Liberal
Effortlessly secure your home ownership – Specialist Loan: Liberal the no MI option for borrowers looking to finance up to 85% LVR
Are you looking for a home loan product that offers your customers the flexibility and security they need to achieve their homeownership goals??
Look no further than Mortgage Street’s Liberal . This innovative product is designed to provide borrowers with no mortgage insurance up to 85% loan-to-value ratio, making it an ideal choice for borrowers who want to avoid the added hurdles of mortgage insurance. Additionally, Liberal offers no risk fee up to 70% loan-to-value ratio, which can help to lower the overall cost of the loan for borrowers.
And for those who need a little extra help, the risk fee can be capitalised, with a maximum LVR of 80%. With these benefits and more, Mortgage Street’s Liberal is the perfect choice for your customers and the smart choice for you as a mortgage broker..
As Australia’s premier alternative lending solution, our mission is to empower our brokers to achieve their goals
Our goal at Mortgage Street is to provide you & your customers with first-class service and innovative products to help you deliver solutions to your clients who don’t fit traditional lending criteria. But if your clients don’t qualify for a bank loan, Mortgage Street can always find alternatives. With 24 mortgage options available, we can help your customers find the right fit for their unique situation.
Mortgage Street is committed to providing a modern, efficient service to our clients. By distributing home loans through professional Australian mortgage brokers, we can offer a convenient and streamlined digital process that allows you to apply for a loan, submit documents, and track the progress of your application from the comfort of your own home.
Working with a Mortgage Street accredited professional mortgage broker means you can benefit from their expertise and industry connections. This can often result in faster approval times, as brokers are able to expedite the loan assessment process and provide lenders with the information they need to decide.
Each lender has their own credit policies, which can vary significantly. By working with a Mortgage Street accredited mortgage broker, you can access a wider range of lenders and take advantage of more flexible credit policies that may be better suited to your individual circumstances.
A Mortgage Street accredited mortgage broker can help you to maximise your borrowing capacity by advising on the best loan structure and providing guidance on how to strengthen your application. This can be helpful if you have a complex financial situation or are self-employed.
Negative gearing considerations
If you are planning to purchase an investment property, a Mortgage Street accredited mortgage broker can help you understand the tax implications of negative gearing and advise on the best home loan options to suit your goals.
A Mortgage Street accredited Mortgage brokers have access to a wide range of lenders, including those that may consider larger loan amounts. This can be especially useful if you are looking to purchase a more expensive property or undertake extensive renovations.
No mortgage insurance to 85% LVR
Many lenders require mortgage insurance for home loans with a loan-to-value ratio (LVR) of over 80%. By working with a Mortgage Street accredited mortgage broker, you may access lenders that do not require mortgage insurance up to an LVR of 85%, saving you money on your loan.
Turbo charge your application for faster turnaround times
Fill up the MSt 003 and get low rates within a day
Complete the MSt 001 for ready to submit a new application
Mortgage Street focuses on what you and your customer needs. Submit a scenario now and we’ll help you every step of the way.
Helpful guides & forms
Don’t let your unique situation hold you back, explore the 24 mortgage options offered by Mortgage Street.
Good Borrowers
Specialist loan
Reloaction loan
The maximum loan amount that your clients can borrow under Liberal is $1,000,000 per single security. However, if your clients are looking for a higher loan amount, it’s best for them to complete MSt 003 to explore higher loan options. For more information on loan options, visit our website and speak to one of a Mortgage Street accredited mortgage brokers who can guide you through the process.
The highest loan-to-value ratio (LVR) that your clients can obtain in Liberal products is 80%. If your clients are seeking a higher LVR, they should check out our Good Borrowers products (Ultra Prime, Super Prime, Premium & Optimax) or complete MSt 003 to see if they qualify for a higher LVR. Visit our website to learn more about the loan options available to your clients and how to apply for them.
Liberal products can accommodate a strata apartment as small as 30m 2 , which is a great option for clients who are looking for a small apartment, unlike other traditional home loans. If you have clients who are looking to purchase a 30m 2 strata apartment, our Liberal products can be a great fit for them. To learn more about our Liberal products and how they can help your clients, visit our website today.
With our Liberal products, there is no risk fee required for LVR up to 70%. This can be a great option for your clients who are looking for a home loan with a lower risk fee & they can enjoy extra savings when borrowing with our Liberal products. To learn more about our Liberal products and how they can help your clients, visit our website today.
The ideal time for your clients to apply for a second mortgage with our Liberal products is when they need to borrow more than 80% LVR and if your clients apply for a second mortgage together with the first. The application process for a second mortgage is easy, your clients can simply complete MSt 003 to check if a second mortgage is needed. To learn more about our second mortgage options and how they can help your clients, visit our website today.
Monday to Friday 9am – 5pm (Sydney time)
+LVR stands for the loan-to-value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and won’t change during the life of the loan as the LVR changes.
*Comparison rate: The comparison rate is based on a loan of $150,000 over the term of 25 years. 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.
Loan applications, refinances and balloon amounts are subject to credit assessment.
Conditions, credit criteria, fees and charges apply. Based on Mortgage Street’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.
