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.
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 ‡ |
|---|---|---|---|---|---|
| 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 |
‡ 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.
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.
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.
Tibs, Western Australia, reviewed 11 days ago
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.
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.
Corey, Western Australia, reviewed 12 days ago
We have a SMSF loan. Rate is very high and failed to pass most of the rate cuts.
We have a SMSF loan. Rate is very high and failed to pass most of the rate cuts.
Sam, New South Wales, reviewed 12 days ago
Teresa, Victoria, reviewed about 2 months ago
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!
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!
Chantal, Western Australia, reviewed about 2 months 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:
