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Liberty home loans

Liberty
Liberty's overall rating for home loans

(as rated by the Mozo community)

3.7 / 10

based on 7 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 13 November, 2019. 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 ‡

3.79% p.a.

3.86% p.a.

$0.00

$995

3.44% p.a.

3.51% p.a.

$0.00

$995

4.19% p.a.

4.26% p.a.

$0.00

$995

3.84% p.a.

3.91% p.a.

$0.00

$995

4.39% p.a.

4.46% p.a.

$0.00

$995

4.04% p.a.

4.11% p.a.

$0.00

$995

4.79% p.a.

4.86% p.a.

$0.00

$995

4.44% p.a.

4.51% p.a.

$0.00

$995

5.24% p.a.

5.31% p.a.

$0.00

$995

4.89% p.a.

4.96% p.a.

$0.00

$995

3.59% p.a.

3.66% p.a.

$0.00

$995

3.24% p.a.

3.31% p.a.

$0.00

$995

4.39% p.a.

4.69% p.a.

$295.00 yearly

$0

3.89% p.a.

4.20% p.a.

$295.00 yearly

$0

3.54% p.a.

3.85% p.a.

$295.00 yearly

$0

4.79% p.a.

5.08% p.a.

$295.00 yearly

$0

4.29% p.a.

4.59% p.a.

$295.00 yearly

$0

3.94% p.a.

4.24% p.a.

$295.00 yearly

$0

4.99% p.a.

5.28% p.a.

$295.00 yearly

$0

4.49% p.a.

4.78% p.a.

$295.00 yearly

$0

4.14% p.a.

4.44% p.a.

$295.00 yearly

$0

5.39% p.a.

5.67% p.a.

$295.00 yearly

$0

4.89% p.a.

5.18% p.a.

$295.00 yearly

$0

4.54% p.a.

4.83% p.a.

$295.00 yearly

$0

5.84% p.a.

6.11% p.a.

$295.00 yearly

$0

5.34% p.a.

5.62% p.a.

$295.00 yearly

$0

4.99% p.a.

5.28% p.a.

$295.00 yearly

$0

4.19% p.a.

4.49% p.a.

$295.00 yearly

$0

3.69% p.a.

4.00% p.a.

$295.00 yearly

$0

3.34% p.a.

3.66% 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 3.7

Price

Features

Customer service

Convenience

Trust

7 Reviews

Recent Liberty home loan reviews Recent Liberty home loan reviews

Liberty

Liberty Fixed Rate Home Loan review

Overall rating   7 / 10

Great customer service, Flexible access.

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...

Full review

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.

    Price   6 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   8 / 10

Less

Kate, New South Wales, reviewed almost 2 years ago

Liberty

Liberty Home Loan review

Overall rating   0 / 10

This financial institution looks after one thing and one thing only, getting their money back at the highest possible interest rate (10%+) on home loans. Can't wait to pay them out when I sell my home because I can't afford the repayments anymore....

Full review

This financial institution looks after one thing and one thing only, getting their money back at the highest possible interest rate (10%+) on home loans. Can't wait to pay them out when I sell my home because I can't afford the repayments anymore. Thanks Liberty.

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Anthony, Victoria, reviewed over 9 years ago

Liberty

Liberty Home Loan review

Overall rating   1 / 10

I dislike the fact that when the crash came and every other bank dropped their interest rates to 3-4%, Liberty refused to lower theirs so I still had am still am paying a rate of 9%. It's breaking me.

Full review

I dislike the fact that when the crash came and every other bank dropped their interest rates to 3-4%, Liberty refused to lower theirs so I still had am still am paying a rate of 9%. It's breaking me.

    Price   0 / 10

    Features   0 / 10

    Customer service   2 / 10

    Convenience   1 / 10

    Trust   0 / 10

Less

Suzi, South Australia, reviewed over 9 years ago

Liberty

Liberty Home Loan review

Overall rating   5 / 10

They are rouges but when left with no other option they are there to help. But their customer service is exceptional.

Full review

They are rouges but when left with no other option they are there to help. But their customer service is exceptional.

    Price   0 / 10

    Features   2 / 10

    Customer service   10 / 10

    Convenience   5 / 10

    Trust   5 / 10

Less

Stacey, Tasmania, reviewed almost 10 years ago

Liberty

Liberty Home Loan review

Overall rating   5 / 10

I feel this institution is using the global credit market squeeze as an excuse to charge unrealistically high interest rates. currently 11.9%

Full review

I feel this institution is using the global credit market squeeze as an excuse to charge unrealistically high interest rates. currently 11.9%

    Price   1 / 10

    Customer service   5 / 10

    Trust   2 / 10

Less

Name not supplied, Queensland, reviewed almost 11 years 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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