Get Home, Sooner.
Low Deposit Home Loans.
Low Rates. Low Upfront Fees. No LMI.
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As seen in
Low Deposit - Up to 98% LVR
6.05% p.a.
6.32% p.a.
6.05% p.a.
6.32% p.a.
6.45% p.a.
6.76% p.a.
6.45% p.a.
6.76% p.a.
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"We would highly recommend Sucasa to anyone in search of a home loan provider. We are grateful for their assistance in making our homeownership dreams a reality. From start to finish, the process was smooth and efficient and they were really good at communicating what was required in every step of the process."
"The savings and flexibility we had with Sucasa allowed us to buy our home and add a pool at the same time. Years earlier than we thought possible!
By avoiding LMI, Sucasa reduced our deposit by $21k. We kept that extra $21k in our bank account and used it to build a pool, something we thought would be years away.”
“My family are truly blessed and privileged to get associated with Sucasa as they made my first home loan process easier. Anyone looking for home loan without LMI,
Sucasa is there for you!
Way to go Sucasa!”
“We would definitely recommend Sucasa to other home buyers - the end to end service has been fantastic.We would like to give a shout out to Mario, He was fantastic and made the whole process really enjoyable. Thank you!”
How are your rates so low?
To get you home sooner, we need to offer the cheapest low deposit mortgages we can. We do this by backing great borrowers and partnering with global and local institutions who share our vision.
Why our customers love us
We get them home, sooner.
Borrow up to 98% LVR. Means your savings go further.
Competitive rates. Means lower repayments.
Find a lower fee or LMI offer and we'll beat it. Means you know you're getting a great deal.
Rely on your income and your house. Means you can realise your ambitions without giving away part of your property or risking your parents place.
No lock-in. Means you have the flexibility to shrink your loan as fast as you can. Refinance anytime.
Most of our customers are approved within 24 hours of completing their application. Means bidding with confidence, sooner.
Based on your income and expenses for our Ultra-Low Rate product, you may be able to borrow:
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Estimated Monthly Repayment
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Interest Rate*
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p.a.
Comparison Rate**
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p.a.
Important - There are a lot of different factors that go into calculating how much you can borrow for a home loan. Every lender has their own way of calculating borrowing power so you might get different results with other home loan calculators. Our home loan borrowing calculator takes into account your income and expenses to give you an idea of how much you can expect to be able to borrow with a Sucasa Primary and Ultra-Low Rate Home Loan.
Estimated total funds to complete required
$0
Minimum Genuine Savings
This funds to complete calculator is a guide only, and gives you an estimate of what your funds to complete based on the property purchase price, loan amount, loan purpose, stamp duty and an Ultra-Low Rate Home Loan.
You’ll get a full assessment when you submit your application and enter the specifics of the property, your loan type, personal details and your financial situation. The above is not credit approval.
Estimated repayments
$0
/month
Principal and Interest Loan
Interest rate*
Comparison rate**
This home loan repayment calculator is a guide only, and gives you an estimate of what your repayments may be with Sucasa. This estimate is based on the purchase price, loan amount and loan term you entered and the current home loan interest rates for the Ultra Low Rate Home Loan.
You’ll get a full assessment when you submit your application and enter the specifics of the property, your loan type, personal details and your financial situation. The above is not credit approval.
Let’s get you home
What are you looking to do?
About Sucasa
Our mission is to improve access to homeownership for hard working Australians. We do this by providing simple and fair, low deposit home loans.
In pursuit of that mission, we're fortunate to have the backing of global venture capital funds, and some of Australia’s leading residential mortgage funders.
FAQs
Find answers to your most pressing questions
‘Su Casa’ roughly translates to ‘your home’ in Spanish.
Sucasa is an Australian non-bank lender.
We’re backed by global venture capital and supported by some of Australia’s leading residential mortgage funders.
Sucasa exists to improve access to home ownership. We do this by providing simple, fair, low deposit home loans. We're a team with finance, consumer and technology experience tackling the biggest issue facing our generation. Homeownership. You can learn more about us and our mission here.
Neither!
Instead, we are a non-bank lender. We are an Australian Credit License (ACL) holder with authorisations to provide credit and credit assistance to consumers.
Visit our Rates & Fees page to see our current interest rates.
You can see our eligibility requirements here.
The short answer: We’ve focused on helping borrowers who don’t have a “full” 20% deposit. By building a suite of products designed specifically for our borrowers, we’ve been able to make our loans cheaper and more accessible.
There’s no catch.
We’re a mission driven business and our mission is to improve access to homeownership for young Australian families. We’ve done this by creating products we’d use and encourage our friends and family to use. Our loans are simple and we don’t take any equity in your home or have any equity-based incentives.
We’ve worked *very* hard to provide the lowest-cost loans possible and will work even harder to make things even more affordable for you – Australia’s next generation – as we build.
Lending eligibility criteria applies.
Yes, we provide pre-approvals. To do this, we assess everything we can without knowing the final property you’ll be purchasing.
As is the market standard, pre-approvals are typically subject to satisfactory valuation of the property you purchase. If you’ve already purchased the property or exchanged contracts we can also go straight to an unconditional approval.
Prior to starting your application, we suggest you use our online calculators to understand your borrowing capacity and loan estimate.
Once you are ready to apply, click on Apply Now and follow the steps to complete and submit your application.
We have a suite of loan products that will benefit you, regardless of whether you are deposit or serviceability constrained.
All our loans have lower upfront fees than any comparable loan that requires LMI at the same LVR. See our rates page for more information.