0423 952 184 Book a free call
First home buyers Contact
Book a free call Call 0423 952 184
Call Charles Book a meeting
Mortgage Broker Liberty Grove

Links Property Finance · Home loans in Liberty Grove and across Sydney: Mortgage Broker in Liberty Grove

Liberty Grove is a gated pocket built in one era to one plan, community title over the estate, strata within the buildings, levies funding gates, greens and pools.

Reviewed by Charles Touma Updated 18 October 2026

Check my buying position Book my free call
$0broker fee on most loans
5.0from 32 Google reviews
70+lenders on our panel
Charles Touma, mortgage broker at Links Property Finance

Charles Touma Sydney mortgage brokerYou deal directly with Charles.

Book a free call

Buying in Liberty Grove: how do community title levies affect the loan?

Lenders count both the community title levies for the estate and the strata levies for your building as living costs, so together they reduce borrowing power. Some lenders also look at the investor share in a building.

Read more

Refinancing out of an older investor loan inside the Grove is usually straightforward once the levies are documented.

A terrace with an iron-lace balcony
In Liberty Grove, houses make up 9.2% of homes, terraces and semis 29.0% and apartments 61.7% (ABS Census 2021).

The housing mix in Liberty Grove

Units account for 61.7% of homes in Liberty Grove, nearly three times the state figure. Here the building is assessed almost as closely as the borrower, from the strata report to the size of the complex. Attached homes are a big part of Liberty Grove, at 29.0% against 11.7% statewide.

Whether a townhouse sits on its own title or inside a strata scheme changes how a lender treats it, so check the contract. With only 796 dwellings, Liberty Grove sees few sales in any year, and valuers sometimes reach into neighbouring suburbs for evidence.

  • Postcode2138
  • CouncilCity of Canada Bay
  • From the Sydney CBD17 km west
61.7%

apartments NSW 21.7%

9.2%

separate houses NSW 65.6%

29.0%

terraces and semis NSW 11.7%

37.2%

rented NSW 32.6%

39.6%

with a mortgage NSW 32.5%

796

private dwellings

Source: ABS Census 2021, Suburbs and Localities (SAL12324).

A modern apartment building with balconies

What could switching save in Liberty Grove?

Calculate your savings

$550,000
6.40%
25
6.00%

Example rates only, not current advertised rates. Set both sliders to your own figures.

Interest at 6.40%Interest at 6.00%
You could save$40,706≈ $1,628 a year in repayments
Current repayments$3,679/month
New repayments$3,544/month

Over the remaining term, before switching costs and fees, we model those before recommending a move. Estimates only, not credit advice.

Confirm your numbers.

Charles Touma, mortgage broker at Links Property Finance
5.0 from 32 Google reviews

Real outcomes for real borrowers.

★★★★★
Charles and the team recently assisted me with the refinance of my investment property.
Max Google review
★★★★★
Charles at Links Property Finance made buying our first home so much easier than we expected. As first home buyers, we had a lot of questions around borrowing capacity, our deposit and the different government schemes available to us. Charles explained everything clearly, compared different lenders and kept us updated throughout the whole process. He was always easy to reach and made sure we understood what was happening from pre approval right through to getting our home loan approved. We would definitely recommend Links Property Finance to anyone looking for a mortgage broker, especially first home buyers who want someone to guide them through the process.
Michael Google review
★★★★★
Charles is an absolute star at what he does. He was straight-up, highly professional, and worked hard to secure a fantastic rate for our home loan. Communication was prompt and clear the entire way through. I would trust him with any future financial needs
Alan Google review

Charles Touma, mortgage broker at Links Property FinanceCharles Touma, Mortgage Broker.

One estate, one vintage

A Federation-style house in Sydney
  • Links Property Finance serves Liberty Grove within our Inner West coverage, phone and video suit the Grove’s commuters fine, with in-person when it helps.Service area, stated plainly.
  • Built largely in the nineties as a self-contained village, the estate’s uniformity is its character: consistent stock, shared facilities, a defined edge.For lending, that uniformity produces dependable comparables, and a levy structure that never takes a month off.

The two-layer levy, again

A family walking along a Sydney beach
  • Owners here typically fund both their building’s strata and the community association above it.The combined figure is real money and lenders count all of it in serviceability, the same mechanics as Breakfast Point, at Liberty Grove’s own scale.
  • Bring current levy notices to the first conversation.Estimates without them flatter every number that follows.

Liberty Grove, between Rhodes and Concord West

Liberty Grove has no station of its own, but it sits between two. Rhodes station is a short walk from the estate’s northern entrance, and Concord West station is a similar walk from the southern pedestrian entrance.

That access helps the Grove let steadily to commuters, and gives a lender what it wants on an investment file: a rental appraisal backed by leases inside the same gates, and valuation evidence from regular sales in sister buildings.

  • The estate was planned as one piece, with strata inside each building, community title over the whole estate and stock of a single vintage.
  • For a Grove purchase, comparing the Links panel, which includes ANZ, Westpac, Macquarie, ING and Resimac, comes down to how each lender treats the levy line and the building, not only to price.
Read the full detail

The estate was planned as one piece, with strata inside each building, community title over the whole estate and stock of a single vintage.

For a loan, that means both levies go into serviceability, the strata report for your building is read alongside the community association’s records, and a lender’s existing exposure to the estate is worth checking, because a defined pocket of similar stock can fill one lender’s appetite while another still has room.

