Home Loan Eligibility

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Loan Eligibility

Loan Type
Owner Occupier
New Purchase or Refinancing
Loan to Value Ratio
Up to 98% LVR
Only applicable for borrowers who would otherwise require LMI. Not suitable for those eligible for the Federal First Home Guarantee (FFHG) or LMI waivers
Loan Type
Principal and Interest
Variable Interest Rate
Property Location
Metro Sydney, Melbourne, Brisbane, Canberra, Adelaide, Perth and Hobart
Property Type
New or Established Properties
No vacant land or construction loans
Property Size
Properties must be at least 50m²
excluding balconies and car space

Got questions? We have answers

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What documents will I need to apply?

After your application is submitted, we may request some additional documents based on the information you declare.

Identity Verification

You will need to provide 2 primary identity documents at submission. If you do not have two, we may request additional documents.


Primary Identity Documents

- Australian Passport

- Foreign Passport (Accompanied with IMMI Grant Notification)

- Driver’s License

- Government Issued Photo ID


Income Verification

We also require documentation to verify your income. In general, we require 2 payslips, however we may request additional documents based on the information that you declare.

Self employed applicants must provide 2 years of tax returns and corresponding financial statements.


Liabilities Verification

If you have any liabilities, we require the most recent statement for each of your current liabilities. We may request additional documents for further verification if required.

Who are your loans suitable for?

Our loan products are designed for borrowers looking for an 85-98% LVR home loan.

If you are a borrower who is seeking an 80-98% LVR loan, we suggest you apply or contact us for more information.

Our TMDs (Target Market Determinations) provide more information about who our products are suitable for.

How long do I have to be employed for before I apply for a loan?

This depends on your primary type of employment and how long you've worked within your industry. Hit Apply Now to complete an application, and our team will be in touch to discuss your circumstances

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 home loan concierge team is ready to chat!

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