Low Deposit Home Loans
Low Rates. Low Upfront Fees.
Low Rates. Low Upfront Fees.
Borrow up to 98% LVR, depending on your cicumstances
See how much you can borrow →
Competitive low rates. Our customers choose us over the banks because we save them thousands of dollars
See our rates and fees →
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 →
We’re not a government scheme. We’re a business backing hard-working Australians for the decades to come!
Learn about our loan features →
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 →
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 →
A head turning rate that helps you get into your dream home sooner.
Run the numbers before you get started, to get an upfront estimate of your borrowing power
Does your home loan fit within your budget? Find out what your repayments will be.
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!
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.
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.
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.
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.
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.
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.