Home Loans
Excellent

Low rate home loan

Our low rate home loan offers our sharpest rate with smart features and no ongoing fees.

House

Liberty’s sharpest home loan interest rate

With flexible repayments, redraw facility and free additional and lump sum repayments, our low rate loan is low on interest rate, with no ongoing fees.

  • No ongoing fees

  • Borrow up to $500,000

  • Principal and interest only

  • Rates from 6.49% p.a.# (6.57% p.a. comparison rate*)

Easy to understand features, variables and fees

Features

Maximum LVR 95%
Maximum loan amount
$500,000
Minimum loan amount
$100,000
Principal and interest
Interest only
Additional repayments
Free online redraw
BPAY
Third party account transfers
100% offset facility
Repay weekly, fortnightly, monthly
Split loans
Fixed rate options

Fees^

Application fee
$995
Valuation fee^^
$0
Settlement fee
$0
Ongoing fee (annual)
$0
Manual redraw fee
$50
Discharge fee
$395

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.

Whether it’s a home, car, business, commercial or personal loan you’re after, we can help you find a solution that works for you.

About Liberty

Liberty home loans FAQs

  • If you have solid financials and a good credit score, then the low rate home loan could be for you. The best way to know however is to get in touch with a Liberty Adviser. They can look at your situation and help guide you to a loan solution that will best suit your needs.

    So, no matter your circumstances, Liberty has solutions for free thinkers of all kinds.

  • Generally speaking, the larger your deposit the lower your interest rate. However, 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.

  • The main benefit of having a lower interest rate is to reduce the amount of interest you might pay over the life of the loan. However, there are other ways to help reduce the amount of interest payable, such as making extra repayments into your loan. When it comes to finding the right home loan for your situation, there is more to consider than just the interest rate. It may be that you need a loan that enables you to borrow a higher percentage of the purchase price, or a loan that will offer alternative ways to verify your income. Perhaps you require flexibility and features such as an offset facility to help make your additional cash reserves work for you. Ultimately, the best home loan for you is the loan that best suits your personal 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.

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Experts in free-thinking finance

Learn more about free-thinking loans

Other loans you might like:

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Flexible home loan

This full 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##
  • Borrow up to $3M**

RATES PER ANNUM FROM#

6.59%

(6.86%*)

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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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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.

##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.

*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.

^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.