Home Loans

Debt consolidation home loan

Get back on track with a loan to help you manage multiple debts and breathe easier.

Borrow up to 95% of the property value

Roll your debts into one, simple repayment

Our free-thinking debt consolidation home loan can help simplify your finances, by rolling home loan, personal loan, and credit card debts into one easy to manage repayment.

  • Consolidate multiple debts

  • Borrow up to 90% of property value#

  • Rates from 6.59% p.a.# (6.86% p.a comparison rate*)

Easy to understand features, variables and fees


Maximum LVR 90%
Maximum loan amount**
Minimum loan amount
Principal and interest
Interest only***
Additional repayments
Free online redraw
Third party account transfers
100% offset facility with Visa Debit card##
Split loans****
Repay weekly, fortnightly, monthly
Owner-occupier & investor
Fixed rate options


Application fee
Valuation fee^^
Settlement fee
Ongoing fee (annual)
Manual redraw fee
Discharge fee
Professional investor fee###

Ready to get moving?

Wherever you are in your journey, help is here however you need it.

Check your borrowing power

Use our simple calculator to work out how much you might be able to borrow.

Get online pre-approval

Move ahead with confidence. Our online indicative pre-approval tool gives you an answer instantly. It's fast and fuss free.

Contact a trusted adviser

Your local Liberty Adviser will be able to look at your financial situation and help you decide the best way forward.

Our innovation and flexible solutions have helped over 850,000 free thinkers.

Free thinkers like us see the possible!

When others see the impossible, we look past that and see what we can achieve together.

We’ve helped more than 850,000 customers get financial.

Supporting free thinkers from diverse backgrounds for over 25 years.

Proudly B Corp certified to make a difference beyond borrowing.

Championing women in sport to make a difference on and off the field.

Liberty debt consolidation FAQs

  • Whether you’re looking to consolidate credit card debt, home loans or personal loans, debt consolidation is a manageable way to simplify your repayments. By rolling multiple debts into one, you’ll be working with one interest rate and one repayment schedule. Debt consolidation can put more money back in your pocket and help you gain more control of your financial situation.

  • You can consolidate multiple debts as long as the outcome of consolidating puts you in a better financial position. At Liberty, we can look to refinance different types of debt including credit cards, personal loans, car loans and tax debt.

  • Debt consolidation and refinancing both involve transferring existing debt into a new debt so the borrower can take advantage of the new loan’s features. These can include a reduced interest rate, lower repayments, or a more flexible loan term. Refinancing typically involves only one loan, such as a home loan, while debt consolidation refers to merging multiple loans.

  • At Liberty, we take a practical approach to your home loan application. We understand that not everyone fits into the same little box. That’s why we take a free-thinking approach to help customers get financial even if their circumstances are unique. So, whether you're self-employed, have a low deposit or find yourself in unique circumstances, get in touch with a Liberty Adviser to explore your free-thinking debt consolidation home loan options today.

  • If you’re self-employed and managing multiple debts, there are debt consolidation options available – including our debt consolidation home loan. At Liberty, we take a free-thinking approach to debt consolidation to help the trailblazers of the world to improve their financial situation. Let us help you explore your options so you can get back to business.

  • Getting a personal loan for debt consolidation can be an effective way of managing multiple smaller debts. It could reduce the interest and fees you pay and make your financial outgoings easier to manage. At Liberty, we can help you find the best solution to consolidate your debt – including through a personal loan.

  • A target market determination describes who a product may be suitable for, based on likely needs, objectives, and financial situation. It also outlines who can distribute our products, how they can do this, and examples of situations when we may need to review our products and the target market. To view the target market determination for this product, click here.

  • Having bad credit often refers to there being a default listed on your credit report. This affects your credit score and can make you appear riskier to some lenders, making it difficult to be approved for finance.

    Liberty’s home loans can provide the flexibility borrowers may need to rethink their current financial situation and take a step forward.


Book a call back

Enter a few details and we'll arrange for your local Liberty Adviser to call you back.

We take your privacy seriously. See our collection notice here.

Liberty Canstar Awards
Liberty Awards

We’re highly awarded. But don’t just take our word for it...

5 out of 5 5702 reviews on

Ready to get started? Your local adviser can help.

Enter your postcode to find all Liberty Advisers near you.

Experts in free-thinking finance

Learn more about free-thinking loans

Other loans you might like:

Fresh start home loan

You don’t live in the past, and neither do we. Our fresh start loan can help you take the next step forward.

  • Poor credit history considered
  • Loans up to $3M**
  • Borrow up to 95% of purchase price#
  • Gifted deposits accepted




Comparison rate

Find out more

Low doc home loan

Perfect for self-employed borrowers, our low-doc loan offers alternative ways to verify your income.

  • Suitable for self-employed
  • Flexible income verification
  • Borrow up to 85% of purchase price#
  • Borrow up to $2M**




Comparison rate

Find out more

Unsecured personal loan

Get access to funds without an asset as security.

  • Borrow up to $80,000
  • Loan terms up to 7 years
  • Simple online application
  • Receive money quickly

Rates per annum from



Comparison rate

Find out more

Things you should know:

#Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. Please call 13 11 33 or speak to your local Liberty Adviser for more details.

*Comparison rates are based on a secured $150,000 loan over a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

**Subject to LVR restrictions.

***Interest Only loans are subject to LVR restrictions and interest rates are higher than the advertised interest rates but for further information on this product contact us on 13 11 33.

****$495 fee applies for loans with more than 4 splits.

^Other fees and charges may apply. Contact us on 13 11 33 for more information on fees and charges.

^^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.

##Any available redraw funds held in the offset facility connected with your loan account will be used to reduce the amount of interest you pay on your loan. Liberty is not a bank. The offset facility on your loan account is not covered by any Government guarantee. International transaction fees apply on purchases or cash advances while overseas or in Australia when the merchant processing the transaction is located overseas. ATM fees apply for a cash withdrawal at a non major bank ATM or rediATM in Australia.

###Application fee and interest rate loadings apply for company/trust or professional investor (applicants with ≥4 properties).

1BInterest rates will range from 7.65% p.a. to 21.99% p.a. and will depend on our assessment criteria and the personal loan product you qualify for. Comparison rates range from 7.65% p.a. to 23.57% p.a. This comparison rate is based on an unsecured $30,000 loan over a 5-year term. WARNING: The comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.