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Liberty home loans

Liberty
Liberty's overall rating for home loans

(as rated by the Mozo community)

3.6 / 10

based on 14 reviews

Liberty began in 1997, providing a personal and competitive alternative to traditional banking options. At Liberty, it’s all about freedom - so the home loans on offer are flexible and suited to your personal needs. Check them out below.

Rates and fees verified as correct at 30 March, 2020. Other information correct at the time of writing.

What home loans do Liberty offer?

Variable Rate Home Loans Variable Rate Home Loans

There are a couple of different variable rate home loan options on offer from Liberty. Choose the Sharp Home Loan and you’ll be able to borrow amounts starting from $100,000, up to 95% of the property’s value. You’ll also have the use of money saving features including unlimited free extra repayments, a free redraw facility (minimum applies) and the chance to take a repayment holiday. But keep in mind, you’ll pay a yearly service fee for this option. Opt for the Free Variable Rate Home Loan and you can borrow up to 95% of the property’s value, starting from $50,000. You’ll have the same great money saving features, plus the use of an offset account.

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

3.54% p.a.

3.61% p.a.

$0.00

$995

3.19% p.a.

3.26% p.a.

$0.00

$995

3.94% p.a.

4.01% p.a.

$0.00

$995

3.59% p.a.

3.66% p.a.

$0.00

$995

4.14% p.a.

4.21% p.a.

$0.00

$995

3.79% p.a.

3.86% p.a.

$0.00

$995

4.54% p.a.

4.61% p.a.

$0.00

$995

4.19% p.a.

4.26% p.a.

$0.00

$995

4.99% p.a.

5.06% p.a.

$0.00

$995

4.64% p.a.

4.71% p.a.

$0.00

$995

3.34% p.a.

3.41% p.a.

$0.00

$995

2.99% p.a.

3.06% p.a.

$0.00

$995

4.14% p.a.

4.44% p.a.

$295.00 yearly

$0

3.64% p.a.

3.95% p.a.

$295.00 yearly

$0

3.29% p.a.

3.61% p.a.

$295.00 yearly

$0

4.54% p.a.

4.83% p.a.

$295.00 yearly

$0

4.04% p.a.

4.34% p.a.

$295.00 yearly

$0

3.69% p.a.

4.00% p.a.

$295.00 yearly

$0

4.74% p.a.

5.03% p.a.

$295.00 yearly

$0

4.24% p.a.

4.54% p.a.

$295.00 yearly

$0

3.89% p.a.

4.20% p.a.

$295.00 yearly

$0

5.14% p.a.

5.42% p.a.

$295.00 yearly

$0

4.64% p.a.

4.93% p.a.

$295.00 yearly

$0

4.29% p.a.

4.59% p.a.

$295.00 yearly

$0

5.59% p.a.

5.87% p.a.

$295.00 yearly

$0

5.09% p.a.

5.38% p.a.

$295.00 yearly

$0

4.74% p.a.

5.03% p.a.

$295.00 yearly

$0

3.94% p.a.

4.24% p.a.

$295.00 yearly

$0

3.44% p.a.

3.75% p.a.

$295.00 yearly

$0

3.09% p.a.

3.41% p.a.

$295.00 yearly

$0


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*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.

Liberty home loan features in a glance

Unlimited free extra repaymentsUnlimited free extra repayments

Make unlimited free extra repayments on your fixed or variable rate home loan to own your home sooner.

Repayment holidaysRepayment holidays

Need to take a break? With Liberty home loans, you have the option to take a repayment holiday if you need to.

Flexible repayment scheduleFlexible repayment schedule

Make your mortgage repayments weekly, fortnightly or monthly - whatever suits your budget.

How are Liberty home loans rated?

How do Liberty home loans stack up in terms of price, customer service and convenience? Read all about it in our customer review section.

Liberty home loans

Overall 3.6

Price

Features

Customer service

Convenience

Trust

14 Reviews

Recent Liberty home loan reviews Recent Liberty home loan reviews

Liberty

Liberty Star Home Loan review

Overall rating   0 / 10

Stay away.

Do yourselves a favour and stay away from Liberty. I have a SMSF home loan and am still paying 6% interest rate. They have not passed on anything in the last 4 rate cuts, they are shameless and refuse to pass on anything.

Full review

Do yourselves a favour and stay away from Liberty. I have a SMSF home loan and am still paying 6% interest rate. They have not passed on anything in the last 4 rate cuts, they are shameless and refuse to pass on anything.

    Price   0 / 10

    Features   0 / 10

    Customer service   1 / 10

    Convenience   3 / 10

Less

Tibs, Western Australia, reviewed 11 days ago

Liberty

Liberty Sharp Home Loan review

Overall rating   2 / 10

Bad experience so we intend to move.

Very lengthy process. Not replying back to emails. High rate in comparison to others. Lost a doc which resulted in a $560 extra expense for us. I wouldn’t recommend them to anybody.

Full review

Very lengthy process. Not replying back to emails. High rate in comparison to others. Lost a doc which resulted in a $560 extra expense for us. I wouldn’t recommend them to anybody.

    Price   1 / 10

    Features   0 / 10

    Customer service   3 / 10

    Convenience   3 / 10

    Trust   3 / 10

Less

Corey, Western Australia, reviewed 12 days ago

Liberty

Liberty Home Loan review

Overall rating   3 / 10

High rates. Dont pass on most rate cuts.

We have a SMSF loan. Rate is very high and failed to pass most of the rate cuts.

Full review

We have a SMSF loan. Rate is very high and failed to pass most of the rate cuts.

    Price   2 / 10

    Features   6 / 10

    Customer service   6 / 10

    Trust   5 / 10

Less

Sam, New South Wales, reviewed 12 days ago

Liberty

Liberty Sharp Home Loan review

Overall rating   10 / 10

Very informative

Very happy with the service.

Full review

Very happy with the service.

    Price   10 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Teresa, Victoria, reviewed about 2 months ago

Liberty

Liberty Sharp Home Loan review

Overall rating   0 / 10

Stay away.

They are absolute loan sharks. We have paid $13000 in interest in 6 months and only $2000 off our mortgage. They are seriously loan sharks. If only we didn’t have to use them. Stay away!

Full review

They are absolute loan sharks. We have paid $13000 in interest in 6 months and only $2000 off our mortgage. They are seriously loan sharks. If only we didn’t have to use them. Stay away!

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Chantal, Western Australia, reviewed about 2 months ago

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What do you need to apply for a Liberty home loan? What do you need to apply for a Liberty home loan?

To apply for a Liberty home loan, you’ll have to set up a meeting with a Liberty home loan advisor. To make sure everything goes smoothly when you start your mortgage application, it’s useful to have a few things ready:

  • Your personal details (including contact details)
  • Proof of income
  • Details of other loans, credit cards and expenses
  • Details of your assets (things like savings, shares or property)
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