Low deposit home loans
Borrow up to 95% of the property value

Taking the plunge into the property market is never easy. Whether you’re a first home buyer or a seasoned investor, pulling together a full deposit on a new home can be a grueling experience that takes time. Unfortunately, the property market doesn’t stand still while you pull your pennies together.

Unlike most lenders, Liberty understands that many first time buyers often have gifted funds from family members to help get a leg up on the property ladder sooner. Our low-deposit home loans make it possible for you to borrow up to 95% of the property value, reducing your deposit requirements.

We also have options that roll costs such as Lenders Mortgage Insurance into the loan so that a large chunk of your upfront costs can be paid off over time.

Maximum LVR 95%
Maximum loan amount* $900,000
Minimum loan amount $50,000
Principal & interest
Interest only**
Free online redraw
Third party account transfers
Split loans***
Additional repayments
Repay weekly, fortnightly, monthly
Owner-occupier & investor
Professional investor
Fixed rate options

Loan Variables
Non-genuine savings
Gifted deposits
Borrowed funds for deposit

Application fee^^ $0
Valuation fee^^^ $0
Settlement fee $0
Ongoing fee (annual) $295
Manual redraw fee $50
Discharge fee $395
Professional investor fee**** $995

Did you know?

Our low deposit home loans are designed to help first time buyers and property investors.

Borrow up to 95% of the value of a property with our competitive mortgage interest rates, and take that exciting first step to owning your first home (or your fifth!).

What’s great about our low deposit home loans is that we accept non-genuine savings, gifted and even borrowed deposits. You also have the option to include any additional mortgage costs (like Lenders Mortgage Insurance) in your total loan amount, making buying a home more achievable.

#Quoted rates apply to principal and interest loans. Depending on your circumstances, loan features may vary. Other loan variables may also be used to determine the most appropriate rate and fees for your circumstances. *Higher loan amounts available subject to LVR restrictions. **Interest Only loans are subject to LVR restrictions and interest rates are higher than advertised interest rate but for further information please contact us on 13 11 33. ***$495 fee applies for loans with more than 4 splits. ****Application fee and interest rate loadings apply for company/trust or professional investor applicants with ≥3 properties. ^Other fees and charges are payable. Contact us on 13 11 33 for more information on fees and charges. ^^A fee of $995 applies to our Sharp product. ^^^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.