As of 18 September 2026, the Suncorp Back to Basics Variable Rate's variable owner-occupier P&I variant has a comparison rate of 8.73% (8.65% advertised), ranking 98th of 107 variable owner-occupier P&I loans and sitting 1.97 points above the market average of 6.76%. The product comes in 4 variants; the others are investor and interest-only.
8.73%comparison rate p.a.
8.65% advertised · Variable · P&I · Owner-occupier · 1–95% LVR
3 other variants: investor and interest-only below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · 1–95% LVR- Back to Basics Variable Rate · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · 1–95% LVR
- 8.73% comparison · 8.65% advertised
- Variable · Interest Only · Owner-occupier · 1–90% LVR
- 8.78% comparison · 8.82% advertised
- Variable · P&I · Investor · 1–90% LVR
- 9.12% comparison · 9.07% advertised
- Variable · Interest Only · Investor · 1–90% LVR
- 9.32% comparison · 9.49% advertised
Fees
Headline variant- Application fee
- $990
- Ongoing fee
- None
- Discharge fee
- None
- Redraw fee
- None
Features
Headline variant- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $10,000
- Maximum loan
- $3,750,000
About this product
A basic Home Loan for lending less than $150,000