For a Grove purchase, comparing the Links panel, which includes ANZ, Westpac, Macquarie, ING and Resimac, comes down to how each lender treats the levy line and the building, not only to price.

Example scenario (illustrative, not a real client): a couple who both take the train into the city from Rhodes station want a unit in a Grove building close to the northern entrance.

Their first budget counted the building’s strata levy but missed the community association levy, and the strata report shows a sinking fund still rebuilding after lift and membrane works. With both levies in the numbers, comparing lender policies on serviceability and building condition shows which lenders can consider the purchase at their deposit, before they make an offer.

Terrace houses along a tree-lined street

How do lenders read the Grove?

Estate-specific policy, decoded.

Investor mix by building

The estate has long attracted investors, and some buildings carry high tenant ratios. Lenders that watch owner-occupier mix may trim ratios in those buildings; plenty of others don’t look. Building-level routing, not estate-level, gets it right.

Concentration, mildly

A defined estate of similar stock triggers the same per-development caps as any large scheme: a lender can be “full” in the Grove while its competitor has room. This shifts over time and is checkable across the panel in a morning.

Vintage-stock valuations

Nineties buildings are due their mid-life works, lifts, membranes, services. Schemes that have done them value cleanly; deferrers carry the discount. Within the estate, the difference between sister buildings is the works history.

Tight comparables

Constant, similar trades make Grove valuations reliable. Refinancers benefit most: the number you plan around is usually the number you get.

Read the full detail
An aerial view of a Sydney suburb

Refinancing an old Grove loan

Plenty of Liberty Grove loans were written years ago as investor products at investor pricing, including for owners who have since moved in themselves. See what reclassifying saves.

Occupancy changes and years of repayments both argue for a repricing or refinance: correctly classed owner-occupier lending under 80% is a different product from what many owners still carry.

Holding an investment in the estate

Rentals let steadily to commuters and families using the estate’s amenity. Investment assessment is standard, discounted rent, higher rates, the levy line, with building choice doing the quiet work: the well-reserved sister building is the better security for the same money. The investor mechanics.

First home buyers in Liberty Grove

Estate apartments price at a genuine first-home level, with the checks that estate living adds.

  • Scheme fitGrove units sit well inside the 5% Deposit Scheme’s $1.5 million Sydney cap. Participating lenders apply ordinary building checks; the estate itself is familiar stock to all of them. Run the checker.
  • Duty reliefMuch of the estate trades around the NSW relief thresholds, the $800,000 and $1 million lines are live numbers here. Price yours.
  • Levies from day oneStrata plus community levies belong in your first affordability estimate. They’re the estate’s subscription fee, and lenders never forget them.
  • Records in bulkA one-era estate means building issues, where they exist, tend to repeat across sister buildings, and so do the fixes. The records tell the story efficiently.

Common questions about buying in Liberty Grove

Do lenders treat Liberty Grove differently because it’s gated?

Not for the gates themselves. What policy notices is the structure behind them: community-title levies in serviceability, per-development exposure caps, and investor mix in some buildings. All standard machinery, the Grove just engages more of it at once than a suburban street does.

Does sitting between Rhodes and Concord West stations help a Liberty Grove loan?

Not directly. A lender assesses the Grove unit and your finances, not the walk to Rhodes. It helps indirectly: steady commuter demand keeps units in the estate selling and leasing, which gives valuers comparable sales and gives an investor’s rental appraisal real leases to point to.

The lender still discounts the rent and counts both the strata and community levies, so station access supports the case without replacing the numbers.

I bought here as an investor but live here now. Does my loan know that?

Only if it’s been told. Loans keep the classification they were written with, and investor pricing on what is now your home is money left on the table. An occupancy update with your current lender, or a refinance properly classed, usually pays for the paperwork many times over.

Are the community levies negotiable or fixed?

Fixed: they are set by the association’s budget and your lot’s entitlements, and payable whether or not you use the pool. Treat them as fixed commitments for finance, and note what they fund, because the amenity is part of why the estate holds its market.

Can first home buyers use the 5% scheme in the Grove?

Yes, units fit the cap, apartments are eligible stock, and lenders know the estate well. Your eligibility plus the specific building’s health complete the picture, same as anywhere.

Which building in the estate is “best” for a loan?

The one whose records show its mid-life works done and reserves rebuilt. Within a one-vintage estate, maintenance history is the main differentiator valuers see, and the difference shows up in both valuation and lender comfort.

Talk to a broker about your Liberty Grove home loan

One free call covers what you could borrow in Liberty Grove, the lenders that suit the property you want and the order to do things in.

Book my free call or call 0423 952 184
Prefer a callback?

Charles Touma, mortgage broker at Links Property FinanceCharles calls back within one business day. No documents needed yet.

A family in front of the sold sign at the home they bought together

From the blog

View all articles
Buying processBuying a House in NSW: The Process, Step by Step 7 min readBuying processThe Cooling-Off Period in NSW: How It Works When You Buy 7 min readBuying processWhat Happens at Settlement in NSW, and How Long It Takes 7 min read
Charles Touma, mortgage broker at Links Property Finance
Reviewed by Charles Touma Director & Mortgage Broker · MFAA member · Credit Representative 579003 under ACL 389328 About Charles · MFAA register · ASIC register · Complaints processEvery page is reviewed by Charles before it is published and checked against current lender policy and the official scheme pages linked where figures appear.

General information only, not credit or financial advice. Lender policies and government scheme criteria differ and change over time. All lending is subject to individual assessment and approval.