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 18 September, 2019. Other information correct at the time of writing.
For the security of a set monthly budget, take a look at the fixed rate home loan offers from Liberty. You can borrow up to 85% of the property's value, starting from $50,000 and make unlimited free additional repayments to pay off your mortgage sooner. You also have the option to take a repayment holiday, and to split your loan between fixed and variable rates. Keep in mind that there is a yearly service fee to consider.
| Product | Fixed 3 year rate | Comparison Rate* | Service fee | Upfront fee | Monthly repayments ‡ |
|---|---|---|---|---|---|
| 4.64% p.a. | 5.00% p.a. | $295.00 yearly | $0 | ||
| 4.29% p.a. | 4.73% p.a. | $295.00 yearly | $0 |
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.
| Product | Rate | Comparison Rate* | Service fee | Upfront fee | Monthly repayments ‡ |
|---|---|---|---|---|---|
| 5.20% p.a. | 5.21% p.a. | $0.00 | $0 | ||
| 4.70% p.a. | 4.71% p.a. | $0.00 | $0 | ||
| 4.35% p.a. | 4.36% p.a. | $0.00 | $0 | ||
| 5.80% p.a. | 5.81% p.a. | $0.00 | $0 | ||
| 5.30% p.a. | 5.31% p.a. | $0.00 | $0 | ||
| 4.95% p.a. | 4.96% p.a. | $0.00 | $0 | ||
| 6.30% p.a. | 6.33% p.a. | $0.00 | $330 | ||
| 5.80% p.a. | 5.83% p.a. | $0.00 | $330 | ||
| 5.54% p.a. | 5.57% p.a. | $0.00 | $330 | ||
| 4.80% p.a. | 4.81% p.a. | $0.00 | $0 | ||
| 4.30% p.a. | 4.31% p.a. | $0.00 | $0 | ||
| 3.95% p.a. | 3.96% p.a. | $0.00 | $0 | ||
| 4.05% p.a. | 4.12% p.a. | $0.00 | $995 | ||
| 3.70% p.a. | 3.77% p.a. | $0.00 | $995 | ||
| 4.45% p.a. | 4.52% p.a. | $0.00 | $995 | ||
| 4.10% p.a. | 4.17% p.a. | $0.00 | $995 | ||
| 4.65% p.a. | 4.72% p.a. | $0.00 | $995 | ||
| 4.30% p.a. | 4.37% p.a. | $0.00 | $995 | ||
| 5.05% p.a. | 5.12% p.a. | $0.00 | $995 | ||
| 4.70% p.a. | 4.77% p.a. | $0.00 | $995 | ||
| 5.55% p.a. | 5.63% p.a. | $0.00 | $995 | ||
| 5.20% p.a. | 5.27% p.a. | $0.00 | $995 | ||
| 3.85% p.a. | 3.92% p.a. | $0.00 | $995 | ||
| 3.50% p.a. | 3.57% p.a. | $0.00 | $995 | ||
| 4.65% p.a. | 4.94% p.a. | $295.00 yearly | $0 | ||
| 4.15% p.a. | 4.45% p.a. | $295.00 yearly | $0 | ||
| 3.80% p.a. | 4.11% p.a. | $295.00 yearly | $0 | ||
| 5.05% p.a. | 5.34% p.a. | $295.00 yearly | $0 | ||
| 4.55% p.a. | 4.84% p.a. | $295.00 yearly | $0 | ||
| 4.20% p.a. | 4.50% p.a. | $295.00 yearly | $0 | ||
| 4.75% p.a. | 5.04% p.a. | $295.00 yearly | $0 | ||
| 4.40% p.a. | 4.70% p.a. | $295.00 yearly | $0 | ||
| 6.15% p.a. | 6.42% p.a. | $295.00 yearly | $0 | ||
| 5.15% p.a. | 5.43% p.a. | $295.00 yearly | $0 | ||
| 4.80% p.a. | 5.09% p.a. | $295.00 yearly | $0 | ||
| 5.65% p.a. | 5.93% p.a. | $295.00 yearly | $0 | ||
| 5.30% p.a. | 5.58% p.a. | $295.00 yearly | $0 | ||
| 4.45% p.a. | 4.75% p.a. | $295.00 yearly | $0 | ||
| 3.95% p.a. | 4.25% p.a. | $295.00 yearly | $0 | ||
| 3.60% p.a. | 3.91% p.a. | $295.00 yearly | $0 |
‡ 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.
| 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 do Liberty home loans stack up in terms of price, customer service and convenience? Read all about it in our customer review section.
They were excellent for us as beginner home owners with a Business debt, so we paid a higher interest to get into the market. Flexible extra payments and easy redraw facility are excellent. They don't reduce your interest rate when they go down...
They were excellent for us as beginner home owners with a Business debt, so we paid a higher interest to get into the market. Flexible extra payments and easy redraw facility are excellent. They don't reduce your interest rate when they go down unless you ask.
Kate, New South Wales, reviewed over 1 year ago
I had a bad credit so liberty were willing to give me an home loan when no one else would. For that they are to be commended. However the interest rate is higher than the competition. Their service is very prompt but the fee's are high.
I had a bad credit so liberty were willing to give me an home loan when no one else would. For that they are to be commended. However the interest rate is higher than the competition. Their service is very prompt but the fee's are high.
Andrew, Queensland, reviewed about 3 years ago
Not at all happy with their time frame of getting paperwork processed. It has cost me over $2,000 in penalty fees. Not happy
Not at all happy with their time frame of getting paperwork processed. It has cost me over $2,000 in penalty fees. Not happy
Glenda, Victoria, reviewed over 3 years ago
Liberty finance is useless. Submitted an application for pre-approval 5 weeks ago and I'm still waiting on a response despite having all required information upon submitting application. When they do get back they only ask for the same information...
Liberty finance is useless. Submitted an application for pre-approval 5 weeks ago and I'm still waiting on a response despite having all required information upon submitting application. When they do get back they only ask for the same information to be sent again. This information was submitted again and still no response. ABSOLUTELY USELESS
Lyn, New South Wales, reviewed almost 4 years ago
Very helpful broker on the sunshine coast who was super efficient. It;s only early days for my refinance with liberty but so far very impressed.
Very helpful broker on the sunshine coast who was super efficient. It;s only early days for my refinance with liberty but so far very impressed.
Jacqueline, Queensland, reviewed almost 4 years ago
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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:
