Liberty Financial Home Loans

Rates and Fees verified correct on December 5th, 2016
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Liberty Financial is a non-conforming lender that offers an extensive range of loan products, including home loans for people with a poor credit history.

Liberty Financial has been a provider of financial services since 1997. It now serves more than 140,000 customers and has assets of $12 billion. It provides a range of competitive loans for home and car purchases as well as for business purposes. It also offers investment packages, financial advice and planning.

Liberty Financial has backing from large global banks such as Deutsche Bank, Credit Suisse and National Australia Bank.

Liberty Financial Home Loans Comparison

Rates last updated December 5th, 2016
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Loan purpose
Offset account
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Liberty Financial Star Home Loan - LVR ≤ 70% (P&I)
A competitive variable rate with 100% offset account and no application fees.
3.79% 4.10% $0 $295 p.a. 70% Go to site More info
Liberty Financial Sharp Home Loan - LVR  70% (Owner Occupier)
A home loan with no ongoing monthly or annual fees which accepts borrowers with non-genuine savings.
3.79% 3.86% $995 $0 p.a. 70% Go to site More info
4.14% 4.45% $0 $295 p.a. 80% Go to site More info
Liberty Financial Free Variable Home Loan - LVR < 70% P&I
A competitive variable interest rate and pay no application or ongoing fee.
4.04% 4.29% $0 $0 p.a. 70% Go to site More info
4.14% 4.11% $995 $0 p.a. 80% Go to site More info
Liberty Financial Nova Home Loan - LVR <60% P&I
A competitive home loan product ideal for self-employed borrowers with fluctuating income.
4.39% 4.93% $0 $295 p.a. 60% Go to site More info
4.99% 5.28% $0 $295 p.a. 95% More info
Liberty Financial Fixed Rate Home Loan - 2 Years
A 2 years fixed rate home loan with no application fee.
4.19% 4.91% $0 $295 p.a. 85% More info
Liberty Financial Free Variable Home Loan - LVR < 95% P&I
A competitive variable interest rate and pay no application or ongoing fee.
5.24% 5.51% $0 $0 p.a. 95% More info
4.99% 5.06% $995 $0 p.a. 95% More info
4.24% 5.27% $0 $295 p.a. 85% More info
5.74% 6.09% $995 $295 p.a. 95% More info
Liberty Financial Fixed Rate Home Loan - 1 Year
A fixed rate home loan with $0 application fee.
4.24% 4.89% $0 $295 p.a. 85% More info
5.49% 5.69% $495 $10 monthly ($120 p.a.) 80% More info
Liberty Financial Custom Home Loan
Custom home loan with 95% maximum loan-to-value ratio.
4.74% 5.03% $0 $15 monthly ($180 p.a.) 95% More info
5.49% 5.69% $495 $10 monthly ($120 p.a.) 80% More info

Home loans provided by Liberty Financial

Liberty Sharp

Liberty Sharp is a straightforward variable rate home loan with a relatively low interest rate and no ongoing fees. A redraw facility is available and additional repayments can be made. Repayments can be made weekly, fortnightly or monthly. Only principal and interest repayments are allowed with this loan. If you want interest-only repayments, you’ll have to choose either Liberty Free, Liberty Star or Liberty Fixed.

This loan is available for owner-occupiers and investors. The maximum loan-to-value ratio (LVR) on this loan is 95%, but LVRs above 85% attract a slightly higher interest rate.

Liberty Free

Liberty Free is a more flexible variable rate home loan that has a low interest rate and is available to homeowners as well as investors. A redraw facility is available, additional repayments can be made, and split loans are also possible. The minimum borrowing amount is $50,000 and the maximum is $1,000,000. The maximum loan-to-value ratio (LVR) on this loan is 95%, but LVRs above 85% attract a slightly higher interest rate.

Liberty Star

Liberty Star is a flexible variable rate home loan with many of the same features as the Liberty Sharp loan, but it also allows borrowers to switch to a fixed loan at any point for a fee.

The minimum borrowing amount is $50,000 and the maximum is $1,000,000. The loan allows additional repayments, and has a redraw facility. You can also opt for the split-loan facility, which will allow you to put a portion of the loan under a fixed rate.

Liberty Fixed

The Liberty Fixed home loan allows borrowers to fix in their repayments for 1, 2 or 3-year terms so they don’t have to worry about fluctuating interest rates. Repayments can be principal and interest or interest-only, and can be made weekly, fortnightly or monthly. The Liberty Fixed loan is available to owner-occupiers or investors. The maximum LVR available is 85%.

Liberty Custom

Liberty Custom is a home loan that can be tailored to the customer’s borrowing requirements. If you have a poor credit history, are self-employed or a contractor, this may be a loan option for you. The Custom loan has a maximum LVR of 90%, and can be taken out for loans of between $30,000 and $3 million. It comes with a redraw, split loan option and the ability to make additional repayments. You can also make repayments weekly, fortnightly or monthly.

About Liberty Custom Home Loan

Liberty SuperCredit

A Liberty SuperCredit loan allows you to use your self-managed super fund to finance the purchase of an investment property.

How to apply for a Liberty Financial home loan

You can find out more about a home loan from Liberty Financial through a mortgage broker from Yellow Brick Road. By filling in the form below you can organise a free discussion with a mortgage broker from Yellow Brick Road and learn how a loan from Liberty Financial might help you.

While different lenders may require different documents for the home loan application process, these usually include personal identification like a passport or drivers licence, as well as details of income and assets. Your mortgage broker will be able to assist you from your application all the way to settlement.

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This page was last modified on 5 October 2016 at 15:00.

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