Liberty Financial Home Loan Rates December 2025

Explore Liberty Financial home loan offers to find some of the most competitive mortgage rates, fees, and features available for you.

Monthly repayment below is based on a $500,000 loan amount over 30 years.

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LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Extra Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
6.09% p.a.
6.37% p.a.
$3,027
Principal & Interest
Variable
$295
$0
95%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
6.29% p.a.
6.57% p.a.
$3,092
Principal & Interest
Variable
$295
$0
85%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 15% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
6.34% p.a.
6.42% p.a.
$3,108
Principal & Interest
Variable
$0
$995
95%
  • Investor
  • Variable
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
6.75% p.a.
7.16% p.a.
$3,243
Principal & Interest
Variable
$30
$null
80%
  • Investor
  • Variable
  • Principal & Interest
  • 20% Min Deposit
  • Extra Repayments
  • More details
7.15% p.a.
$3,377
Principal & Interest
Variable
$30
$null
80%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 20% Min Deposit
  • More details
Important Information and Comparison Rate Warning

What you need to know about Liberty Financial home loans

Liberty is a non-bank lender that spruiks a 'free-thinking' ethos. It specialises in tailoring credit solutions for customers who don't always fit big-bank boxes, from self-employed borrowers to first-timers with small deposits. Applications and ongoing management are handled online or through Liberty-accredited advisers as the lender doesn't offer branches.

You might find Liberty a good fit if you:

  • Run your own business or can't supply typical payslips
    Liberty's low-doc loans accept alternative forms of income verification, allowing borrowers with certain non-standard income sources to qualify.

  • Have only a 5% deposit
    Its low-deposit option lets eligible buyers borrow up to 95% of a property's value, with non-genuine or gifted funds allowed toward the deposit.

  • Want popular mortgage features
    Select loans offer an offset account with Visa Debit, redraw facilities, and split-rate capability.

  • Need a lender willing to look past minor credit issues
    Some of the lender's near-prime products cater to borrowers with a blemish or two on their credit file who can show improved conduct.

  • Want to consolidate debts
    Liberty offers a specific debt consolidation home loan, allowing eligible borrowers to roll multiple debts into one mortgage facility.

  • Plan to invest in property through an SMSF
    The lender offers multiple products for SMSFs, allowing them to leverage in order to purchase property.

  • Prefer digital servicing with human back-up
    The lender's online portal and app can handle statements, extra repayments, and redraws, while Aussie-based credit specialists are available by phone.

  • Value flexible policy
    Liberty's case-by-case underwriting can consider non-standard income, longer loan terms (up to 40 years), and a wide range of property types.

  • Don't mind realising rates higher than the lowest available
    Liberty's home loan rates are typically higher than the most competitive available at a given time, though this can change depending on market conditions.

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