Liberty Financial

Liberty Financial Home Loans

Liberty Financial has home loan rates starting from 2.59%.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Liberty Financial is a non-bank lender that offers a range of home loans for Australian borrowers. Check out the full table of Liberty Financial products below or read more about the lender.

Compare Liberty Financial home loans for January 2022

Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

Liberty Financial Sharp Home Loan P&IHome≥ 20% Deposit

Liberty Financial Sharp Home Loan
  • App: $995
  • Ongoing: $0 p.a.
A low rate product with $0 ongoing fee.

Liberty Financial Sharp Home Loan P&IInvestment≥ 35% Deposit

Liberty Financial Sharp Home Loan
  • App: $995
  • Ongoing: $0 p.a.

Liberty Financial Sharp Home Loan P&IHome≥ 35% Deposit

Liberty Financial Sharp Home Loan
  • App: $995
  • Ongoing: $0 p.a.
A home loan with no ongoing monthly or annual fees which accepts borrowers with non-genuine savings.

Liberty Financial Star Home Loan P&IIOHome≥ 35% Deposit

Liberty Financial Star Home Loan
  • App: $0
  • Ongoing: $295 p.a.
A competitive variable rate with 100% offset account and no application fees.

Liberty Financial Star Home Loan P&IIOInvestment≥ 35% Deposit

Liberty Financial Star Home Loan
  • App: $0
  • Ongoing: $295 p.a.

Compare up to 4 providers

Liberty Financial key facts

  • Liberty Financial is a non-bank lender that operates in Australia.
  • Liberty Financial offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as investments, business loans and personal loans.

Review by our senior home loans writer Richard Whitten

Liberty Financial home loan features

Here are the key features and details you need to know about Liberty Financial's mortgage products.

Minimum depositIt is possible to get a home loan from Liberty Financial with a deposit as low as 5%.
Offset account?You can get an offset account with several Liberty Financial loans.
Repayment optionsSeveral Liberty Financial home loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for a mortgage from Liberty Financial?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.


The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Liberty Financial you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

More guides on Finder

  • Liberty Financial Sharp Home Loan Review

    With a maximum LVR of 95% the Liberty Financial Sharp Home Loan could suit an owner occupier or investor with a low deposit.

  • Liberty Financial Star Home Loan Review

    The Liberty Financial Star (Variable) Home Loan is a full documentation loan. With a fixed rate option available, this loan allows you to make principal and interest or interest-only repayments. This loan is suited for both owner-occupiers and investors.

Home Loan Offers

Important Information*

Find the right home loan now

Go to site