Home Loans

Low deposit investment loan

Popular with savvy investors, this loan enables you to borrow up to 95% of your property value.

Borrow up to 95% of the property value

Borrow up to 95% of the property value

Our low deposit investment loan lets you leverage your residential property assets and minimise the need for a large deposit.

  • Small deposits accepted

  • Borrow up to 95% of purchase price

  • Borrow up to $900,000

  • Rates from 9.24% p.a.# (10.00% p.a. comparison rate*)

Easy to understand features, variables and fees


Maximum LVR 95%
Maximum loan amount**
Minimum loan amount
Principal and interest
Interest only***
Additional repayments
Free online redraw
Third party account transfers
100% offset facility with Visa Debit card##
Split loans****
Repay weekly, fortnightly, monthly
Professional investor###

Acceptable deposits

Non-genuine savings
Gifted deposits
Borrowed funds


Application fee
Valuation fee^^
Settlement fee
Ongoing fee (annual)
Manual redraw fee
Discharge fee
Professional investor fee###

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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.

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Your local Liberty Adviser will be able to look at your financial situation and help you decide the best way forward.

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Liberty home loans FAQs

  • If you have a small or gifted deposit, the low-deposit investment loan could be for you. The best way to know however is to get in touch with a Liberty Adviser. They can look at your situation and help guide you to a loan solution that will best suit your needs. So, no matter your circumstances, Liberty has solutions for free thinkers of all kinds.

  • At Liberty we understand that not all borrowers can pull together a large deposit, which is why our low-deposit home loan enables you to borrow up to 95% of the purchase price. Deposits less than 20% may require lenders mortgage insurance, however we can explore rolling this upfront cost into your loan so you can pay off over time. We have a range of home loans to help more free thinkers like you get financial and into a new home.

  • When it comes to finding the right home loan for your situation, there is more to consider than just the interest rate. While a lower interest rate generally means less interest paid over the life of the loan, if you’re a free thinker with unique circumstances, you might need a loan that requires other important features such as a smaller deposit or the ability to verify your income by alternative means. Ultimately, the best home loan for you is the loan that suits your circumstances.

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

    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 investment loan makes 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.

  • A target market determination describes who a product may be suitable for, based on likely needs, objectives, and financial situation. It also outlines who can distribute our products, how they can do this, and examples of situations when we may need to review our products and the target market. To view the target market determination for this product, click here.

  • There are many comparison websites that allow you to compare the interest rates, features, and requirements for various investment home loans. It is important to keep in mind that the lowest interest rate may not necessarily be the best loan for your circumstances. When looking for a low deposit home loan, you want to also consider the loan amount, loan features available and the lender’s track history, for example. Speaking with a Liberty Adviser can help you find a solution that suits you.

  • Applying for a home loan doesn’t need to be daunting. A good starting point is to seek out the services of an experienced mortgage broker. You want someone who understands what you’re trying to achieve and can help ensure your loan application is approved. Contact a Liberty Adviser to see how they can help you with a flexible investment loan today.


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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.

***Interest Only loans are subject to LVR restrictions and interest rates are higher than advertised interest rate. For further information on this product contact us on 13 11 33.

****$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.

###Application fee and interest rate loadings apply for company/trust or professional investor applicants with ≥4 properties.