Low Deposit Home Loans

Get into property sooner with Liberty

Our low deposit home loans make it possible for first home buyers and property investors to borrow up to 95% of the property value, with reduced deposit requirements.

  • Borrow up to 95% of the property value
  • Competitive variable interest rates
  • Loan amount of $50,000 to $1,000,000*
  • Non-genuine savings, gifted and borrowed funds accepted
  • Option to roll costs such as mortgage insurance into the loan
Maximum LVR 95%available
Maximum loan amount*$1,000,000
Minimum loan amount$50,000
Principal & interestavailable
Interest only**available
Split Loans***available
Additional repaymentsavailable
Repay weekly, fortnightly, monthlyavailable
Owner-occupier & investoravailable
Professional investoravailable
Fixed rate optionsnot available
Loan Variables
Non-genuine savingsavailable
Gifted depositsavailable
Borrowed funds for depositavailable
Application fee^^$0
Valuation fee^^^$0
Settlement fee$0
Ongoing fee (annual)$295
Discharge fee$395
Professional investor fee****$995

#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. *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.

Approved applicants only. Lending criteria apply. Fees and charges are payable. Copyright © 2019 All rights reserved | Liberty Network Services Pty Ltd (ABN 65 151 158 628/Australian Credit Licence 408042) (LNS) is a wholly-owned subsidiary of Liberty Financial Pty Ltd (ACN 077 248 983/Australian Credit Licence 286596). Liberty Network Services has access to products including those from Liberty Financial.