{
  "source": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/ea0a982d-f0ad-40c9-9d92-9b8234ae839c",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "bundles": [],
    "features": [
      {
        "featureType": "OFFSET",
        "additionalValue": "100% offset facility with Visa Debit card",
        "additionalInfo": "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.",
        "additionalInfoUri": null
      },
      {
        "featureType": "REDRAW",
        "additionalValue": "Free online redraw",
        "additionalInfo": "Redraw facility allows you to access extra repayments made",
        "additionalInfoUri": null
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalValue": "Additional repayments",
        "additionalInfo": "Additional repayments allowed",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Third party account transfers",
        "additionalInfo": "Transfer funds to third party accounts",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Split loans",
        "additionalInfo": "Unlimited Splits. $0 for loans with ≤ 4 splits. Additional fee of $495 applies for loans with > 4 splits.",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Principal and interest",
        "additionalInfo": "Standard repayment option covering both principal and interest",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Interest only",
        "additionalInfo": "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.",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Flexible repayment frequency",
        "additionalInfo": "Repay weekly, fortnightly, monthly",
        "additionalInfoUri": null
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY",
        "additionalInfo": "BPAY payment facility available",
        "additionalInfoUri": null
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Professional investor",
        "additionalInfo": "Application fee and interest rate loadings apply for company/trust or professional investor applicants with ≥4 properties.",
        "additionalInfoUri": null
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.95",
        "additionalInfo": "Borrow up to 95% of purchase price.",
        "additionalInfoUri": null
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "2500000.00",
        "additionalInfo": "Subject to LVR and postcode restrictions.",
        "additionalInfoUri": null
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "50000.00",
        "additionalInfo": "Minimum loan amount of $50,000",
        "additionalInfoUri": null
      },
      {
        "constraintType": "OTHER",
        "additionalValue": "10-40 years",
        "additionalInfo": "Loan terms >30 years are subject to an interest rate loading of 0.25%. Lending criteria applies.",
        "additionalInfoUri": null
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalValue": "Individuals",
        "additionalInfo": null,
        "additionalInfoUri": null
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen/resident",
        "additionalInfo": "At least one applicant must reside in Australia",
        "additionalInfoUri": null
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalValue": "Non individual borrowers",
        "additionalInfo": "Corporate trustees for family trusts",
        "additionalInfoUri": null
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "Self-employed & PAYG",
        "additionalInfo": "Self-employed & PAYG applicants accepted",
        "additionalInfoUri": null
      }
    ],
    "fees": [
      {
        "name": "Application fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Other fees, charges and commissions may apply.",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Valuation fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "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.",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Settlement fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Other fees, charges and commissions may apply.",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Annual fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "295.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Ongoing annual fee $295",
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Manual redraw fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": null,
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Discharge fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "395.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": null,
        "additionalInfoUri": null,
        "discounts": null
      },
      {
        "name": "Professional investor fee",
        "feeType": "OTHER",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "995.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null,
        "currency": "AUD",
        "additionalValue": null,
        "additionalInfo": "Application fee and interest rate loadings apply for company/trust or professional investor applicants with ≥4 properties.",
        "additionalInfoUri": null,
        "discounts": null
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.092400",
        "comparisonRate": "0.100000",
        "calculationFrequency": null,
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": null,
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": null,
        "applicabilityConditions": null,
        "additionalValue": null,
        "additionalInfo": "From 9.24% p.a. Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. From 10.00% p.a. 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.",
        "additionalInfoUri": null
      }
    ],
    "productId": "ea0a982d-f0ad-40c9-9d92-9b8234ae839c",
    "effectiveFrom": "2026-05-15T00:00:00Z",
    "effectiveTo": "9999-12-30T13:00:00Z",
    "lastUpdated": "2026-05-15T00:00:00Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Low deposit investment loan",
    "description": "Low deposit investment loans",
    "brand": "Liberty Financial",
    "brandName": "Liberty Financial",
    "brandGroup": "Liberty Financial Pty Ltd",
    "applicationUri": null,
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://liberty.com.au/home-loans/low-deposit-investment-loans",
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "cardArt": null
  }
}