Liberty boosts support for low-deposit borrowers
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ACCORDING TO the MFAA, 45% of Australian mortgage brokers’ owner-occupier customers are first home buyers. This clearly highlights the significant role brokers play in helping Australians enter the property market amid the challenges they face.
With the national average house price now exceeding $1 million, affordability remains a hurdle for many prospective buyers, especially those with smaller deposits. As property prices rise and cost of living pressures remain, brokers are turning to flexible lending solutions to help clients secure finance with less upfront deposit.
For nearly 30 years, Liberty has partnered with brokers to deliver home loan solutions for those who require more flexibility or may not fit the traditional lending mould.
As one of Australia's leading non-bank lenders, Liberty offers innovative solutions to support customers with greater choice. Over more than 28 years, this free-thinking approach to loan solutions has seen more than 900,000 customers across a wide range of home, car, business and personal loans, as well as SMSF lending and insurance. Liberty remains the only non-bank lender with an investment-grade credit rating offering custom and prime solutions to help more people get financial.
CAESAR IBRAHIM,
LIBERTY
“From low-doc options to custom loans, we’re always seeking new ways to boost the borrowing power of Australians,” says Caesar Ibrahim, Liberty group manager – residential.
And Liberty’s latest suite of residential product updates have the potential to help even more homebuyers make their savings go further, faster.
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“From low-doc options to custom loans, we’re always seeking new ways to boost the borrowing power of Australians”
“We’re already seeing these [product] updates helping brokers support more first home buyers and self-employed customers with flexible, competitive solutions and more choice”
Liberty has unveiled a suite of residential lending updates designed to help brokers support more low-deposit borrowers, including a compelling alternative to traditional LMI
While it won’t make you a cappuccino,
ScotPac’s Partner Portal makes helping commercial clients so fast and easy brokers will wonder how they did without it
Published 22 Sep 2025
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Firms
IN Partnership with
Advertising
Authors
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Contact Us
Australian Broker Talk
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Resources
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Sector Focus
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Liberty’s recent product enhancements are designed to help more Australians into their dream homes sooner. The updates include increased loan limits, lower rates, 40-year loan terms and an enhanced self-insured product.
“We increased our home loan limits to $10 million for full-doc and $8 million for low-doc borrowers,” says Ibrahim. “We also introduced 40-year loan terms to support long-term affordability, and lowered rates across our home loan products.
“At the same time, we refreshed Swift – a product for those looking to avoid depleting their savings on a home purchase or finding it challenging to save a 20% deposit.”
Ibrahim says these updates help provide more options and smarter serviceability for potential homebuyers.
“We’re already seeing these updates helping brokers support more first home buyers and self-employed customers with flexible, competitive solutions and more choice.”
Liberty says Swift is a smart option for customers with strong serviceability who are looking to use a smaller deposit to buy their first home.
Swift also has a 2% serviceability buffer and offers a compelling alternative to traditional LMI for eligible borrowers looking at a loan above 85% LVR.
With Swift, premiums are competitive, and approvals are faster thanks to the fully in-house assessment process. This eliminates the need for third-party insurers and reduces friction in the lending journey.
Customers can save money and experience a smoother process to approval. For brokers, it means fewer delays, simpler approvals and more opportunities to help clients secure their property.
Ibrahim says Swift could be a great option for a range of borrowers with strong serviceability who want a low-deposit option to help them enter the property market.
“Imagine a couple with strong income and significant shareholdings but no deposit saved,” Ibrahim says. “With Swift, they could buy a home with a low deposit. There’s bigger potential to save time and money, and it gives brokers a way to help clients sooner, with greater flexibility.”
According to Ibrahim, Swift isn’t only for first home buyers who haven’t saved a 20% deposit. It could also be a good option for those who have the funds but prefer to continue leveraging their savings for investment purposes outside property.
“Perhaps you have customers who have worked hard to save enough money for a 20% deposit, but they decide they want to retain some of those funds for other investments, necessities or big life plans,” Ibrahim says.
“It might be for future renovations, diverse investments, planning for a family, or even an exciting holiday. Whatever the reason, Swift can help them make the most out of their savings while still securing a property.”
New updates and greater flexibility
Lower premiums, swift approvals
CAESAR IBRAHIM, LIBERTY
Providing greater choice
High-touch broker support
While Swift is the latest residential solution from Liberty to providing smarter serviceability, it won’t be the last. Borrower needs are constantly changing, making access to new options and more diverse offerings key.
Liberty is committed to helping Australians unlock more options to get into the property market sooner and will continue to employ a free-thinking approach to each application assessment. Brokers can expect this continued innovation from Liberty to help borrowers achieve their homeownership dreams.
“If you have a customer with a more complex situation, don’t say no before you talk to Liberty – we’re experts at finding custom and creative solutions to help a wide range of customers. Where others might see challenge, we see possibility.”
Brokers are instrumental in helping reduce barriers to accessing the housing market for first home buyers and borrowers with low deposits. That’s why Liberty’s commitment to supporting brokers goes beyond products.
Liberty understands that no two borrowers are the same and believes home lending should feature greater choice to help more people access the funds they need.
“Liberty home loans are designed to be tailored to individual circumstances, with dedicated BDMs, underwriters and support teams available to help brokers with scenarios,” Ibrahim says.
“The team is always happy to take a call to provide any help we can – before, after and throughout the application process. This direct access is a significant point of difference.”
Looking ahead
Find out more
“From low-doc options to custom loans, we’re always seeking new ways to boost the borrowing power of Australians”
CAESAR IBRAHIM,
LIBERTY