- Call: 0800 003 391
:quality(90))
:quality(90))
Home loan solutions for free thinkers
Our mortgage options will make you feel right at home.
Flexible home loans to help you get financial
Buying a home is one of the biggest life decisions you’ll make. Finding a suitable loan will make the process substantially smoother.
At Liberty, our goal is to help more people get financial, which is why we offer a range of flexible and free-thinking home loans. We think about things differently, so you won’t need to worry about self-employment, complicated situations or past missteps holding you back.
Whether you’re buying your first home, an investment property, refinancing or consolidating debt – we’ve got an option to suit you.
Our products
Prime home loan
Whether it’s your first home, an investment or you’re refinancing, this free-thinking loan could help you take the next step.
- Loans up to $2M**
- Borrow up to 80% of property value*
- Interest only^ and fixed rate options available
- Multiple loan splits
- Add our Boost loan for higher LVR
Rates per annum from#
Custom home loan
We understand things don’t always go to plan. With this tailored solution, the past doesn’t have to hold you back from your next home.
- Loans up to $2M**
- Borrow up to 80% of property value*
- Interest only options^
- Poor credit history considered
- Debt consolidation options
Rates per annum from#
Custom low doc home loan
Perfect for people who earn a living a little differently. With alternative income verification, it’s a great option for self-employed borrowers.
- Loans up to $2M**
- Borrow up to 75% of property value***
- Interest only options^
- Flexible income verification
- Start-up or established business income accepted
Rates per annum from#
Prime Boost home loan
Designed for borrowers with a deposit that needs a boost, this free-thinking loan can help stretch your savings further.
- Owner occupiers borrow up to 90% of property value+
- Investors borrow up to 80% of property value+
- Terms from 1-7 years
- Split loan
- Low deposit
Rates per annum from#
Private home loan
A short-term lending solution to power a variety of situations. Suited to investors, we can give you the helping hand you need.
- Borrow up to 60% of property value^^
- Interest only
- Terms from 6 months to 3 years
- No income verification required
- Option to capitalise repayments for first six months
Fixed rate per annum from##
:quality(90))
Need more information?
Here you can find out more about our home loan interest rates, fees and charges.
:quality(90))
Want to know what you can borrow?
Our easy-to-use calculator will give you an idea of what’s possible.
:quality(90))
:quality(90))
Enquire now
Enter a few details below and we'll call you back.
Liberty home loan FAQs
At Liberty, we understand that not everyone fits into the same box – and we wouldn’t want you to. We think differently about home loans and take a free-thinking approach to helping customers get financial, even if their circumstances are unique. Whether you’re a first home buyer, an investor, self-employed, have a low deposit or an unconventional credit history, we can help find a loan to suit your needs. If you have any questions, speak with us today.
A variable rate home loan is a type of mortgage where the interest rate changes with market conditions and will vary throughout the lifetime of the loan. It is an alternative to a fixed rate home loan, where your mortgage repayments remain the same over an agreed period. Liberty offers a range of free-thinking solutions to ensure each applicant is matched to a mortgage that suits their circumstances.
There’s a lot to think about when it comes to buying your first home, which is why we take a free-thinking approach. Wherever you are on the property ladder, Liberty can help you find a solution that works for you. We look at the big picture to get a complete understanding of your situation. Even if you have a low deposit, an unconventional credit history or unique income stream, Liberty has an option to help you reach your goals.
Traditionally, your credit score has played a big role in whether you’re approved for a loan. However, there are now a number of options for borrowers who have experienced life’s ups and downs. At Liberty, we know your history isn’t always a good indicator of your future or your potential. That’s why we created a range of home loan solutions to suit borrowers from a wide range of backgrounds. In fact, some are flexible enough to be adjusted over time or tailored to fit your needs.
At Liberty, we understand not everyone’s journey is a straight line – and we don’t think that should stop you from reaching your financial goals. That’s why we have home loan solutions designed to help people from all walks of life get financial. Even with a less than perfect credit history, we can work with you to find a great mortgage solution. And our Custom home loan is just one of these solutions.
Self-employment can be a dream, but it can cause some headaches when it comes to applying for a home loan. That’s why Liberty provides a range of full doc and low doc loans for self-employed customers with varying levels of verification.
For example, if you’re a self-employed borrower applying for a low doc home loan, we can look at alternative documentation such as bank statements, GST statements or a completed accountant’s declaration. To learn more about the documentation required for a specific Liberty home loan, speak with a member of our team today.
Generally, the larger your deposit the lower the interest rate on your mortgage. Here at Liberty, we know a large deposit isn’t possible for everyone. That’s why we have home loan solutions to suit a wide variety of borrowers. With our free-thinking approach, it’s easier to get financial and into your new home.
At Liberty, our home loans are available through a network of accredited introducers to help more free thinkers achieve their home buying goals. So, if you’re interested in a Liberty home loan, chat to your mortgage adviser about applying today. If you need help to find a trusted mortgage adviser, give our friendly team a call – we’re here to support you on your journey to homeownership.
Latest articles
:quality(90))
More solutions to help you get into your property faster.
:quality(90))
What to know about making your mortgage work for you.
:quality(90))
More solutions for first homebuyers on their journey to property ownership
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 speak to your local Mortgage Adviser for more details.
^Up to 3 years interest only.
*Up to 80% LVR for owner occupier or 70% LVR for investors & subject to suburb assessment.
**Subject to LVR restrictions.
***Subject to suburb assessment.
+Total LVR including Prime loan. Subject to Prime loan approval and suburb assessment.
^^Can capitalise interest up to 60% LVR.
## Higher interest rates may apply if capitalising interest.