Home Loans

Low doc investment loan

An option for self-employed free thinkers, our low doc investment loans can help you keep up with your plans.

Borrow up to 95% of the property value

Alternative income verification for investors

Ideal for property investors who are self-employed, our low doc investment loan has alternative income verification and flexibility.

  • Flexible income verification

  • Borrow up to 85% of purchase price#

  • Borrow up to $2M**

  • Rates from 7.74% p.a.# (8.00% p.a. comparison rate*)

Easy to understand features, variables and fees


Maximum LVR 85%
Maximum loan amount**
Minimum loan amount
Principal and interest
Interest only***
Free online redraw
Third party account transfers
Split loans****
100% offset facility with Visa Debit card##
Additional repayments
Repay weekly, fortnightly, monthly
Fixed rate options
Professional investors###

Loan variables+++

Start-up or established business
Cash for working capital
Debt consolidation
Credit impairment


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

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.

Frequently asked questions

  • A low doc investment loan is a more flexible solution for customers who might be self-employed, contractors or freelancers, and don’t have the latest financial statements or tax returns needed for a traditional loan application. Liberty offers options for alternative verification to help more people get financial with low doc loans. To find out more, check out our home loan repayment calculator or get in touch with a Liberty Adviser, who can talk with you about your situation to find a lending solution that best suits you.

  • At Liberty, we look at things differently, with solutions for all kinds of borrowers. We offer loans designed specifically for self-employed borrowers. Whether you’re looking for alternative ways to verify your income or greater flexibility around borrowing to expand your investment portfolio, Liberty has out-of-the-box solutions to keep up with your ideas.

  • While you don’t have to provide all the usual documentation like you would on a standard home loan, there are still some documents that lenders typically require for low doc investment loans. Liberty provides a range of loan options for self-employed customers with varying levels of verification.

    For a self-employed worker applying for a low doc investment loan secured by residential property, we can look at alternative documentation such as bank statements, BAS statements, or a completed accountant’s declaration. To learn more, get in touch with a Liberty Adviser, who can talk with you about your circumstances.

  • Liberty provides a range of home loans for self-employed borrowers. Depending on your credit history and amount you wish to borrow, the deposit will vary from customer to customer.

    To find out more, check out our borrowing power calculator or get in touch with a Liberty Adviser, who can talk with you about your situation to find a lending solution that best suits you.

  • 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.

  • At Liberty, we look at the whole picture when assessing an application for a loan. Even if you have bad credit, we have home loan solutions that take credit blemishes into account.

    We know that life can have its ups and downs, but your dreams of homeownership shouldn’t have to suffer. Speaking to your broker and being upfront about any credit issues can help put you on the path to home loan success.


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Experts in free-thinking finance

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  • Borrow up to $500,000




Comparison rate

Find out more

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.

###Interest rate loadings and application fee apply for company/trust or professional investor (applicants with ≥4 properties).

^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.

+++Subject to LVR restrictions. Not all features listed may be available. Additional fees and charges may apply.