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Flexible investment loan

Our flexible investment loan offers the ultimate in features for free thinkers looking to build their portfolio.

Borrow up to 95% of the property value

A fully featured investment loan for property investors

This full featured investment loan suits first time investors as well as those looking to build their property portfolio.

  • 100% offset facility##

  • Interest only available***

  • Borrow up to $3M**

  • Rates from 6.94% p.a.# (7.21% p.a. comparison rate*)

Easy to understand features, variables and fees


Maximum LVR 95%
Maximum loan amount**
Minimum loan amount
Principal and interest
Interest only***
Additional repayments
Free online redraw
Third party account transfers
100% offset facility with Visa Debit card##
Repay weekly, fortnightly, monthly
Split loans****
Professional investor###
Fixed rate options+
Rate lock options++


Application fee
Valuation fee^^
Settlement fee
Ongoing fee (annual)
Manual redraw fee
Discharge fee
Professional investor fee###
Fixed rate lock fee++

Ready to get moving?

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

Check your borrowing power

Use our simple calculator to work out how much you might be able to borrow.

Get online pre-approval

Move ahead with confidence. Our online indicative pre-approval tool gives you an answer instantly. It's fast and fuss free.

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.

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

  • Our flexible investment loan is a free-thinking option for borrowers seeking more features from their home loan to help expand their property portfolio. If you’re looking for ways to boost your savings, build your equity and own your own property sooner, explore how the features of our flexible investment loan could work for you. To find out more, check out our home loan calculators or get in touch with a Liberty Adviser to discuss your situation and find a lending solution that best suits you.

  • The best way to know however is to get in touch with a Liberty Adviser. They can look at your situation and help guide you to a loan solution that will best suit your needs.

    So, no matter your circumstances, Liberty has solutions for free thinkers of all kinds.

  • At Liberty we understand that not all borrowers can pull together a large deposit. We can help you find a solution that works for you. We have a range of home loans to help more free thinkers like you get financial and into a new home.

  • A target market determination describes who a product may be suitable for, based on likely needs, objectives, and financial situation. It also outlines who can distribute our products, how they can do this, and examples of situations when we may need to review our products and the target market. To view the target market determination for this product, click here.

  • When it comes to finding the right home loan for your situation, there is more to consider than just the interest rate. A lower interest rate generally means less interest paid over the life of the loan. However, if you’re a free thinker with unique circumstances, you might need a loan that offers other important features such as a smaller deposit or alternative income verification. Ultimately, the best home loan for you is the loan that suits your circumstances and investment goals.


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Experts in free-thinking finance

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Things you should know:

#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.

*Comparison rates are based on a secured $150,000 loan over a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

**Subject to LVR restrictions.

***Interest Only loans are subject to LVR restrictions and interest rates are higher than advertised interest rate. For further information on this product contact us on 13 11 33.

****$0 for loans with ≤ 4 splits. Additional fee of $495 applies for loans with > 4 splits.

##Any available redraw funds held in the offset facility connected with your loan account will be used to reduce the amount of interest you pay on your loan. Liberty is not a bank. The offset facility on your loan account is not covered by any Government guarantee. International transaction fees apply on purchases or cash advances while overseas or in Australia when the merchant processing the transaction is located overseas. ATM fees apply for a cash withdrawal at a non major bank ATM or rediATM in Australia.

###Application fee and interest rate loadings apply for company/trust or professional investor applicants with ≥4 properties.

+Fixed rates available on request. Offset, redraw, BPAY and third party account transfers not available on fixed rate products.

++Rate Lock option available at $900 (non refundable) to lock the fixed rate for 90 days from date of payment (must be before formal approval).

^Other fees and charges may apply. Contact us on 13 11 33 for more information on fees and charges.

^^Valuation fee not applicable for loans under 90% LVR. Additional valuation expenses may be payable where the anticipated security property value is >1.5m, where the security property is in a regional location or for additional securities.