Liberty Free Variable Home Loan

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 70%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $1,000,000 with an LVR below 70%

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $1,000,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $1,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $1,000,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 70%

The details shown below are for an investor taking out a interest only loan between $50,000 and $1,000,000 with an LVR below 70%

The details shown below are for an investor taking out a interest only loan between $50,000 and $1,000,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $50,000 and $1,000,000 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,000,000 with an LVR below 95%

The details shown below are for an investor taking out a interest only loan between $50,000 and $1,000,000 with an LVR below 95%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 70%

    Loan: $50,000 $1,000,000

  • Owner Occupier (Interest Only)

    LVR < 70%

    Loan: $50,000 $1,000,000

  • Owner Occupier (Principal & Interest)

    LVR 70%-80%

    Loan: $50,000 $1,000,000

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $50,000 $1,000,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $50,000 $1,000,000

  • Owner Occupier (Interest Only)

    LVR 80%-90%

    Loan: $50,000 $1,000,000

  • Owner Occupier (Interest Only)

    LVR 70%-80%

    Loan: $50,000 $1,000,000

  • Owner Occupier (Interest Only)

    LVR 90%-95%

    Loan: $50,000 $1,000,000

  • Investor (Principal & Interest)

    LVR < 70%

    Loan: $50,000 $1,000,000

  • Investor (Interest Only)

    LVR < 70%

    Loan: $50,000 $1,000,000

  • Investor (Interest Only)

    LVR 70%-80%

    Loan: $50,000 $1,000,000

  • Investor (Principal & Interest)

    LVR 70%-80%

    Loan: $50,000 $1,000,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $50,000 $1,000,000

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $50,000 $1,000,000

  • Investor (Principal & Interest)

    LVR 90%-95%

    Loan: $50,000 $1,000,000

  • Investor (Interest Only)

    LVR 90%-95%

    Loan: $50,000 $1,000,000

4.04% p.a.

4.05% p.a.

$0.00

Liberty Free Variable Home Loan

4.04% p.a.

4.05% p.a.

$0.00

4.14% p.a.

4.15% p.a.

$0.00

Liberty Free Variable Home Loan

4.14% p.a.

4.15% p.a.

$0.00

4.49% p.a.

4.50% p.a.

$0.00

Liberty Free Variable Home Loan

4.49% p.a.

4.50% p.a.

$0.00

5.24% p.a.

5.27% p.a.

$0.00

Liberty Free Variable Home Loan

5.24% p.a.

5.27% p.a.

$0.00

5.24% p.a.

5.25% p.a.

$0.00

Liberty Free Variable Home Loan

5.24% p.a.

5.25% p.a.

$0.00

5.74% p.a.

5.75% p.a.

$0.00

Liberty Free Variable Home Loan

5.74% p.a.

5.75% p.a.

$0.00

4.99% p.a.

5.00% p.a.

$0.00

Liberty Free Variable Home Loan

4.99% p.a.

5.00% p.a.

$0.00

5.74% p.a.

5.77% p.a.

$0.00

Liberty Free Variable Home Loan

5.74% p.a.

5.77% p.a.

$0.00

4.49% p.a.

4.50% p.a.

$0.00

Liberty Free Variable Home Loan

4.49% p.a.

4.50% p.a.

$0.00

4.99% p.a.

5.00% p.a.

$0.00

Liberty Free Variable Home Loan

4.99% p.a.

5.00% p.a.

$0.00

4.85% p.a.

4.86% p.a.

$0.00

Liberty Free Variable Home Loan

4.85% p.a.

4.86% p.a.

$0.00

5.34% p.a.

5.35% p.a.

$0.00

Liberty Free Variable Home Loan

5.34% p.a.

5.35% p.a.

$0.00

5.59% p.a.

5.60% p.a.

$0.00

Liberty Free Variable Home Loan

5.59% p.a.

5.60% p.a.

$0.00

6.09% p.a.

6.10% p.a.

$0.00

Liberty Free Variable Home Loan

6.09% p.a.

6.10% p.a.

$0.00

5.59% p.a.

5.62% p.a.

$0.00

Liberty Free Variable Home Loan

5.59% p.a.

5.62% p.a.

$0.00

6.09% p.a.

6.12% p.a.

$0.00

Liberty Free Variable Home Loan

6.09% p.a.

6.12% p.a.

$0.00

Details

Rates and fees information correct as at 17 August 2018.

Rates
  • 4.04% p.a.

  • n/a

  • 0 Months

  • none

  • 4.05% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 70.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 17 August 2018.

Rates
  • 4.14% p.a.

  • n/a

  • 0 Months

  • none

  • 4.15% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 70.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 17 August 2018.

Rates
  • 4.49% p.a.

  • n/a

  • 0 Months

  • none

  • 4.50% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $50,000

  • $1,000,000

  • 70.00%

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 17 August 2018.

Rates
  • 5.24% p.a.

  • n/a

  • 0 Months

  • none

  • 5.27% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $330.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $50,000

  • $1,000,000

  • 90.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 17 August 2018.

Rates
  • 5.24% p.a.

  • n/a

  • 0 Months

  • none

  • 5.25% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $50,000

  • $1,000,000

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 17 August 2018.

Rates
  • 5.74% p.a.

