Refinance, but flexible
Whether its renovations, investments or debt consolidation, Sucasa's refinancing
options open up new possibilities for your finances. Get ahead with Sucasa’s flexible refinance options
Get ahead, by making the most of what you already have
Refinancing your home loan with Sucasa can release equity from your home and also lead to lower monthly payments and reduced interest rates.
Maximise your home equity
Borrow up to 95% LVR depending on your circumstances
Consolidate debt
Consolidate up to four debts to improve your financial situation
Renovate or invest, sooner.
Equity release up to 95% LVR for renovations and approved purposes
Refinance up to 95% LVR
6.05% p.a.
6.28% p.a.
6.45% p.a.
6.71% p.a.
As seen in
What our customers are saying...
Based on your income and expenses for our Ultra-Low Rate product, you may be able to borrow:
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Estimated Monthly Repayment
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Interest Rate*
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p.a.
Comparison Rate**
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p.a.
Important - There are a lot of different factors that go into calculating how much you can borrow for a home loan. Every lender has their own way of calculating borrowing power so you might get different results with other home loan calculators. Our home loan borrowing calculator takes into account your income and expenses to give you an idea of how much you can expect to be able to borrow with a Sucasa Primary and Ultra-Low Rate Home Loan.
Estimated total funds to complete required
$0
Minimum Genuine Savings
This funds to complete calculator is a guide only, and gives you an estimate of what your funds to complete based on the property purchase price, loan amount, loan purpose, stamp duty and an Ultra-Low Rate Home Loan.
You’ll get a full assessment when you submit your application and enter the specifics of the property, your loan type, personal details and your financial situation. The above is not credit approval.
Estimated repayments
$0
/month
Principal and Interest Loan
Interest rate*
Comparison rate**
This home loan repayment calculator is a guide only, and gives you an estimate of what your repayments may be with Sucasa. This estimate is based on the purchase price, loan amount and loan term you entered and the current home loan interest rates for the Ultra Low Rate Home Loan.
You’ll get a full assessment when you submit your application and enter the specifics of the property, your loan type, personal details and your financial situation. The above is not credit approval.
How are your rates so low?
Getting you home sooner means we offer the cheapest low deposit mortgage we can. We do this by backing great borrowers and partnering with global and local institutions who share our vision.
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"We would highly recommend Sucasa to anyone in search of a home loan provider. We are grateful for their assistance in making our homeownership dreams a reality. From start to finish, the process was smooth and efficient and they were really good at communicating what was required in every step of the process."
"The savings and flexibility we had with Sucasa allowed us to buy our home and add a pool at the same time. Years earlier than we thought possible!
By avoiding LMI, Sucasa reduced our deposit by $21k. We kept that extra $21k in our bank account and used it to build a pool, something we thought would be years away.”
“My family are truly blessed and privileged to get associated with Sucasa as they made my first home loan process easier. Anyone looking for home loan without LMI,
Sucasa is there for you!
Way to go Sucasa!”
“We would definitely recommend Sucasa to other home buyers - the end to end service has been fantastic.We would like to give a shout out to Mario, He was fantastic and made the whole process really enjoyable. Thank you!”
Everything you need
FAQs
Find answers to your most pressing questions
Visit our Rates & Fees page to see our current interest rates.
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.
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.
LMI protects lenders and not borrowers. For various reasons, many/most lenders require LMI to protect themselves from default amongst borrowers with +80% LVRs.
We’ve taken a different approach.
Instead, we don’t charge LMI. We’re focused on lending to great borrowers and have created a suite of products specifically for great borrowers who don’t have a “full” 20% deposit.
We are proudly building an ethical, sustainable business to help financially responsible Australians get into their homes faster. We’ve built our own prudent lending criteria and are actually more conservative than most lenders in terms of who we will lend to.
So, in answer to your question – YES!
We are proudly lending responsibly, and very proud of the way we’re able to offer better-suited products to high-quality borrowers
Yes, we provide refinancing solutions, including debt consolidation for up to 95% of your property’s current value, as well as cash-out options for up to 90%.
Please click Apply Now if you are looking to refinance.
Conditional Pre-Approval will typically take 24-48 hours from application submission.
You can see our eligibility requirements here.
To apply for a loan, click here.