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Great for self-employed
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Impaired history
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Up to $4.0M*
Streamlined low-doc commercial loans to support your investment
At Liberty we have a soft spot for businesses, so we’ve created a solution to suit those business borrowers who may not have full documentation – but aren’t far off. With multiple income verification options, we provide more free-thinking ways to help give you the financial support you need to invest and grow your business.
Our low-doc commercial loans are perfect for self-employed people and small businesses looking to invest in commercial property because we believe that your personal work and life-style choices should not limit your investment options.
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At a glance
| Rate (per annum) | |
|---|---|
| Rate | From 4.95%* |
| Features | |
|---|---|
| Maximum LVR** | 80% |
| Maximum loan amount*** | $4,000,000 |
| Minimum loan amount | $100,000 |
| Principal & interest |
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| Interest only |
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| Redraw |
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| Maximum loan term | Up to 30 years |
| Repay weekly, fortnightly, monthly |
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| Owner occupier & investor |
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| Fees^ | |
|---|---|
| Application fee^^ | From $795 |
| Establishment fee^^^ | From 1.00% |
| Service fee (per month) | $30 |
| Valuation fee | Varies |
| Settlement fee | $595 |
| Documentation fee | $695 |
| Redraw fee^^^^ | $85 |
| Deferred facility fee^^^^^ | 1.00% |
| Discharge fee | $395 |
| Loan Variables | |
|---|---|
| Start-up/established business |
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| Flexible payment options |
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| Alternative income verification |
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| Full Doc/Low Doc |
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Did you know?
Our low-doc commercial loans for small business people combine Liberty’s low interest rate with income verification that’s designed to help self-employed and small businesses to invest in commercial property.
Not everyone fits into the same little box and, at Liberty, we like that. We think differently about finance for small business and our low-doc loans for the self-employed are just the thing if you’re on the market for a commercial property investment.
*This page displays our best rates for eligible customers that can provide an accountant’s declaration, 6 months’ BAS statements and 6 months banking statements. Higher interest rates apply to eligible customers providing only an accountant's declaration. **80% LVR available for residential securities only and up to 70% for commercial securities. ***Subject to LVR restrictions. ^Other Fees and charges are payable. ^^Application fee of $1,045 may apply depending on assessment criteria. ^^^The establishment fee is calculated as a percentage of the loan amount and has a minimum fee of $2,500 or $5,000 depending on assessment criteria. ^^^^Minimum redraw amount $5,000. ^^^^^Deferred Facility fee is calculated as a percentage of the loan amount and is only payable if the loan is repaid before the earlier of the end of the term or the third anniversary of settlement.