Our Rates and Fees

Our aim is to be the best option if you don’t have a ‘full’ 20% deposit
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Our products are designed for borrowers looking for an 80-95% LVR home loan.
Our suite of products will benefit you, regardless of whether you are deposit or serviceability constrained.
Regardless of your choice – all our loans have lower upfront fees than any other loan that requires LMI at the same LVR.

Low Rates - Up to 95% 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*
6.58% p.a.
Comparison rate**
Low Deposit                      borrow up to 95% LVR            
Low Upfront Costs    get into your home sooner.
No income or price limits    we’re not a government scheme
No equity sharing    keep all your capital gains
No need to burden Mum and Dad    no guarantors required
Unlimited pre-payments    pay down your loan faster
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.

We’ve minimised those pesky fees!

We work hard to make sure you keep more in your pocket

Industry standard
Application fee
$0
Monthly fee
$0
Annual fee
$0
Online redraw fee
$0
Valuation fee
Passed on at cost
Settlement fee
Passed on at cost
Exit / discharge fee
$795
Application fee
Up to $600
Monthly fee
Up to $15
Annual fee
Up to $400
Online redraw fee
Up to $50 per redraw
Valuation fee
Up to $350
Settlement fee
Up to $650
Exit / discharge fee
$795

Government and third-party fees

Unavoidable, unfortunately.
Government refinance costs
These vary by state, but include title registration, discharge of mortgage, and title search fees.
Around $140 - $300
Government refinance costs
These vary by state, but include title registration, discharge of mortgage, and title search fees.
Dependent on your property value and which state you're in, but can be thousands.
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Industry standard
Application fee
Up to $600
$0
Monthly fee
Up to $15
$0
Annual fee
Up to $400
$0
Online redraw fee
Up to $50 per redraw
$0
Valuation fee
Up to $500
$395
Settlement fee
Up to $900
$395
Exit / discharge fee
$795
$795

Government and third-party fees

Unavoidable, unfortunately.
Government refinance costs
These vary by state, but include title registration, discharge of mortgage, and title search fees.
Around $140 - $300
Government refinance costs
These vary by state, but include title registration, discharge of mortgage, and title search fees.
Dependent on your property value and which state you're in.
If you find a lower LMI offer, we’ll beat it and give you $1,000 Cash!*
*Applies to a comparable 85-95% LVR variable owner occupier home loan of the same size with a comparable interest rate to the product being compared.
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What are the benefits of having two loans?

By splitting your home purchase into two loans, this means that:
01
You don’t need to pay expensive LMI
04
You can borrow up to 100% LVR
02
You can repay your Accelerator Loan (the more expensive one) faster with no additional charges
05
You can easily refinance with Sucasa as soon as you have built enough equity in your home
03
The more you contribute to your purchase, the lower your effective interest rate
06
Any additional prepayments you make, will directly reduce your effective interest rate

Loan Eligibility

Loan Type
Owner Occupier
You're buying a home to live in
Loan to Value Ratio
Up to 100%
No LMI Required
Loan Type
While you won’t require a deposit for the home, you’ll need  5% of the property value in genuine savings (from your own income or earnings), and, if Stamp Duty is more than this, enough total funds (regardless of source) to cover all your Stamp Duty
Property Location
Sydney or Melbourne
Property Size
Properties must be at least 50m²
excluding balconies and car space
About You
You are a professional and have a steady income.
You are an Australian Citizen or Permanent Resident living in Australia.
You are an Australian Tax Resident
Start Your Application

What You Need to Apply

In order for you to apply for a Sucasa loan, you’ll need to make sure you have:
Two forms of ID
Driver’s licence, Australian Passport or Medicare card
Personal Financial Information
Information about your employment, income, assets and liabilities.
Calculate Your Loan Estimate

See how much you can borrow and save with Sucasa.

Estimate Your Borrowing Capacity