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Liberty home loan reviews

Liberty
Liberty's overall rating for home loans

(as rated by the Mozo community)

4.0 / 10

based on 9 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from Liberty

Recent Liberty home loan reviews

Liberty

Liberty Home Loan review

Overall rating   10 / 10

Will recommend.

This is the first time I have used Liberty and have found them to be very good.

Full review

This is the first time I have used Liberty and have found them to be very good.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Trust   10 / 10

Less

Jane, Queensland, reviewed 4 days ago

Liberty

Liberty Home Loan review

Overall rating   0 / 10

Worst lender going.

Worst lender going - do not sign up with these guys! The RBA was issuing rate cuts yet these guys kept increasing our loan. We thankfully left them for the one of the big 4 and haven’t looked back.

Full review

Worst lender going - do not sign up with these guys! The RBA was issuing rate cuts yet these guys kept increasing our loan. We thankfully left them for the one of the big 4 and haven’t looked back.

    Price   0 / 10

    Features   0 / 10

    Customer service   4 / 10

    Convenience   3 / 10

    Trust   0 / 10

Less

Holly, Western Australia, reviewed 23 days ago

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 about 11 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.

Home loan comparisons on Mozo - rates updated daily

  • loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments

    interest rate

    2.88% p.a. variable

    comparison rate*

    2.90% p.a.

    upfront fees

    $520

    Go to site

    More info

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments
    • Interest rate: 2.88% p.a. variable
    • Comparison rate*: 2.90% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    8.2

    Based on 639 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required. Minimum loan amount $700k

    interest rate

    2.84% p.a. variable

    comparison rate*

    2.84% p.a.

    upfront fees

    $0

    Go to site

    More info

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required. Minimum loan amount $700k
    • Interest rate: 2.84% p.a. variable
    • Comparison rate*: 2.84% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    8.3

    Based on 7 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    • No application fees
    • No monthly fees
    • No annual fees

    interest rate

    2.84% p.a. variable

    comparison rate*

    2.80% p.a.

    upfront fees

    $0

    Go to site

    More info

    • No application fees
    • No monthly fees
    • No annual fees
    • Interest rate: 2.84% p.a. variable
    • Comparison rate*: 2.80% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    10.0

    Based on 1 Athena home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access

    interest rate

    2.82% p.a. variable

    comparison rate*

    2.86% p.a.

    upfront fees

    $785

    Go to site

    More info

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access
    • Interest rate: 2.82% p.a. variable
    • Comparison rate*: 2.86% p.a.
    • Upfront fees: $785
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: Optional - $10 per month
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    9.0

    Based on 1 Well Home Loans home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    Tic:Toc Variable Home Loan (Owner Occupier, Principal & Interest)

    Tic:Toc Variable Home Loan (Owner Occupier, Principal & Interest)

    • A low hassle online home loan.
    • Tic:Toc’s award winning platform means you could save thousands with low rates and no application, valuation or settlement fees.
    • Unlimited free redraws and extra repayments.

    interest rate

    2.79% p.a. variable

    comparison rate*

    2.80% p.a.

    upfront fees

    $0

    Go to site

    More info

    • A low hassle online home loan.
    • Tic:Toc’s award winning platform means you could save thousands with low rates and no application, valuation or settlement fees.
    • Unlimited free redraws and extra repayments.
    • Interest rate: 2.79% p.a. variable
    • Comparison rate*: 2.80% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $325.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: Optional - $10 per month
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    9.0

    Based on 1 Tic:Toc home loan reviews

    Need more information?
    Go to site

    More info

*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.

Want more? Compare all 532 home loans in the Mozo comparison engine.

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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.

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