Low deposit loans – when every dollar counts.

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

Unlike most lenders, 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 home loans make 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.

 
Features#
Maximum LVR 95%available
Maximum loan amount*$1,000,000
Minimum loan amount$50,000
Principal & interestavailable
Interest only**available
Redrawavailable
Split Loans***available
Additional repaymentsavailable
Repay weekly, fortnightly, monthlyavailable
Owner-occupier & investoravailable
Professional investoravailable
Fixed rate optionsnot available
Loan Variables
Non-genuine savingsavailable
Gifted depositsavailable
Borrowed funds for depositavailable
Inheritanceavailable
Fees^
Application fee^^$0
Valuation fee^^^$0
Settlement fee$0
Ongoing fee (annual)$295
Discharge fee$395
Professional investor fee****$995

Did you know?

Our low deposit home loans are designed to help first time buyers and property investors.

Borrow up to 95% of the value of a property with our competitive mortgage interest rates, and take that exciting first step to owning your first home (or your fifth!).

What’s great about our low deposit home loans is that we accept non-genuine savings, gifted and even borrowed deposits. You also have the option to include any additional mortgage costs (like Lenders Mortgage Insurance) in your total loan amount, making buying a home more achievable.

e-max.it: your social media marketing partner

#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 >$750k, where the security property is in a regional location or for additional securities.

Approved applicants only. Lending criteria applies. Fees and charges are payable. All rights reserved | Liberty Financial Pty Ltd | ABN 55 077 248 983 | Australian Credit Licence 286596 | Liberty Network Services Pty Ltd | ABN 65 151 158 628 | Australian Credit Licence 408042