Liberty Financial Liberty Custom Home Loan

Buy the home you want, even if you have a less than ideal credit history

If you've experienced unforeseen circumstances and have some bad marks on your credit history, Liberty Financial’s Custom home loan may be able to help.

Product NameLiberty Financial Custom Home Loan
Interest Rate TypeVariable
Interest Rate (p.a.)4.74%
Comp Rate^ (p.a.)5.03%
Minimum Loan Amount$30,000
Maximum Loan Amount$3,000,000
Maximum LVR80%
Maximum Insured LVR95%
Mortgage 100% OffsetNo
Loan PortableNo
Suitable for InvestmentYes
Extra RepaymentYes
Available as equity loan/line of creditNo
Repayment TypePrincipal & Interest and Interest Only Options
Application Fee$0
Valuation Fee$330
Ongoing Fees$15 monthly ($180 p.a.)
Settlement Fee$0
Discharge Fee$395


  • $0 application fee.
  • $0 settlement fee.
  • No offset account.


  • $330 valuation fee.
  • $15 ongoing fee.
  • $395 discharge fee.

Who is Liberty Financial?

Liberty Financial is a non-bank lender funded by some of the world's largest financial institutions, such as Deutsche Bank, Credit Suisse and National Australia Bank. Liberty has been helping Australian borrowers since 1997, now serving more than 140,000 customers and managing assets of $12 billion.

Things to consider about the Liberty Financial Custom home loan

This loan is designed for those with negative listings on their credit file. These can include paid and unpaid defaults and discharged bankrupts. The exact loan terms you’ll receive will depend on the nature of your defaults, including who they were from, when they were listed and if they’re still outstanding. The interest rate shown on this page is indicative only, meaning you may receive a rate which is different depending on your individual circumstances. This loan is available for those buying a home or investing, and is available to the self-employed and contractors.

Features of the Liberty Financial Liberty Custom home loan

  • Maximum LVR. You can borrow up to 90% of your property’s value with this loan, although the exact amount you’ll be able to borrow will depend on your individual circumstances. The minimum you can borrow with this loan is $30,000, and the maximum you can borrow is $3,000,000.
  • Repayment flexibility. Repayments can be made weekly, fortnightly or monthly with this loan, and you can make additional repayments.
  • Redraw. You can withdraw the additional repayments you make on this loan in the event that you need funds. This can be useful in the event of an emergency or unexpected cost such as medical bills.
  • Split rate options. This loan can be split into both fixed and variable rates, offering you the flexibility of a variable rate loan with the repayment security of a fixed rate loan.
  • Interest-only options. This loan gives borrowers the ability to make just the interest portion of their repayments without reducing the principal, a popular feature with investors.


  • Application fee. $0. There’s no application fee charged by Liberty Financial for the Custom home loan.
  • Settlement fee. $0. This loan also carries no settlement fee, which is usually charged to cover the cost of moving funds to your name.
  • Redraw fee. $50. There’s a fee of $50 per redraw with this loan.
  • Valuation fee. $330. This charge covers the cost of having the property you’re using as security valued. If the loan amount is over $750,000 or the property is in a regional location this fee could be higher.
  • Monthly fee. $15 per month. This is an ongoing fee charged to maintain your account, totalling $180 a year.
  • Discharge fee. $395. This is charged upon leaving your loan.

How to apply for the Liberty Financial Custom home loan

You can find out more and start an application for this loan by contacting a mortgage broker or Liberty Financial directly. To speak to a mortgage broker and find out if this loan is suited to you, click ‘Enquire about this home loan’ and fill out the form on the right hand side of this page.

Enquire about this home loan
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2 Responses

  1. Default Gravatar
    RitaAugust 13, 2017

    WE like to buy home and land package around $280.00
    we pay $100.00 Deposit
    ipswich Queensland 4305 the area

    • Default Gravatar
      MariaAugust 14, 2017

      Hi Rita!

      Please note finder is a financial comparison website offering general advice and we do not represent any of the companies that we feature on our pages.

      It would be best to contact Liberty Financial directly to discuss your customized home loan preferences along with your personal circumstances.

      I hope this helps.


Liberty Financial Custom Home Loan

  • Interest Rate

    4.74% p.a.

  • Comparison Rate

    5.03% p.a.

  • App Fee / Annual Service Fee

    $0 / $15

  • Max LVR


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