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Suncorp Refinance Offer - Interest Rate Price Matching Big 8 Lenders (Deal Is Not Available Online) + $375 Annual Fee Rebate

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Suncorp Refinance Offer - Interest Rate Price Matching Big 8 Lenders (Deal Is Not Available Online) + $375 Annual Fee Rebate
Go to Deal
Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 14:59 suncorp.com.au (208 clicks)
Last edited 05/11/2020 - 10:23 by 2 other users

Suncorp is offering a Temporary Pricing Delegation (TPD) to selected brokers to match any comparable advertised rate with comparable product features & LVR requirements. Please print and provide copy of competitor’s rate from their website where Suncorp can validate, no pricing approval is required from BDM.

Eligibility requirements:
• Minimum $400,000 new to bank lending
• LVR of ≤80%
• Price match TPD can be used in conjunction with Suncorp’s current cash offer for refinance rebate
• No further discounts (to bring the rate down below the competitors)
• Exclusions: all introductory offers e.g. WBC’s Flexi First Option 2-yr intro rate variable; CBA Extra Home Loan with 2-yr intro rate.

Banks/lenders who we will match:
• Big Four (CBA, ANZ, Westpac or NAB)
• Macquarie
• St. George
• Bankwest
• Bank of Queensland (BoQ)

Eligible products (comparable across product type and LVR)
• Basic variable (non-intro rate)
• Standard variable with offset
• Fixed rates

Send me across any interest rate deals at the above listed lenders and we can get it matched at Suncorp with a higher cashback offer. Please make sure they are either an online offer we can verify

Suncorp Cashback offer - 2k if your balance is above 250k and below 750k / 3k if your balance is above 750k and an extra 1k for front line workers

Annual fee rebate If your balance is above 400k net of offset we will pay your annual fee which is $375 at Suncorp per year.

My experience - 7 years in commsec and cba on a margin lending desk and as in in house cba branch home lender. Nearly 4 years as a mortgage broker running my own company.

Book an appointment straight into my calendar - https://calendly.com/adrianplayermortgagebroker/15min

Kind Regards

Adrian Player | Director

M: 0416643638

E: [email protected]

W: www.integralloansolutions.com.au

Adrian Player is a credit representative (498364) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237).

Mod note: Please note deal posting guidelines - Deals that are not exclusive to the broker should only mention or link to the broker at the bottom of the deal description, as specified in the guidelines for third-party website operators

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closed Comments

  • arctan on 30/10/2020 - 15:01
    +1

    So if the loan size is less than 400k and it will not be matched?

    • Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 15:12
      +1

      Thats the commentary i have in the suncorp email to me. Yes below 400k they wont price match. Ill just have to do a pricing for you to see what they offer you directly as opposed to matching another offer.

  • Hasslefree on 30/10/2020 - 15:04

    Hi Mate, can you match westpac's basic variable rate of 2.29%, how long will Suncorp take to decide on application?

    • Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 15:13

      In the terms above they specified they wont match intro rate honeymoon teaser offers. Highlighted it below for you:

      • Exclusions: all introductory offers e.g. WBC’s Flexi First Option 2-yr intro rate variable; CBA Extra Home Loan with 2-yr intro rate.

      • tunzafun001 on 30/10/2020 - 16:17

        So basically an offer not worth the paper it's written on. No one is going to happily take a standard variable rate offer..surely!

        Can they get anywhere close to the 1 yr 2.19 fixed offers that are floating around? Like these (I'm aware these banks specifically aren't part of their t&cs)?

        https://www.tmbank.com.au/home-loans/rates (which is also a 100% offset fixed rate loan).

        https://www1.citibank.com.au/home-loans/home-loan-rates/resi… ($4k refinance offer available with this deal…but its Citibank).

        • Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 16:46

          Yes ive gotten 2.14% 2 year fix and 2.19% 2 year fix with suncorp depending on the loan size for a few customers already. They are already sharp on the pricing after a pricing request is lodged through the suncorp bdm.

          Send me an email and ill do a pricing request for you.

          • tunzafun001 on 30/10/2020 - 16:49

            @Adrian Player: Cheers, but not 2 yrs, only interested in one year fixed max. Nothing 1 yr?

            • Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 16:55
              +1

              @tunzafun001: Yes find an offer online at one of the big 8 banks listed and ill get it matched at Suncorp. Macquarie are doing a 1 year fix 2.19% up to 80% lvr right now so we would just match that for you.

  • Edinburgh on 30/10/2020 - 15:07
    +2

    +1 for Adrian

    • Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 15:13

      Cheers

  • justtoreply on 30/10/2020 - 15:12
    +1

    If suncorp isn't in the big 8, they should already be cheaper? If not, they're daft

    • Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 15:13

      They are pretty sharp yes but some rate movements may allow you to match a rate at a big 8 lender then move it across to suncorp to get a bigger refinance rebate.

  • saintpotter on 30/10/2020 - 15:19
    +1

    Recently refinanced to Suncorp and no regrets! Always happy to match interest rates and available to answer qus! And the app is good as well which helps.

    • Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 15:20

      Great to hear!

    • wat223 on 30/10/2020 - 15:25
      +1

      Yes! And their rewards for wish gift cards etc love them its almost instantaneous (takes a few seconds)

    • Slo20 on 30/10/2020 - 15:50
      +3

      As a previous Suncorp customer they are happy to review rates every 6 months (if you initiate) but they would never get as low as other competitors. Even after telling them I would take my loans elsewhere. In the end I left for a better deal. They may be matching for you now while you a new customer but don’t expect it to last.

      • Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 16:48

        Yep thats one thing i dont mind about Suncorp. One email and an existing customer can get updated pricing. They are pretty fair as well based on previous customers.

        if you dont want the rates to move up take a 2.14-2.19% 2 year fix. A big gap to the variable rates. Thats pretty sharp with a good cashback for the refinance.

        But lets be honest most lenders do back book pricing.

  • kulprit on 30/10/2020 - 15:56
    +2

    Can you just give us the best rate you'll be able to match rather than us finding it?

    Also is the 3000 rebate for above 750k net of offset or total and what is the current turn around time? (Trying to get in before my next annual fee)

    • Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 16:50

      Just had someone call me with the St George redraw product at 2.59% variable rate they wanted matched. Since they were in the westpac group they couldnt go direct to St George.

      Ive also seen cba 2 year fixed request for owner occupied at 2.19% and 2.14% with people wanting it match.

      On investment 2 year fixed rates matching 2.49% anz p&I. or Westpac matches that as well on a lower 70% lvr. So Suncorp can match either or.

      • kulprit on 30/10/2020 - 17:33

        Yeah I'm already with Westpac group as well. But would need a 2.5 something interest rate with an offset (owner.occupied)

        Any chance of settling by the end of November?

        • Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 17:39

          They have a 2 year fix in the 2.14% to 2.19% range.

          No they wont settle by november more like mid december.

          I know they will do 2.59-2.64% range on variable with offset already without the price matching.

          • kulprit on 30/10/2020 - 17:49

            @Adrian Player: Yeah that's why the rate match seems a bit strange if they can offer that anyway.

            My annual fee is at the end of November and don't really want to pay it and then move 2 weeks later.

            Was the 3000 rebate for total loan or loan minus offset?

            Is the discount given as a % rate off their standard variable?

            Happy to pm.

            • Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 17:55

              @kulprit: They are pretty sharp already
              But if you find another deal at 1 of those I banks they will match it.

              It's for the total loan at settlement so transfer any excess out at time of settlement and then move it over to suncorp and back in.

              It is a lifetime discount off the headline rate yes.

  • ginmi on 30/10/2020 - 16:10

    Any Price matching or cashback for purchases Adrian or is it for Refi only?
    What about ongoing waiver of the pro pack fee? Can I get that on a purchase as well?

    Suncorp is quite sharp with their pricing and I hear they are also doing a lot of unadvertised deals like 2.08% fixed for 2 years and 2.56% variable with offset.

    How are they with passing RBA rate cuts and what is their current SLA for processing applications?

    • Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 16:52
      +1

      They are running a deal with first home buyers where annual fee is waived for the life of the product already.

      Most of suncorps good pricing isnt online you have to submit a pricing request via the bdm and get it approved. They are doing pretty big discounts at the moment compared to what you see online.

      Only problem is their sla at 10 days. Can be a little tough on a 5 day cool off period when you buy getting suncorp to get you to formal before you put your deposit down.

      They arent any different then the other majors as far as rate cuts. But lets be honest most likely there will be a 10 basis point cut in 3 days time and then the rates may not moved for 12-18-24 months.

  • ol mate on 30/10/2020 - 16:57

    Meh deal. Most of the Big4 + St George + Bankwest are "non transparent" (negotiated/ requested) prices anyway, so if it has to be an advertised rate this won't mean much.

    • Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 17:07
      +1

      I actually just had a chat with the suncorp bdm 30 mins ago on this very topic. You get me a pricing request from any of the above 8 banks even the under the table deals he's told me he will try to match them all. Its just not in their official email to accredited brokers.

      So go mystery shop a few branches, get an email confirmation of a rate offer and ill get it matched.

  • ykwon10 on 30/10/2020 - 19:32

    Does Suncorp matches cashback as well? ie: $4k cashback from St George or Citibank

    Additionally, balance over $750k meaning total borrowing minus cash in offset. Correct?

    • Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 19:47

      No cashback is as per the policy above. It doesnt change.

    • kulprit on 30/10/2020 - 20:42

      The cashback doesn't mention having to take off the offset account.

      • Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 21:14

        Good thing you have me that's settled 5 files there in the last 1.5 months. This question has been asked and confirmed by the suncorp bdm multiple times. So yes I'm sure of the answer.

  • liveonimpulse on 30/10/2020 - 20:46

    What is a front line worker? Are employees of utilities considered frontline?

