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?
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!
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.

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  →

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Low Rates

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

See our rates and fees  →

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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  →

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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  →

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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  →

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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 →

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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

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
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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!

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See how much you can borrow and save with Sucasa.