Free-thinking finance for the

It’s widely recognised that self-employed households in Australia are vital to a thriving economy, yet many lenders are hesitant when it comes to home loans for self-employed people.

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 business, Liberty has out-of-the-box solutions to keep up with your ideas.

Maximum LVR 95%
Maximum loan amount* $2,000,000
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+
Rate lock option++

Loan Variables
Start-up or established business
Unlimited debt consolidation
Cash for working capital
Full-doc or Low-doc

Application fee^^ $0
Valuation fee^^^ $0
Settlement fee $0
Ongoing fee (annual) $295
Manual redraw fee $50
Discharge fee $395
Professional investor fee**** $995
Fixed rate lock fee++ $900

Did you know?

Our low-doc home loans are ideal for self-employed people as they combine Liberty’s great low interest rate with a range of flexible home loan features. With our low-doc loans, we expand our thinking to consider alternative ways to prove your income.

If you have a new business, an established business or work as a contractor – find out more here for a home loan or an investment loan that fits your circumstances.

What documentation do I need to apply for a home loan if I’m self-employed?

Liberty provides a range of full-doc and low-doc loans for self-employed customers with varying levels of verification.

For a self-employed worker applying for a low-doc loan secured by residential property, we can look at alternative documentation such as bank statements, BAS statements, or a completed accountant’s declaration.

What if I’m self-employed and have bad credit?

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 as a consequence. Speaking to your broker and being upfront about any credit issues can help put you on the path to home loan success.

How much of a deposit do I need if I’m self-employed?

Liberty provides a range of home loans for self-employed borrowers with LVRs up to 95%. 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 home loan calculators 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.

*Subject to LVR restrictions. **Interest Only loans are subject to LVR restrictions and interest rates are higher than advertised interest rates. For further information on this product 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. +Fixed rates available on request. Redraw, BPAY and third party account transfers not available on fixed rate products. ++Rate Lock option available at $900 (non refundable) to lock the fixed rate for 90 days from date of payment (must be before formal approval). ^Other fees and charges may apply. 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