  • n/a

  • 0 Months

  • none

  • 5.75% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $50,000

  • $1,000,000

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 17 August 2018.

Rates
  • 4.99% p.a.

  • n/a

  • 0 Months

  • none

  • 5.00% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $50,000

  • $1,000,000

  • 70.00%

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 17 August 2018.

Rates
  • 5.74% p.a.

  • n/a

  • 0 Months

  • none

  • 5.77% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $330.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $50,000

  • $1,000,000

  • 90.00%

  • 95.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 17 August 2018.

Rates
  • 4.49% p.a.

  • n/a

  • 0 Months

  • none

  • 4.50% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 70.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 17 August 2018.

Rates
  • 4.99% p.a.

  • n/a

  • 0 Months

  • none

  • 5.00% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $50,000

  • $1,000,000

  • none

  • 70.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 17 August 2018.

Rates
  • 4.85% p.a.

  • n/a

  • 0 Months

  • none

  • 4.86% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $50,000

  • $1,000,000

  • 70.00%

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 17 August 2018.

Rates
  • 5.34% p.a.

  • n/a

  • 0 Months

  • none

  • 5.35% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $50,000

  • $1,000,000

  • 70.00%

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 17 August 2018.

Rates
  • 5.59% p.a.

  • n/a

  • 0 Months

  • none

  • 5.60% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $50,000

  • $1,000,000

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 17 August 2018.

Rates
  • 6.09% p.a.

  • n/a

  • 0 Months

  • none

  • 6.10% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $50,000

  • $1,000,000

  • 80.00%

  • 90.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 17 August 2018.

Rates
  • 5.59% p.a.

  • n/a

  • 0 Months

  • none

  • 5.62% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $330.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $50,000

  • $1,000,000

  • 90.00%

  • 95.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 17 August 2018.

Rates
  • 6.09% p.a.

  • n/a

  • 0 Months

  • none

  • 6.12% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $330.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits
  • $50,000

  • $1,000,000

  • 90.00%

  • 95.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Customer Reviews

How are Liberty home loans rated by the Mozo community?

Overall customer rating
2.5/10
Price
2.3/10
Features
2.5/10
Customer service
3.7/10
Convenience
2.6/10
Trust
2.8/10

Latest reviews of Liberty Free Variable Home Loan

  • Overall
    2/10
    Looks after those who the banks won't.

    I had a bad credit so liberty were willing to give me an home loan when no one else would. For...

    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.

    Price
    0/10
    Features
    2/10
    Customer service
    8/10
    Convenience
    1/10
    Trust
    2/10

    Andrew | QLD

    27 Jun 2016

  • Overall
    1/10
    No competition in interest rates or products

    Interest rates are much higher than other banks as they take advantage of people in need of...

    Interest rates are much higher than other banks as they take advantage of people in need of refinancing, for financial reasons and they then lock them into a four year contract where they will be slogged with a non refundable establishment fee of several thousands of dollars if they choose to refinance elsewhere earlier. Also very quick to charge fees for not providing Certificates of Currency on insurance on the date it needs to be renewed even though the insurance company does not provide them to the client on the day the policy is renewed and it can take a week or more to get the certificate - no refunds on the fees though.

    Price
    0/10
    Features
    0/10
    Customer service
    8/10
    Convenience
    0/10
    Trust
    1/10

    Leslye | NSW

    04 Sep 2015

  • Overall
    5/10
    Not my first choice

    Too expensive and inconvenient.

    Too expensive and inconvenient.

    Price
    7/10
    Features
    6/10
    Customer service
    5/10
    Convenience
    5/10
    Trust
    5/10

    Judy | QLD

    15 May 2015

  • Overall
    0/10
    Debt relief

    Was given no relief during GFC instead was charged hideous interest and had to use super funds to...

    Was given no relief during GFC instead was charged hideous interest and had to use super funds to keep home and now they won't refinance due to history, yet they are the ones that put me in a worse position.

    Price
    1/10
    Features
    1/10
    Customer service
    0/10
    Convenience
    0/10
    Trust
    0/10

    Belindaq | QLD

    05 Jan 2015

  • Overall
    1/10
    Never user second tier lenders

    All lenders are supposed to be "responsible". I have just lost my business and have been trying...

    All lenders are supposed to be "responsible". I have just lost my business and have been trying to sell my house to clear ll Pty Ltd debt. It has taken a while to get here but I was going through a divorce etc at the same time my main supplier stopped supply. (Lots and lots of reasons for everything) They lent me 550K in 2012, for my house. They want to now retake it but I am loathe to let it go because it is highly undervalued, by their valuer (independent ) anyway. 530K their figure. It is not reasonable. I am getting my life together slowly but they do not let up. I accept it has been a long time between payments, but prior to that I was months ahead due to my over paying the required amount.

    Price
    0/10
    Features
    0/10
    Customer service
    5/10
    Convenience
    0/10
    Trust
    1/10

    Ray | WA

    24 Dec 2014

Liberty

About Liberty

Mortgage specialist Liberty Financial has an award-winning range of full doc and low doc home loans, and specialises in helping borrowers who have difficulty qualifying for traditional home loans. Liberty Financial's flexible home loan solutions are tailored to your individual circumstances, whether you're self-employed, have fluctuating income or past credit issues.

See Liberty home loans

*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.