Low Deposit Home Loans

Low Rates. Low Upfront Fees.

Rate City Gold Award badge image of We money award badge
Arrow Separator

Why Sucasa?

Icon of a house with a grey roof

Low Deposit

Borrow up to 98% LVR, depending on your cicumstances

See how much you can borrow  →

Tick icon for low rates

Low Rates

Competitive low rates. Our customers choose us over the banks because we save them thousands of dollars

See our rates and fees  →

Faster icon for lower upfront costs

Lower Upfront Costs

A suite of products with lower upfront costs than LMI. Make the most of your savings and get into your home sooner

Calculate my repayments  →

Shield icon for no income caps or price

No income caps or price limits

We’re not a government scheme. We’re a business backing hard-working Australians for the decades to come!

Learn about our loan features  →

X icon for no equity or guarantors

No equity sharing or guarantors

Build your wealth by keeping all your capital gains. No family guarantees required. Give yourself the best chance to avoid using the Bank of Mum and Dad

See our rates and fees  →

Square icon with line running through signifying a dedicated home loan specialist

A dedicated Home Loan Specialist

You'll have a specific person, your Home Loan Specialist, to guide you through the whole home-buying journey – all the way from Application to Settlement

Learn about our loan features  →

Low Rates - Up to 98% LVR

A head turning rate that helps you get into your dream home sooner.

Rate City Gold Award badge

Ultra Low Rate - Variable

P&I - LIVE-IN - STARTING FROM:
6.30% p.a.
Interest Rate*
6.63% p.a.
Comparison rate**
Percentage icon signifying low rates
Low Deposit      borrow up to 98% LVR    
Asterisk icon signifying lower upfront costs
Lower Upfront Costs   than LMI
Heart icon signifying No income or price limits
No income or price limits    we’re not a government scheme
Download icon signifying no equity sharing
No equity sharing    keep all your capital gains
Twi users icon signifying No need to burden Mum & Dad 
No need to burden Mum & Dad    no guarantors required
Loan summary icon signifying Unlimited pre-payments
Unlimited pre-payments    pay down your loan faster
Calendar icon signifying Free online redraw
Free online redraw    on any additional repayments for primary loan
*For purchases up to $2.5m with a Sucasa Primary and Ultra Low-Rate Accelerator Variable Home Loan. Higher rates may apply for property prices above $2.5m. Upfront costs apply in addition to the interest rate.
Icon of a house with a arrow that signifies an increase
Our products are designed for borrowers looking for a 85-98% LVR home loan.
More about our loans
Star with tick inside icon
If you find a lower LMI offer, we’ll beat it and give you $1,000 Cash!*
*Applies to a comparable 85-98% LVR variable owner occupier home loan of the same size with a comparable interest rate to the product being compared.
Apply Now

Here’s how Sucasa is already helping others

Watch Their Story

What our customers say about us ...

Rate City Gold Award badge image of We money award badge

Sucasa Stories

“Sucasa helped us buy a home years earlier than we expected”

Joe and Ashley

“Our Home Buying Advisor made the whole homebuying process simple and easy to understand”

Pete and Nicole

“Our Home Buying Advisor made the whole homebuying process simple and easy to understand”

Mark and Sophie

Icon with thumbs up and text saying 100% your equity
01
Understand your borrowing capacity
Use our calculators to understand how much you can borrow with Sucasa.
02
Apply online
It takes 20 mins to apply. You can complete our easy to use digital application and contact our friendly team if you have questions at any time!
03
Get approved
When you are fully approved, your loan docs will be auto-generated and emailed to you. Sign, return and you’re good to go!
Sucasa logo image without logo text

Apply for approval online and reach out if you need help at any time

Apply Now
Am I eligibile?
01
Understand your borrowing capacity
Use our calculators to understand how much you can borrow with Sucasa.
02
Apply online
It takes 20 mins to apply. You can complete our easy to use digital application and contact our friendly team if you have questions at any time!
03
Get approved
When you are fully approved, your loan docs will be auto-generated and emailed to you. Sign, return and you’re good to go!

Run the Numbers

Icon of a small house and a large house side by side

Borrowing Capacity

Run the numbers before you get started, to get an upfront estimate of your borrowing power

Borrowing Capacity
Math icon displaying calculator buttons

Repayment Calculator

Does your home loan fit within your budget? Find out what your repayments will be.

Repayment Calculator

Meet Our Team - Based in Sydney

There’s a whole bunch of clever people at Sucasa HQ in Sydney, working to make home loans faster, smarter and simpler. If you need help with your application, our team is ready to assist!

Image of a young women in a white turtle neck top, facing the camera smiling

Proudly backed by world-class investors

Sucasa is proud to be backed leading global fintech and proptech investors and to be partnering with some of Australia’s leading funders.
Zigg Capital logo icon
1984 logo icon

Got questions? We have answers

How are your rates so low? What’s the catch?

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. Lending eligibility criteria applies.

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.

Are you a mortgage broker or a bank?

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.

Can I get a pre-approval online?

Yes, we provide conditional pre-approvals online.

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 calculator 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.

How do I make sure I am getting the best deal on my home loan?

We have a suite of loan products that will benefit you, regardless of whether you are deposit or serviceability constrained. Loan eligibility criteria apply.

Regardless of your choice – all our loans have lower upfront fees than any comparable loan that requires LMI at the same LVR. See our Promise for more details.

Do you offer refinancing?

Yes. We offer refinancing solutions including debt consolidation and cash-out to borrowers who meet our lending eligibility criteria.

Please click on Apply Now and submit an application for your refinancing.

Sucasa logo image without logo text

See how much you can borrow and save with Sucasa

Calculators

The Best Way To Buy a Home

Here's how a family earning $250k a year, with $90k in savings would benefit if they purchased their $1.2m Sydney home with Sucasa. The below assume's property prices grow at their rough historical average of 7% p.a. However, even if prices don't grow at all, you'll be much better off with Sucasa. Head over to our calculator to learn more.

Sucasa logo image without logo text

Sucasa No Deposit Home Loan

Fast forward icon

Get into your dream house sooner

Hourglass icon

No LMI

Icon of a house with a white roof

Your Home From Day 1

Small percentage icon

Build Your Wealth Faster

Small temple icon

Purchasing with LMI

small red arrow icon facing down

+ 1 Year 7 Months Longer

+$53K additional cost

small red arrow icon facing down

Missed $136K in Capital Gains

small red arrow icon facing down

$195K Worse off

small red arrow icon facing down
Small piggy bank icon

Saving Full Deposit

+ 5 Years 9 Months Longer

small red arrow icon facing down

-

small red arrow icon facing down

Missed $570K in Capital Gains

small red arrow icon facing down

$675K Worse Off

small red arrow icon facing down
How Much Can I Borrow?