Refinance home loans
Refinance your home loan with Liberty and consolidate multiple debts into a single, manageable repayment.
Refinance home loans
What is refinancing?
A refinance home loan allows borrowers to replace their existing mortgage with a new home loan, either with their current lender or a different one. Liberty makes home loan refinancing fast and simple, with eligible borrowers able to consolidate multiple debts into a single home loan with one manageable repayment.
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What are the benefits of home loan refinancing?
Home loan refinancing could help you:
Access new loan features
Consolidate eligible debts
Restructure existing commitments
Unlock available equity to fund home renovations, an investment purchase or other plans
Whether you’re an owner-occupier looking to reduce the number of repayments or an investor exploring ways to access equity for investment opportunities, refinancing your mortgage may provide a more streamlined solution. It may also reduce the amount you pay over time.
If you're an existing Liberty customer looking to discuss your refinancing options, get in touch with our team.
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Why refinance your home loan with Liberty?
At Liberty, we understand that every borrower’s circumstances are unique. That’s why we take a free-thinking approach to lending, looking beyond traditional criteria to assess your individual situation.
Whether you’re self-employed, have multiple income streams, growing an investment portfolio, or don’t fit standard lending requirements, we can work with you to find a refinancing solution that suits your needs. By taking a broader view of your circumstances, we can help borrowers explore home loan refinance options that align with their goals.
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Consolidate multiple debts with a Liberty refinance home loan
Eligible borrowers can consolidate multiple debts with a Liberty home loan refinance. Liberty can help bring together credit cards, personal loans, car loans, personal tax debt and business tax debt into a single home loan.
Borrow up to 90% of purchase price#
Rates from 6.84% p.a.# (7.11% p.a. comparison rate*)
Easy to understand features, variables and fees
Features
Fees^
Liberty refinance home loan FAQs
Refinancing a home loan involves reviewing your current mortgage, assessing your circumstances and applying for a new home loan. Once approved, your lender pays out your existing home loan and manages the transition to your new loan. If you’re looking for support, a Liberty Adviser can help you explore your home loan refinancing options.
Yes, refinancing your home loan could allow you to consolidate multiple debts into a single home loan. Consolidating eligible debts into your home loan may reduce the number of separate accounts and repayment dates you need to keep track of.
Yes, eligible borrowers may be able to refinance their home loan and consolidate personal tax debt or business tax debt into a single loan. Refinancing your home loan with Liberty could help you consolidate ATO tax debt alongside other debts within a home loan.
Yes, eligible borrowers can consolidate business tax debt into a Liberty refinance home loan. Consolidating business tax debt alongside other eligible debts could help simplify your finances by bringing multiple repayments together into a single home loan. If you’re looking for support, a Liberty Adviser can discuss the home loan refinancing options that may be available based on your circumstances.
Yes, it may be possible to refinance your home loan with your current lender. Home loan refinancing doesn't always require changing lenders. It could allow you to restructure your existing loan to better align with your current circumstances and goals.
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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 $10M**
RATES PER ANNUM FROM#
(7.11%*)
Comparison rate
Debt consolidation home loans
Our debt consolidation loan can help you roll home loan, personal loan, and credit card debts into one repayment.
- Consolidate multiple debts
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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.
*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 and postcode 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.
###Application fee and interest rate loadings apply for company/trust or professional investor (applicants with ≥4 properties).
^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.
~Loan terms >30 years are subject to an interest rate loading of 0.25%. Lending criteria applies.