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.
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See Eligibility
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Our products are designed for borrowers looking for an 85-98% LVR home loan.
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Our suite of products will benefit you, regardless of whether you are deposit or serviceability constrained.
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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**
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Low Deposit     borrow up to 98% LVR     
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Lower Upfront Costs    than LMI
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No income or price limits    we’re not a government scheme
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No equity sharing    keep all your capital gains
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No need to burden Mum and Dad    no guarantors required
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Unlimited pre-payments    pay down your loan faster
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Free online redraw    on any additional repayments for primary loan
See How Much You Can Borrow
Get Started
*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
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Low Deposit

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

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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.
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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.
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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
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Primary Loan
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

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

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
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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!

Email Us
About Us
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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.

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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?

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Sucasa Loans Pty Ltd ACN 106 968 370 Australian Credit Licence 443249. Australian Financial Complaints Association (AFCA) 93243. Copyright Sucasa Finance Pty Ltd.

**Comparison rates: All comparison rate examples shown are for a loan amount of $150k and a term of 25 years at a 98% LVR. WARNING: Sucasa’s rates currently vary based on the value of a property. Comparison rates apply only to the example or examples given and may not include all fees and charges. Different loan amounts and terms will result in different comparison rates. The actual rate offered may be higher or lower than the comparison example above.

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. You must consider whether a Sucasa Loan is appropriate for your circumstances and needs. If necessary, seek your own professional advice. Credit criteria, fees, charges, terms and conditions apply. Information correct as at 18th December 2022.