What size deposit will I need for a flexible home loan?

At Liberty we understand that not all borrowers can pull together a large deposit. At Liberty, we can help you find the solution that works for you. We have a range of home loans to help more free thinkers like you get financial and into a new home.

How important is my home loan interest rate?

When it comes to finding the right home loan for your situation, there is more to consider than just the interest rate. While lower interest rate generally means less interest paid over the life of the loan, if you’re a free thinker with unique circumstances, you might need a loan that requires other important features such as a smaller deposit or flexibility when it comes to verifying your income. Ultimately, the best home loan for you is the loan that best suits your circumstances.

What is a target market determination?

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 .

Do I need a mortgage broker?

Applying for a home loan doesn’t need to be daunting. A good starting point is to seek out the services of an experienced mortgage broker. You want someone who understands what you’re trying to achieve and can help ensure your home loan application is approved. Contact a Liberty Adviser to see how they can help you with a flexible home loan today.

What is a home loan repayments calculator?

A home loan repayments calculator is a basic tool that gives you an idea of what you could be looking to repay on a mortgage over the life of the loan. With Liberty’s indicative pre-approval tool, you’ll receive a more realistic instant estimate of what your home loan repayments might be based on the quoted interest rate and amount you would like to borrow, tailored to your circumstances.

Excellent

Flexible home loan

Name: Liberty Financial
Address: 16/535 Bourke St, Melbourne, VIC, 3000, Australia
Telephone: 13 11 33
Price range: Contact Us

Our flexible home loan is feature rich for free thinkers looking for a mortgage that works for them.

Flexible home loan

Feature packed home loan to help you get ahead

This fully featured loan lets you choose fixed or variable rates and provides options to help you pay off your loan faster.

100% offset facility##
Multiple loan splits
Linked Visa debit card##
Rates from 6.59% p.a.# (6.86% p.a. comparison rate*)

Get indicative pre-approval

Easy to understand features, variables and fees

Features

Maximum LVR 95%

Maximum loan amount**

$3,000,000

Minimum loan amount

$50,000

Principal and interest

Interest only***

Additional repayments

Free online redraw

BPAY

Third party account transfers

100% offset facility with Visa Debit card^##

Repay weekly, fortnightly, monthly

Split loans****

Fixed rate options⁺

Rate lock options⁺⁺

Fees^{^}

Application fee

Valuation fee^^

Settlement fee

Ongoing fee (annual)

$295

Manual redraw fee

$50

Discharge fee

$395

Fixed rate lock fee⁺⁺

$900

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.

Find my borrowing power

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.

Get indicative pre-approval

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.

Find my local adviser

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.

About Liberty

Liberty home loans FAQs

At Liberty we understand that not all borrowers can pull together a large deposit. At Liberty, we can help you find the solution that works for you. We have a range of home loans to help more free thinkers like you get financial and into a new home.
When it comes to finding the right home loan for your situation, there is more to consider than just the interest rate. While lower interest rate generally means less interest paid over the life of the loan, if you’re a free thinker with unique circumstances, you might need a loan that requires other important features such as a smaller deposit or flexibility when it comes to verifying your income. Ultimately, the best home loan for you is the loan that best suits your circumstances.
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.
Applying for a home loan doesn’t need to be daunting. A good starting point is to seek out the services of an experienced mortgage broker. You want someone who understands what you’re trying to achieve and can help ensure your home loan application is approved. Contact a Liberty Adviser to see how they can help you with a flexible home loan today.
A home loan repayments calculator is a basic tool that gives you an idea of what you could be looking to repay on a mortgage over the life of the loan. With Liberty’s indicative pre-approval tool, you’ll receive a more realistic instant estimate of what your home loan repayments might be based on the quoted interest rate and amount you would like to borrow, tailored to your circumstances.

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Experts in free-thinking finance

Learn more about free-thinking loans

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Other loans you might like:

Low rate home loan

Our low interest rate loan has flexible repayments, redraw and free additional payments.

Great low rate
No ongoing fees
Borrow up to $500,000
Principal and interest only

RATES PER ANNUM FROM^#

6.49%

(6.57%*)

Comparison rate

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Low deposit home loan

Popular with first homebuyers, this loan enables you to borrow up to 95% of the property purchase price.

Small deposits accepted
Borrow up to 95% of purchase price
Borrow up to $900,000
Gifted deposits accepted

RATES PER ANNUM FROM^#

8.89%

(9.64%*)

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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**

RATES PER ANNUM FROM^#

7.39%

(7.66%*)

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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

RATES PER ANNUM FROM^#

7.54%

(7.89%*)

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Debt consolidation home loan

Our debt consolidation loan can help you roll home loan, personal loan, and credit card debts into one repayment.

Consolidate multiple debts
Borrow up to 90% of property value^#
Loans up to $3M**

RATES PER ANNUM FROM^#

6.59%

(6.86%*)

Comparison rate

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All home loans

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 advertised interest rate. For further information on this product contact us on 13 11 33.

****$0 for loans with ≤ 4 splits. Additional fee of $495 applies for loans with > 4 splits.

##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.

+Fixed rates available on request. Offset, redraw, BPAY and third party account transfers not available on fixed rate products.

++Rate Lock option available at $900 (non refundable) to lock the fixed rate for 90 days from date of payment (must be before formal approval).

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

^^Valuation fee not applicable for loans under 90% 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.