Liberty Free Variable Home Loan

4.04% p.a.

4.05% p.a.

$0.00

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4.14% p.a.

4.15% p.a.

$0.00

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4.49% p.a.

4.50% p.a.

$0.00

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5.24% p.a.

5.27% p.a.

$0.00

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5.24% p.a.

5.25% p.a.

$0.00

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5.74% p.a.

5.75% p.a.

$0.00

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4.99% p.a.

5.00% p.a.

$0.00

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5.74% p.a.

5.77% p.a.

$0.00

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4.49% p.a.

4.50% p.a.

$0.00

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4.99% p.a.

5.00% p.a.

$0.00

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4.85% p.a.

4.86% p.a.

$0.00

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5.34% p.a.

5.35% p.a.

$0.00

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5.59% p.a.

5.60% p.a.

$0.00

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6.09% p.a.

6.10% p.a.

$0.00

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5.59% p.a.

5.62% p.a.

$0.00

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6.09% p.a.

6.12% p.a.

$0.00

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Currently showing

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

How are Liberty home loans rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
2.5

Based on 21
Liberty home loans reviews

2.3 2.5 3.7 2.5 2.8

Read Liberty home loan reviews by the Mozo community

Latest reviews of Liberty Free Variable Home Loan

Liberty

Liberty Free Variable Home Loan (LVR<70%, Owner Occupier, Principal & Interest) home loan review

Overall rating   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 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.

Full review

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

Less

Andrew (QLD), reviewed almost 2 years ago

Liberty

Liberty Free Variable Home Loan (LVR<70%, Owner Occupier, Principal & Interest) home loan review

Overall rating   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 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...

Full review

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

Less

Leslye (NSW), reviewed almost 3 years ago

Liberty

Liberty Free Variable Home Loan (LVR<70%, Owner Occupier, Principal & Interest) home loan review

Overall rating   5 / 10

Not my first choice

Too expensive and inconvenient.

Full review

Too expensive and inconvenient.

    Price   7 / 10

    Features   6 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   5 / 10

Less

Judy (QLD), reviewed about 3 years ago

Liberty

Liberty Free Variable Home Loan (LVR<70%, Owner Occupier, Principal & Interest) home loan review

Overall rating   0 / 10

Debt relief

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.

Full review

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

Less

Belindaq (QLD), reviewed over 3 years ago

Liberty

Liberty Free Variable Home Loan (LVR<70%, Owner Occupier, Principal & Interest) home loan review

Overall rating   1 / 10

Never user second tier lenders

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...

Full review

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

Less

Ray (WA), reviewed over 3 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

*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.

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