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Custom products
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Unusual properties
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Solutions for unique income
Tailored loan solutions for out-of-the-box situations
At Liberty, we recognise that no two people are the same and that your personal circumstances can change. That’s why we think differently about home loans and can find solutions in even the trickiest of situations.
Our innovative and flexible approach to lending is great for people who may normally have difficulty getting a home loan.
We see everyone as an individual and we're always looking for more ways to get to yes!
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| Features# | |
|---|---|
| Maximum LVR 85% |
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| Maximum loan amount* | $3,000,000 |
| Minimum loan amount | $30,000 |
| Principal & interest |
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| Interest only** |
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| Free online redraw |
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| BPAY |
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| Third party account transfers |
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| Split loans*** |
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| Additional repayments |
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| Repay weekly, fortnightly, monthly |
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| Owner-occupier & investor |
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| Professional investor |
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| Fixed rate options |
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| Loan Variables | |
|---|---|
| Start-up business |
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| Debt consolidation |
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| Unusual profile |
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| Fees^ | |
|---|---|
| Application fee | $995 |
| Valuation fee^^ | $330 |
| Settlement fee | $0 |
| Equalisation fee | Starting from 0.5% |
| Ongoing fee (monthly) | $15 |
| Manual redraw fee | $50 |
| Discharge fee | $395 |
| Professional investor fee**** | $995 |
Did you know?
At Liberty our innovative approach to home loans lets us consider your individual circumstances to offer a custom loan solution that works for you.
You may have irregular income sources, unusual properties or a bad credit history. We recognise that everyone’s situation is different and our custom home loans can work regardless of your circumstances.
#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. Approved applicants only. Lending criteria applies. *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. ****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. ^^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.