Liberty Financial Home Loans

Liberty Financial has home loan rates starting from 6.49%.

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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 November 2024

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Name Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Liberty Financial logo
Principal & Interest5% min. depositOwner-occupier
Liberty Financial logo
Principal & Interest5% min. depositOwner-occupier
Product NameLiberty Financial Sharp Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.49%
Comp. Rate p.a.6.57%
Minimum Loan Amount$100,000
Maximum Loan Amount $500,000
Maximum Loan Term
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.49%
Comparison Rate
6.57%
Fees
Application: $995
Ongoing: $0 p.a.
Monthly Payment
$948
Contact BrokerView details
Liberty Financial logo
Principal & InterestInterest only5% min. depositInvestmentOffset account
Liberty Financial logo
Principal & InterestInterest only5% min. depositInvestmentOffset account
Product NameLiberty Flexible Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest Interest Only
Interest Rate p.a.6.94%
Comp. Rate p.a.7.21%
Minimum Loan Amount$50,000
Maximum Loan Amount $3,000,000
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.94%
Comparison Rate
7.21%
Fees
Application: $0
Ongoing: $295 p.a.
Monthly Payment
$993
Contact BrokerView details
Liberty Financial logo
Principal & Interest5% min. depositInvestment
Liberty Financial logo
Principal & Interest5% min. depositInvestment
Product NameLiberty Financial Sharp Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.84%
Comp. Rate p.a.6.92%
Minimum Loan Amount$100,000
Maximum Loan Amount $500,000
Maximum Loan Term
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.84%
Comparison Rate
6.92%
Fees
Application: $995
Ongoing: $0 p.a.
Monthly Payment
$983
Contact BrokerView details
Liberty Financial logo
Principal & InterestInterest only5% min. depositOwner-occupierOffset account
Liberty Financial logo
Principal & InterestInterest only5% min. depositOwner-occupierOffset account
Product NameLiberty Flexible Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest Interest Only
Interest Rate p.a.6.59%
Comp. Rate p.a.6.86%
Minimum Loan Amount$50,000
Maximum Loan Amount $3,000,000
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.59%
Comparison Rate
6.86%
Fees
Application: $0
Ongoing: $295 p.a.
Monthly Payment
$958
Contact BrokerView details
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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.

FeatureDetails
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.

Eligibility

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.
  • Tiimely Home. 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.

What is Finder Score?

The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.

Read the full Finder Score breakdown

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Editor

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification. See full bio

Richard's expertise
Richard has written 554 Finder guides across topics including:
  • Home loans
  • Property
  • Personal finance
  • Money-saving tips
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