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
  • Loan amount of $50,000 to $900,000*
  • Gifted and borrowed funds accepted
  • Option to roll costs like mortgage insurance into the loan

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

#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.