Home Loans

Low rate investment loan

Our low rate investment loan offers a sharp interest rate with smart features and no ongoing fees.

Borrow up to 95% of the property value

Liberty’s sharpest investment loan interest rate

Our low rate investment loan is high on borrower benefits. From flexible repayments to redraw facility and free additional repayments.

  • No ongoing fees

  • Borrow up to $500,000

  • Rates from 6.84% p.a.# (6.92% 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
Free online redraw
Third party account transfers
100% offset facility
Additional repayments
Repay weekly, fortnightly, monthly
Professional investor###
Split loans
Fixed rate options


Application fee
Valuation fee^^
Settlement fee
Ongoing fee (annual)
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.

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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.

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Liberty home loans FAQs

  • Liberty’s free-thinking home loans were designed with borrowers in mind. For those looking to invest, we have options that give you flexibility. We also take the time to understand your circumstances so we can help you find the best loan match for your goals. For support determining if our low rate investment loan is right for your investment goals, speak with a Liberty Adviser today.

  • If you have solid financials and a good credit score, then the low rate 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.

  • Generally speaking, the larger your deposit the lower your interest rate. However, at Liberty we understand that not all borrowers can pull together a large deposit. At Liberty, we can help you find the solution that works for you. We have a range of home loans to help more free thinkers like you get financial and into a new home.

  • The main benefit of having a lower interest rate is to reduce the amount of interest you might pay over the life of the loan. However, there are other ways to help reduce the amount of interest payable, such as making extra repayments into your loan. When it comes to finding the right home loan for your situation, there is more to consider than just the interest rate. It may be that you need a loan that enables you to borrow a higher percentage of the purchase price, or a loan that will offer alternative ways to verify your income. Perhaps you require flexibility and features such as an offset facility to help make your additional cash reserves work for you. Ultimately, the best home loan for you is the loan that best suits your personal circumstances.

  • 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.

  • Loan-to-value ratio (LVR) is a term you are likely to come across when applying for an investment home loan. It refers to the ratio of the loan amount against the value of the property you are looking to purchase. For example, the maximum LVR on our low rate investment loan is 95%, which means you can borrow up to 95% of the property value. The LVR is also used to determine whether lender’s mortgage insurance (LMI) will be needed and what interest rate you are entitled to.


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Experts in free-thinking finance

Learn more about free-thinking loans

Other loans you might like:


Flexible investment 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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Low deposit investment loan

Popular with savvy investors, this loan enables you to borrow up to 95% of the property purchase price.

  • Small deposits accepted
  • Borrow up to 95% of purchase price
  • Loans up to $900,000
  • Refinancing available up to 90%




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Low doc investment loan

Perfect for self-employed investors, 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**




Comparison rate*

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Fresh start investment loan

You don’t live in the past, and neither do we. Our fresh start investment loan can help you take the next step forward.

  • Poor credit history considered
  • Loans up to $3M**
  • Borrow up to 85% of purchase price#
  • Gifted deposits accepted




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Residential SMSF loan

Use the power of your super for a residential property investment.

  • Low set-up cost
  • Limited recourse borrowing
  • Maximum loan $4M1
  • Borrow up to 80% of the property value#

Rates per annum from#



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.

##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.

*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.

###Application fee and interest rate loadings 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.