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Low deposit home loan
Our low deposit home loans could be the perfect solution for buying your first home.
Low deposit home loan
Low deposit home loan
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Borrow up to 95% of the purchase price
Popular with first homebuyers, our low deposit loan enables you to borrow up to 95% of the property purchase price.
Small deposits accepted
Borrow up to $900,000
Gifted deposits accepted
Rates from 8.89% p.a.# (9.64% p.a. comparison rate*)
Easy to understand features, variables and fees
Features
Acceptable deposits
Fees^
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.
Liberty home loans FAQs
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Other loans you might like:
Low rate home loan
Our low interest rate loan has flexible repayments, redraw and free additional payments.
- Great low rate
- No ongoing fees
- Borrow up to $500,000
- Principal and interest only
RATES PER ANNUM FROM#
(6.57%*)
Comparison rate
Flexible home loan
This full featured loan lets you choose fixed or variable rates and provides options to help you pay off your loan faster.
- 100% offset facility##
- Multiple loan splits
- Linked Visa debit card##
- Borrow up to $3M**
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Comparison rate
Low doc home loan
Perfect for self-employed borrowers, our low-doc loan offers alternative ways to verify your income.
- Suitable for self-employed
- Flexible income verification
- Borrow up to 85% of purchase price#
- Borrow up to $2M**
RATES PER ANNUM FROM#
(7.66%*)
Comparison rate
Fresh start home loan
You don’t live in the past, and neither do we. Our fresh start loan can help you take the next step forward.
- Poor credit history considered
- Loans up to $3M**
- Borrow up to 95% of purchase price#
- Gifted deposits accepted
RATES PER ANNUM FROM#
(7.89%*)
Comparison rate
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.
****$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.
^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.