Freedom Accelerator 95% LVR Home Loan
Enter the market sooner with a flexible 95% LVR loan, a transparent risk-fee structure and dedicated lending specialists guiding you from application to settlement.
- Borrow up to 95% of the property value with a 5% deposit
- Risk fee structure in place of traditional lenders mortgage insurance
- Online application in minutes, with document upload and digital verification
- Backed by an award-winning Australian non-bank lender
Why Some Borrowers Choose 95% LVR Instead of Waiting for a 20% Deposit
For many Australians, the biggest hurdle is not the monthly repayment – it is the years spent saving a 20% deposit while rents and property prices keep moving. Recent research suggests that an average-income household can spend close to six years saving a full 20% deposit for a typical home. (News.com.au)
Get in sooner while you are still on track with income and life stage
Buying with a 5% deposit lets eligible borrowers move from renting into ownership earlier, so more of their housing budget goes into their own equity rather than rent.
Avoid “chasing the market”
In markets where values are trending upwards, waiting for a 20% deposit may mean the goalposts keep shifting. By the time the deposit target is reached, the property you wanted may be out of reach.
Start building equity and financial discipline
A home loan requires regular, predictable repayments. That discipline, combined with possible capital growth over time, can help build a long-term financial base.
Leverage government and state-based schemes where eligible
Some borrowers may be able to combine a low deposit with government guarantees or grants. These schemes change over time; our team can explain how they might interact with a 95% LVR structure, subject to eligibility.
( Prime Minister of Australia )
A higher LVR is also higher risk. Repayments will usually be larger than with a 20% deposit, and your borrowing capacity will still depend on our credit criteria, your income, expenses and overall financial position.
When Saving a 20% Deposit May Be the Smarter Strategy
A 95% LVR loan is not the right answer for everyone. In flatter or declining markets – or for borrowers who already have significant savings – waiting to reach a 20% deposit can offer different advantages.
Lower repayments and potentially sharper pricing
A larger deposit reduces the loan size. That can lower monthly repayments and, for some borrowers, may qualify you for lower interest rate options.
More resilience if property prices move sideways or down
With more equity at the start, you have a larger buffer if values dip or your plans change and you need to sell.
Greater flexibility for future refinances
Moving between lenders or products is generally easier when your LVR is 80% or less, as there is less reliance on high-LVR or risk-fee pricing.
The Freedom Accelerator is designed for borrowers who value sooner entry to the property market and can demonstrate they can comfortably manage the higher repayments and risks that come with 95% LVR borrowing.
Replacing Traditional Lenders Mortgage Insurance with a Risk Fee
The risk fee model
- Traditional lenders mortgage insurance protects the lender when the LVR is above 80%. It is often provided by a third-party insurer, involves separate approvals and can add thousands to the upfront cost of buying a home.
- The Freedom Accelerator uses a risk fee model instead of external LMI.
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The risk fee is a one-off cost that recognises the additional risk of lending up to 95% of the property value. It may be:
- paid upfront at settlement, or
- capitalised into the loan amount (subject to credit criteria and LVR caps).
Benefits
Fewer moving parts
Fewer moving parts – one lender, one approval path
Clearer expectation
Clearer expectation setting, because the risk fee is explained from the start
approval timeframes
Potentially reduced approval timeframes compared to external LMI workflows
The risk fee does not remove the risk of loss if you cannot meet repayments or if property values fall. It is not an insurance policy for the borrower. Full fee details will be provided in your loan offer.
Reduce Stress by Being Completely Open with Your Broker or Lender
Many home loan surprises happen not because the product is wrong, but because something important was not disclosed early. The fastest way to reduce stress is to be fully transparent with your broker or Mortgage House lending specialist from the very first conversation.
“Not withholding is golden.
The more complete your picture, the better your broker or lender can structure a loan that fits and is more likely to reach settlement without last-minute surprises.”
Declaration
Declare all income sources, casual work, bonuses and overtime – even if you think they are minor.
Listing
List every credit card, buy-now-pay-later account, personal loan and store card.
Honesty
Be honest about living expenses, dependants, and upcoming life changes (like parental leave or starting a business).
Share
Share any credit issues up-front so we can help you understand your options.
Key Features of the Freedom Accelerator 95% LVR Home Loan
| Loan purpose | Owner-occupied purchase, selected refinances (subject to credit criteria) |
| Maximum LVR | 95% |
| Minimum loan size | $150,000 |
| Maximum loan size | $2,500,000 (Mortgage House) |
| Repayment type | Principal and Interest |
| Rate type | Product owner to select (variable / fixed / hybrid) and keep synced with rate card |
| Redraw | Available subject to minimum redraw amounts and product terms |
| Additional repayments | Allowed on variable rate loans |
– Fees –
| Application fee | $995 |
| Settlement fee | $445 |
| Risk fee | 1.75% |
| Ongoing fees | $395 per year |
Interest rates and fees are subject to change. Mortgage House credit criteria apply. Full terms, conditions, fees and charges will be provided with your loan offer. This is general information and does not take your personal objectives, financial situation or needs into account.
How the Freedom Accelerator Process Works
Borrowing Preparation
Check your borrowing power
Use our borrowing power calculator and speak with a lender to understand your approximate borrowing range before you set a property target. Visit Calculator Hub
Complete a transparent digital fact-find
Enter your income, expenses, debts and goals. Upload payslips, bank statements and identification.
Loan Pathway
Receive a tailored recommendation
A Mortgage House lending specialist reviews your information and explains whether a 95% LVR loan appears appropriate, or if another strategy (such as waiting for a higher deposit) may better align with your position.
Conditional approval
Subject to assessment, you may receive conditional approval that outlines your maximum borrowing and conditions.
Approval & Settlement
Property, valuation and final approval
Once you find a property, the valuation and final checks are completed. We then finalise approval and issue documents.
Settlement and beyond
Our team coordinates settlement and supports you post-settlement with rate reviews, repayment strategy discussions and refinancing options if your situation changes.
Calculators and tools
What people are Saying
Mortgage House were very helpful. I was extremely nervous about the process of refinancing however, Brij, my consultant made everything easy for me and was really supportive throughout the whole process. The process was also very quick. I would highly recommend Mortgage House.
Thanks Jason Seeto for your excellent customer service and support during my Homeloan application! Definitely recommend you for always going above and beyond expectations and being so easy to deal with. Explaining processes and fine lines in detail, ensuring that all information is understood before signing/proceeding. Thanks heaps and look forward to working with you again in future!
Having been a disgruntled bank customer for many years – I finally made the decision to switch, my only regret is I should have done it years ago. The process to refinance was easy to follow – my lending officer (Kevin Paredes) did an outstanding job, he was clear and concise and was readily available when required. I have already recommended MH to my family and friends & will continue to do so moving forward.
I refinanced and the process couldn’t have gone more smoothly, great communication throughout the process made it stress free. All staff very professional and made jargon easy to understand. Not to mention a great highly competitive variable rate that the other lenders couldn’t match. Have already highly recommended to friends.