate: 5.06%)
• P&I Variable 70% LVR - 5.10% (Comp Rate: 5.51%)
• P&I Variable 80% LVR - 5.29% (Comp Rate: 5.66%)

Investment: (offset only)
• P&I Variable 60% LVR - 5.09% (Comp Rate: 5.46%)
• P&I Variable 70% LVR - 5.14% (Comp Rate: 5.51%)
• P&I Variable 80% LVR - 5.29% (Comp Rate: 5.66%)

Fees applicable
Annual fee - $375 (only applicable on offset account and is currently being waive for the life of the loan)

Suncorp offers special pricing on their home loans, so please contact us and we will try to see if you can offer you a special rate.

We also offer the following product as well
ING - 4.74% for Owner Occupied + $3,000 cashback
Westpac- 4.64% variable rate for Owner Occupied up to $4000 cashback
Ubank- 4.74% variable rate for Owner Occupied up to $4000 cashback
ANZ - 4.84% variable for Owner Occupied + $4000 cashback

If you would like an estimate of applicable rates please feel free to call/text/email the following information:
O,O or INV
P&I or IO
Loan Amount
Security Value

Promotion extended to 31/3/2023 ended 31/12/2022
Heroes Home Loans are also providing an additional incentive broker rebate of up to $4,000 if user our service (note this applies to all products). Terms and conditions.

Please feel free to email me at [email protected] or text/call me on 0477 200 670 and I would be happy to answer all finance related questions.
Wilson Yuan
Managing Director.
Credit Representative Number is 530101 under Australia's Services Australian Credit License (ACL) 389328 © 2021 HEROES HOME LOANS AUSTRALIA PTY LTD
http://heroeshomeloans.com.au/

Financial Home Loan Refinance

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closed Comments

  • ChickenDinner123 on 30/01/2023 - 15:41
    +7

    Mate we can't afford houses here on OzB, too busy buying useless crap we will never need.

    Thanks for the post tho!

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 30/01/2023 - 16:09
      +1

      I feel your pain :)

  • ozbargainerlife1 on 30/01/2023 - 15:41

    Are there any other banks with $4k cashback apart from anz, stgeorge and mebank

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 30/01/2023 - 16:09

      Westpac

    • Royale with cheese on 30/01/2023 - 18:49

      5k with st george

      • ozbargainerlife1 on 30/01/2023 - 20:43
        +1

        Is that 5k through a broker?

      • AssociatedWilson Heroes HL @ Heroes Home Loans on 30/01/2023 - 21:10

        5K with St george expired last month

        • Royale with cheese on 30/01/2023 - 22:23

          I got it 6 days ago

          • Hasbulla on 31/01/2023 - 11:45

            @Royale with cheese: Loan amount?
            LVR?
            When loan was settled?
            Wages?
            Self-employed?
            Owner or investor?
            Basic or packaged loan?

            St. George is saying no to most, so it'd be great to understand in which conditions they do that

  • stefanko on 30/01/2023 - 15:56

    hsbc or mutual in newcastle seem to have better rates, any deal w those ?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 30/01/2023 - 16:10

      Suncorp offers special pricing on their home loans, so please contact us and we will try to see if you can offer you a special rate.

  • HotPie on 30/01/2023 - 16:39
    +2

    Cheers for sharing. Just went to ubank. Min loan amt $250k and $4k cashback. Rate 4.74%

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 31/01/2023 - 05:15

      No worries :)

    • spedohero on 31/01/2023 - 22:16

      Can i ask if you are on redraw? Does the app allows you to adjust the minimum repayment if you are ahead of the payments such as lump sum paid into the redraw account? Thank you?

      • HotPie on 31/01/2023 - 22:30

        Hi. My loan hasnt drawn down yet. But yes has redraw and id say they would be able to recalculate your repayment but obviously the redraw you had would no longer be available

  • silverx on 30/01/2023 - 18:09

    hi wilson, are these rates for the length of the loan or special rate for specific time?

    • Royale with cheese on 30/01/2023 - 18:50

      You mean fixed? They are variable rates which will go up this week further after RBA meets

      • silverx on 30/01/2023 - 18:57

        No as in intro rate. Unless im mistaken, westpacs rate is only valid for 2 years and it would revert back to higher rate

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 30/01/2023 - 21:09

      These are variable rates, not intro or honeymoon rates

  • PeppaCat on 30/01/2023 - 18:24

    what’s the best rate for PI with offset?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 30/01/2023 - 21:09

      Depends, what's the loan size and the estimate security value?

      • dajiska on 30/01/2023 - 21:32

        Westpac is offering on Owner Occupied: (offset) which LVR and the interest rate with cashback amount, say loan size less than $1mil?

        • AssociatedWilson Heroes HL @ Heroes Home Loans on 31/01/2023 - 05:17
          -1

          Need more info.

          Below a 1million is a large range, are we talking 500K or 950K because they will have entirely different results with the pricing.

  • spedohero on 30/01/2023 - 19:32

    Hi Op, which loan provider with redraw facility allows adjustments on minimum repayment amount after a lump sum is paid into redraw? Cheers

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 30/01/2023 - 21:08

      Not sure any loan provider allows that feature. But you can have the lender take the repayment from the redraw if you have extra redraw/

  • Jazza2400 on 30/01/2023 - 22:09

    Say I have a $300k Loan, and say if I have $250k in an offset account, is it frowned upon to sign up for the cashback and dump my cash into the offset so I pay minimal interest? Asking for a friend.

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 31/01/2023 - 05:16

      TBH no it's not, alot of people do that.

      • Jazza2400 on 31/01/2023 - 09:55

        Nice good to know, I'll let me friend know when his loan comes off fixed rate end of march :)

  • jkiller295 on 02/02/2023 - 16:39

    Can I have both redraw and offset features like CBA?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 02/02/2023 - 17:11

      Yes I believe

  • seanmilt on 03/02/2023 - 10:18

    Has everyone else seen The Mutual Banks offer, Budget Home Loan, LVRs less than 60% at 3.99%.
    Seems legit, free redraw, no limit on additional repayments, no setup or monthly fees.
    Seems a killer deal, being almost a whole percent lower than most competitors.

    Reckon this rate will last? Can't see where the exit/discharge fees for the loan are on the website (something I always check to allow for easy refinance..)

    https://www.themutual.com.au/home-loans/owner-occupied-home-…

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 03/02/2023 - 10:25

      I heard they suck in with the good rate and jack the rate up once you are with them.

      • RichieVn on 05/02/2023 - 14:25

        not unless you fix it for a year or 2 then leave …

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