    • Store RepAdrian Player @ Integral Loan Solutions on 30/10/2020 - 21:13

      Medic doctor police fire fighter armed forces healthcare sector ses. Not utility worker unfortunately.

  • Lunarboogie on 30/10/2020 - 22:53

    Matching Big 4 rates is great. What about fees? I’m looking at a fixed 12-months interest only loan for an investment property.

    • Store RepAdrian Player @ Integral Loan Solutions on 31/10/2020 - 05:06

      Expect an estimated:

      300-350 discharge fee current lender
      300 - 350 govt charges for mortgage transfer
      375 annual fee home package plus product which we pay. For the offset and cc if you want
      No valuation fee
      No monthly fee
      No settlement fee

  • Korban Dallas on 30/10/2020 - 23:46
    +2

    I am with Suncorp 4 long years. They suck.

    1. Suncorp finance of investment property almost fell through because of slow processing times

    2. Can't link credit card with Google pay. Realise that Suncorp isn't the provider but still.

    3. Being lied to about EPIA fees

    4. Never apologize for being in the wrong

    5. Have 15k worth of credit cards for years. Cancel the 5k one and add that to the 10k one. Oh no sorry you have too many expenses even though I make 2x as much as I used to and haven't used the 5k card for years

    6. Suncorp home insurance is useless

    7. Crappy rates

    8. Had a Suncorp financial advisor. Emailed them the other day. Oh sorry email address not found. Ring up oh we don't provide that service anymore.

    9. I know someone who works for Suncorp and is a high up and says they really suck

    10. Our home loan adviser was great. But then started popping babies every year since.

    11. Replacement mobile banker guy it was his first day. Didn't even have a laptop. Complained about his ex wife and pretty much didn't do anything

    12. God forbid you need bank statement downloads older than one year. They don't exist online

    13. Web portal looks like something from 2005.

    14. No detailed info on transactions

    • Store RepAdrian Player @ Integral Loan Solutions on 31/10/2020 - 05:01

      Sorry to hear about your experience. Let me know if you need help refinancing to another lender.

    • Ash-Say on 05/11/2020 - 20:02

      Suncorp home insurance is useless

      I had two content claims and both were fully replaced. What's your rationale for saying it's crap?

      • Korban Dallas on 05/11/2020 - 21:10

        Wouldn't replace a solar system due to storm damage.

        Had 2 reports done personally. Water ingress due to heavy storm, then Suncorp get 2 different companies to inspect. Denied the claim.

        Similar stories here

        https://www.productreview.com.au/listings/suncorp-home-insur…

        Motor burn out of AC system. Cost for excess was more than actually getting it replaced myself.

        Hot water system, died. And denied the claim.

        Cheaper to replace then paying excess anyway.

  • snipercat on 06/11/2020 - 09:36
    +1

    @Korban Dallas, they are a bank, who, if people want to pay excess for their insurance, will charge it. I have been with Suncorp for 8 years and they have been amazing, answers to your points below;

    1. Not usually the banks fault, 9 times out of 10 its either your fault, or the builders getting paperwork back to them.
    2. Mine connects to Apple Pay, not sure about Google
    3. Their EPIA fees is set out under their guidelines
    4. Maybe they arent and dont have too
    5. Welcome to the Banking Royal Commission flow on effect
    6. Dont buy it, cheaper and better elsewhere, again, they are a bank
    7. They rate match any other bank
    8. They dont offer it anymore, so answers that point
    9. If you knew someone high up, im sure you would have just dealt with them
    10. Heaven forbid people have families that dont suit you
    11. Usually when i start my jobs on the first day i dont take all my tools, more a meet and greet
    12. Maybe try again, my app and browser offer all the way back to 2012 when i first joined
    13. Dont use it, app is way better anyway (try NAB, worse than Suncorp)
    14. Like every other bank

    I find a lot of your statements to be false and misleading

    • Store RepAdrian Player @ Integral Loan Solutions on 06/11/2020 - 10:38
      -1

      yes very true.

    • Korban Dallas on 19/11/2020 - 03:03

      -1. No it was the banks fault and it was not a new build

      -3. Their EPIA break fees no cost have changed from 2 to 3 months early

      -4. Wow ok

      -8. An email would have been nice

      -9. No IT department

      -10. Not a criticism, observation

      -11. Seriously? Real professional. Also ok to talk about the ex too?

      -12. PDF Statements yes but not export into Excel or accounting formats

      -13. I didn't post to rant, informing others

      -14. Commbank is amazing

      Anyway..

  • Store RepAdrian Player @ Integral Loan Solutions on 06/11/2020 - 10:39

    I just want to highlight Suncorp just brought out a 2 year fix 1.89% just now. Smashing the big 4 on 2 year fixed rates most are on 2.09% or higher. The big 4 arent doing sub 2.00% rates unless you choose to fix with them for 4 years or more.

  • mastablasta on 24/11/2020 - 14:22

    OP, I've booked two appointments through calendly, but both times did not hear anything from you. Are you still accepting appointments?

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