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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.
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Borrow up to 95% of the property value
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Loan amount of $50,000 to $1,200,000*
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Gifted and borrowed funds accepted
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Option to roll costs like mortgage insurance into the loan
| Features# | |
|---|---|
| Maximum LVR 95% |
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| Maximum loan amount* | $1,200,000 |
| Minimum loan amount | $50,000 |
| Principal & interest |
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| Interest only** |
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| Free online redraw |
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| BPAY |
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| Third party account transfers |
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| Split loans*** |
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| Additional repayments |
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| Repay weekly, fortnightly, monthly |
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| Owner-occupier & investor |
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| Professional investor |
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| Fixed rate options |
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| Loan Variables | |
|---|---|
| Non-genuine savings |
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| Gifted deposits |
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| Borrowed funds for deposit |
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| Inheritance |
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| Fees^ | |
|---|---|
| Application fee^^ | $0 |
| Valuation fee^^^ | $0 |
| Settlement fee | $0 |
| Ongoing fee (annual) | $295 |
| Manual redraw fee | $50 |
| 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.