The best way to buy a home if you don’t have a “full” deposit

A suite of products to  get you into your home sooner
Our products are designed for borrowers looking for an 85-98% LVR home loan.
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Our products give you the flexibility to balance between upfront fees and interest rate to make the most of your circumstances.
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Whatever your choice, all our products are designed to provide better value than loans with Lenders Mortgage Insurance (LMI).

How are our loans structured?

Simple. We provide you with two home loans which allows us to give you the best options possible.
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Primary Loan
A larger loan for 70-80% of the value of the property
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Accelerator Loan
A smaller loan for the remainder of the property value
Why do we split our loans?
We believe this is better than a single rate loan, where regardless of the repayments you make, you’re stuck on a higher rate until you refinance.
All our loans are split between a larger Primary Loan (0-80% LVR) and a smaller Accelerator Loan for the remainder.

Splitting our loans empowers our customers. On our Low Rate and Low Fee products, the Accelerator Loan interest rate is higher than the Primary Loan. Splitting our loans allows you  to repay the Accelerator Loan off faster, and bring down your effective interest rate in the process!

Some of the reasons you'll love us

We’ve built a home loan product that we would recommend to our friends and family. Here’s just a few reasons why you’ll love a Sucasa loan
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Low Deposit

Borrow up to 98% LVR, depending on your circumstances.

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!

See 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

See our loan features  →

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Free unlimited extra repayments

No fees for additional repayments or early prepayment. Pay your loan down at your speed, no additional charges.

See our rates and fees  →

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No Pesky Fees

Save with Sucasa by missing out on pesky fees. $0 Monthly Fees, $0 Application Fee, $0 Annual Fees.

See our loan features  →

Where to next?

Explore what we have to offer, so you can make smarter decisions.
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Our Rates and Fees

See how much you’ll save by choosing a Sucasa over an expensive LMI loan with another lender

See Our Rates and Fees  →

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Loan Features

At Sucasa, we've got everything you need to get the most out of your home loan.

See Our Loan Features  →

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How Much Can I Borrow?

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

Borrowing Capacity  →

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Am I eligible?

Check to see if a sucasa loan is right for you and your circumstances

Check Eligibility →

Image of a couple sitting on the floor analysing some documents

How are your rates so low?

We’ve focused on helping borrowers who don’t have a “full” 20% deposit. Banks don’t do this. By building a suite of products designed specifically for our borrowers, we’ve been able to make our loans cheaper and more accessible

See our Rates and Fees

Self-employed?
No Worries.

As entrepreneurs, we celebrate business owners who take on the challenge of working for themselves.
If you have your docs ready, Sucasa could be for you.
We can lend to self-employed borrowers who have a strong credit history and are able to demonstrate income via tax returns or financial statements.

See our Rates and Fees
Image of a man busy working on a computer

Got Questions?

Chat to our Sydney Based Team

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
Sucasa logo image without logo text

See how much you can borrow and save with Sucasa.

Calculators

The best way to buy a home if you don’t have a “full” deposit

A suite of products to  get you into your home sooner. Lending eligibility criteria applies.
Detailed graph highlighting low fees, low rates, and ultra low rate
Our products are designed for borrowers looking for an 85-98% LVR home loan.
Detailed graph highlighting low fees, low rates, and ultra low rate
Small asterisks icon
Our suite of products will benefit you, regardless of whether you are deposit or serviceability constrained.
Small asterisks icon
Regardless of your choice – all our loans have lower upfront fees than any other loan that requires LMI at the same LVR. Lending eligibility criteria applies.

Low Rates - Up to 98% LVR

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

Ultra Low Rate - Variable

P&I - LIVE-IN - RATES 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    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 and Dad    no guarantors required
Loan summary icon signifying Unlimited pre-payments
Unlimited pre-payments    pay down your loan faster
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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.
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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.
Start Your Application

Some of the reasons you'll love us

We’ve built a home loan product that we would recommend to our friends and family. Here’s just a few reasons why you’ll love a Sucasa loan
Icon of a house with a grey roof

Low Deposit

Borrow up to 98% LVR, depending on your circumstances.

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!

See 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

See our loan features  →

Icon of lines in a vertical row

Free unlimited extra repayments

No fees for additional repayments or early prepayment. Pay your loan down at your speed, no additional charges.

See our rates and fees  →

Icon of a piggy bank

No Pesky Fees

Save with Sucasa by missing out on pesky fees. $0 Monthly Fees, $0 Application Fee, $0 Annual Fees.

See our loan features  →

How are Sucasa loans structured?

Simple. We provide you with two home loans which allows us to give you the best options possible.
Icon of a house with a white roof
Primary Loan
A larger loan for 70-80% of the value of the property
Icon of a white circle with an arrow coming out of it
Accelerator Loan
A smaller loan for the remainder of the property value
Icon of a house with a white roof
Primary Loan
Larger loan for 70-80% of the value of the property
Icon of a white circle with an arrow coming out
Accelerator Loan
A smaller loan for the remainder of the property value

Where to next?

Explore what we have to offer, so you can make smarter decisions.
Icon of a house with a arrow that signifies an increase

Our Rates and Fees

See how much you’ll save by choosing a Sucasa over an expensive LMI loan with another lender

See Our Rates and Fees  →

Icon of a checklist

Loan Features

At Sucasa, we've got everything you need to get the most out of your home loan.

See Our Loan Features  →

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

How Much Can I Borrow?

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

Borrowing Capacity  →

Icon of a magnifying glass hovering over a user

Am I eligible?

Check to see if a sucasa loan is right for you and your circumstances

Check Eligibility →

Image of a couple sitting on the floor analysing some documents

How are your rates so low?

We’ve focused on helping borrowers who don’t have a “full” 20% deposit. Banks don’t do this. By building a suite of products designed specifically for our borrowers, we’ve been able to make our loans cheaper and more accessible

See our Rates and Fees

Self-employed?
No Worries.

As entrepreneurs, we celebrate business owners who take on the challenge of working for themselves.
If you have your docs ready, Sucasa could be for you.
We can lend to self-employed borrowers who have a strong credit history and are able to demonstrate income via tax returns or financial statements.

See our Rates and Fees
Image of a man busy working on a computer

Got Questions?

Chat to our Sydney Based Team

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
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

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Get into your dream house sooner

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No LMI

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Your Home From Day 1

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Build Your Wealth Faster

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Purchasing with LMI

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+ 1 Year 7 Months Longer

+$53K additional cost

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Missed $136K in Capital Gains

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$195K Worse off

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Saving Full Deposit

+ 5 Years 9 Months Longer

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-

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Missed $570K in Capital Gains

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$675K Worse Off

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How Much Can I Borrow?