Home Loans
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Home loan solutions for free thinkers

Explore our home loans and how much you can borrow. It's fast and fuss free.

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Owner occupied

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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Popular

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%*)

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%*)

Comparison rate

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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%*)

Comparison rate

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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%*)

Comparison rate

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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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Investment

Low rate investment loan

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

  • Great low rate
  • No ongoing fees
  • Borrow up to $500,000

RATES PER ANNUM FROM#

6.84%

(6.92%*)

Comparison rate

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Popular

Flexible investment 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#

6.94%

(7.21%*)

Comparison rate

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Low deposit investment loan

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

  • Small deposits accepted
  • Borrow up to 95% of purchase price
  • Loans up to $900,000
  • Refinancing available up to 90%

RATES PER ANNUM FROM#

9.24%

(10.00%*)

Comparison rate

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Low doc investment loan

Perfect for self-employed investors, 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#

7.74%

(8.00%*)

Comparison rate*

Find out more

Fresh start investment loan

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

  • Poor credit history considered
  • Loans up to $3M**
  • Borrow up to 85% of purchase price#
  • Gifted deposits accepted

RATES PER ANNUM FROM#

7.89%

(8.24%*)

Comparison rate

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Residential SMSF loan

Use the power of your super for a residential property investment.

  • Low set-up cost
  • Limited recourse borrowing
  • Maximum loan $4M1
  • Borrow up to 80% of the property value#

Rates per annum from#

7.25%

(7.65%)

Comparison rate*

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Liberty Home loans

Find out how much you can borrow

Use one of our easy-to-use calculators to get a better idea of what's possible.

Experts in home loans for free thinkers

Learn more about home loans and reaching your property goals.

Ready to get started? Your local adviser can help.

Enter your postcode to view all Liberty Advisers near you.

Liberty home loans FAQs

  • 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 way we take a free-thinking approach to help customers get financial even if their circumstances are unique. So whether you're self-employed, have poor credit, a low-deposit or find yourself in unique circumstances, get in touch with a Liberty Adviser to explore your free-thinking lending options today.

  • A variable interest rate home loan is where the interest on your mortgage varies as market interest rates change. As a result, interest rates will vary. An alternative to this is a fixed-rate home loan, where mortgage payments are charged at the same interest rate for an agreed period.

    Liberty offers a range of free-thinking home loan options, to ensure that each applicant is matched to a mortgage that suits them.

  • 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.

  • At Liberty, we offer free-thinking home loans for every homebuyer journey – even those that are just beginning. Wherever you are on the property ladder, Liberty can help you find home loan solutions that work for you. We understand that not all homebuyers fit into the same box, which is why we take a free-thinking approach. By listening to the full story, we can help borrowers from all walks of life get financial. Whether it’s your first home, next home, or investment property, we can work with you to find a home loan that fits. Make use of our expertise and support for first homebuyers by speaking with a Liberty Adviser today.

  • You can use our indicative pre-approval home loan tool to get an estimate of what your Liberty home loan could look like in just minutes. It’s easy to use and can give you a clearer view of your borrowing power when searching for a new home. Simply answer a few questions about your individual circumstances to get started. Keep in mind that having pre-approval does not guarantee you will get a home loan, but it’s a great place to start if you’re shopping for a property.

  • When it comes to finding the right home loan for your situation, there is much more to consider than just interest rates. While a 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 to consider home loans with other important features. This could include a smaller deposit or flexibility when it comes to verifying your income. Ultimately, the best home loan for you is the loan that best fits your circumstances.

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Other types of loans for free thinkers

Things you should know:

*Comparison rate is based on a secured $150,000 loan over a 25-year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The actual interest rate applicable will depend on our assessment criteria.

**Subject to LVR restrictions.

#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.

1SMSF Loans are subject to loan to value ratio (LVR) restrictions.