Debt consolidation

Get help to manage multiple debts with Liberty

Liberty’s debt consolidation loans can help you get back on track. We can help you explore consolidating your home loan, personal loans, and credit card debt into one simple repayment.

  • Available for credit impaired
  • One easy monthly repayment
  • Consolidate credit card debt
  • More control of your personal finances

Features#
Maximum LVR 85%
Maximum loan amount* $3,000,000
Minimum loan amount $50,000
Principal & interest
Interest only**
Free online redraw
BPAY
Third party account transfers
Split loans***
Additional repayments
Repay weekly, fortnightly, monthly
Owner-occupier & investor
Professional investor
Fixed rate options

Loan Variables
Unlimited debt consolidation
Full-doc or Low-doc
Payout ATO debt

Fees^
Application fee^^ $0
Valuation fee^^^ $0
Settlement fee N/A
Ongoing fee (annual) $295
Manual redraw fee $50
Discharge fee $395
Professional investor fee**** $995

Learn more about debt consolidation

Personal finance

How do you calculate borrowing power?

Working out your borrowing power is an important part of applying for a loan – but there are many factors involved.

Read more
Personal finance

Three reasons to review your finances

Overdue for a review? Now is a good time to get your finances organised.

Read more
Home finance & property

Five insider tips for using a personal loan

Not limited to major purchases and debt consolidation, there are many reasons to consider a personal loan.

Read more

#Quoted rates apply to principal and interest loans. Depending on your circumstances, loan features may vary. Other loan variables may also be used to determine the most appropriate rate for your circumstances. *Subject to LVR restrictions. **Interest Only loans are subject to LVR restrictions and interest rates are higher than advertised interest rate but for further information on this product contact us on 13 11 33. ***$495 fee applies for loans with more than 4 splits. ****Application fee and interest rate loadings apply for company/trust or professional investor applicants with ≥3 properties. ^Other fees and charges may apply. Contact us on 13 11 33 for more information on fees and charges. ^^A fee of $995 applies to our Sharp product. ^^^Valuation fee not applicable for loans under 85% LVR. Additional valuation expenses may be payable where the anticipated security property value is >$1.5m, where the security property is in a regional location or for additional securities.