Commercial Loans
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Low doc commercial loan

With flexible income verification options, our low doc commercial loan is ideal for when things are a little more complicated.

Liberty Commercial loans

A flexible commercial solution to help you thrive

Our competitive low doc loan provides flexible income verification for free thinkers who may not have full documentation.

  • Suits self-employed borrowers

  • Flexible income verification

  • Borrow up to 80% LVR~

  • Rates from 8.60% p.a.+

Easy to understand features, variables and fees

Features

Maximum LVR~ 80%
Maximum loan amount1
$4,000,000
Minimum loan amount
$100,000
Principal and interest
Interest only+++
Redraw
Maximum loan term
Up to 30 years
Repay weekly, fortnightly, monthly
Owner occupier & investor

Loan variables

Established business
Flexible payment options
Alternative income verification

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

Ready to get moving?

Wherever you are in your journey, help is here however you need it.

Calculate your repayments

Our easy to use online calculator can help you work out what your loan repayments will be.

Contact a trusted adviser

Your local Liberty Adviser will be able to look at your financial situation and help you decide the best way forward.

Request a call back

Enter your contact details and a Liberty Adviser will be in touch to help you crunch the numbers.

Our innovation and flexible solutions have helped over 850,000 free thinkers.

Free thinkers like us see the possible!

When others see the impossible, we look past that and see what we can achieve together.

We’ve helped more than 850,000 customers get financial.

Supporting free thinkers from diverse backgrounds for over 25 years.

Proudly B Corp certified to make a difference beyond borrowing.

Championing women in sport to make a difference on and off the field.

Frequently asked questions

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Experts in free-thinking finance

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Things you should know:

~This page displays our maximum loan to value ratio (LVR) for eligible customers that can provide sufficient income verification documents. Customers providing less income verification will be subject to further LVR restrictions. Please call 13 11 33 or speak to your local Liberty Adviser for more details.

+Higher interest rates may apply. The actual interest rate applicable will depend on the loan to value ratio (LVR) and our assessment criteria including the level of income verification supplied. This page displays our best rate for eligible customers that can provide sufficient income verification documents.

1Subject to loan to value ratio (LVR) restrictions

+++Loans with an Interest Only period are subject to a 0.15% interest rate loading.

^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. Customers may elect to pay an upfront facility fee in lieu of a deferred facility fee prior to settlement .

^^^^^^Discharge fee of $395 plus legal fees and government charges are due upon loan finalisation.

#Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. Please call 13 11 33 or speak to your local Liberty Adviser for more details.