Liberty Home Loans

Liberty Home Loans

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Everything you need to know about a Liberty Home Loan

Liberty is a customer-focussed specialist lender with a range of home loan products for borrowers who may have trouble getting approval from traditional banks. This lender was founded by American Sherman Ma, who saw a need for better specialist lending services in Australia. A relatively new lender, Liberty has already helped more than 210,000 customers with flexible financial products.

Key Benefits

  • Low deposit loans
  • Low doc and no doc options
  • Competitive rates with large deposits


  • High fees on all loan products
  • High rates for some loans
  • Very expensive LMI

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Liberty Home Loan Products Breakdown

Liberty Sharp

  • Flexible repayments
  • Redraw option
  • No settlement fees

Enjoy the flexibility of choosing your repayment schedule

This is a straightforward loan with a competitive rate if you able to put down a high deposit. You can make additional repayments as much as you want and redraw when needed and choose to repay weekly, fortnightly, or monthly. You won’t have to pay any ongoing account fees but this loan does come with a hefty application fee. Also, keep in mind you can only borrow up to $500,000.

Liberty Star

  • $0 application fees
  • Free redraw
  • Split loans

A flexible home loan that gets your money working

If you want a flexible loan, Liberty Star will give you more including unlimited splits and a 100% offset facility. Also, your maximum loan amount is three times that of the Liberty Sharp loan product. You’ll get the same useful features to help you control your finances as Liberty Sharp as well, such as additional repayments, redraw, and flexible repayments. You can also take advantage of a fixed rate and rate lock if you want to be able to better budget for your future.


  • Maximum LVR 95%
  • Redraw
  • Flexible repayments

An easy home loan for self-employed borrowers

Liberty was awarded the CANSTAR Outstanding Value Award for a Variable Low Doc Home Loan for their Self-employed loan product. This is a practical option for start-up business owners and who need a little extra support from a lender due to unique circumstances. You can apply with a full doc or low doc loan and use your funding to help establish your business, consolidate debt, or for cash when you need working capital for your business.

Low Deposit

  • Maximum LVR 95%
  • Redraw
  • Extra Repayments

Take the plunge with a low deposit home loan

Liberty Financial will let you borrow up to 95% of the property value and still enjoy a full-featured loan with redraw, additional repayments, flexible repayment options, and the option to split your loan. This loan will even work if you don’t have genuine savings to prove, such as if you are getting your deposit as a gift.

Credit History

  • Maximum LVR 95%
  • Redraw
  • Extra Repayments

Make a fresh start with a hassle-free home loan

Just because you’ve had past financial hiccups, that doesn’t mean you shouldn’t be able to own your own home now. Liberty has a unique Credit History loan product for borrowers with a bad credit history. It does come with high rates and fees but it can offer a much needed second chance for many borrowers.

Debt Consolidation

  • Maximum LVR 95%
  • Redraw
  • Flexible Repayments

A debt consolidation loan to help put money back in your pocket

Simplify your debts with this Debt Consolidation loan. You can borrow up to 95% of the purchase price and take advantage of flexible features like redraw and split loans. You can also consolidate your debts into one convenient monthly repayment so you can pay one bill and move on with your life.


  • Unlimited contributions
  • Redraw
  • No settlement fees

Leverage the power of your super with an SMSF loan

This SMSF loan can be used for either residential or commercial investments, helping you get more out of your super and allowing you to make a smart investment for your future. It doesn’t come with a lot of the features of owner-occupier loans but as long as you don’t borrow more than 80% of the purchase price, you can enjoy a competitive variable interest rate.

Out of the Box

  • Maximum LVR 95%
  • Split loans
  • No settlement fees

A tailored loan to help out with life’s little hiccups

Searching for a good no doc loan or a product that can tailor to your very unique circumstances? Liberty Financial has the perfect loan for the borrower who simply doesn’t fit within the typical borrower profile. Enjoy a custom product to suit your needs and income while borrowing up to 95% and still getting all the flexibility features of a typical loan like redraw and additional repayments.

Liberty Home Loan Products Comparison


Looking for your perfect match?

At eChoice, we have partnered with over 20 of Australia's leading lenders to help you find the right home loan. Chat with one of our experienced brokers today.

Estimated Refinancing Savings

Potential Lender Options

Competitive Interest Rates

Estimated Borrowing Power

Estimated Monthly Loan Repayments

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Frequently Asked Questions

Are Liberty Financial easy to get home loan with?

While Liberty Financial may not necessarily position themselves as being ‘easy’ to get a home loan with, they are one of the more flexible options on the Australia market. That is, they make getting a mortgage more accessible to those who may otherwise struggle, such as the self-employed and those with a poor credit history without a large deposit. They also offer low-doc home loans, to make it easier for small business owners who don’t have access to the documents required to obtain a traditional mortgage. Liberty Financial allow you to borrow up to 95% of your property value, which means you would only need to have a deposit of 5%. However, it’s important to remember that more lenience often means higher interest rates. So, it’s best to work with a broker to ensure a home loan with Liberty Financial is the right choice for you.

Do Liberty Financial do interest only home loans?

An interest only home loan is when you only pay the interest charged on the loan during a set period — meaning your principal balance remains the same. This generally mean your repayments will initially be lower, but once your interest-only period finishes you will still need to pay off your loan amount. As you will then have less time to pay off your mortgage, those repayments will then become far higher. Their Liberty Star Home Loan does offer the option to make interest-only repayments. You may also be able to choose an interest-only home loan in one of their custom packages.

How do I apply for a Liberty Financial mortgage?

Before you apply for a Liberty Financial home loan, you should have a good idea of the price of the property you want to purchase, which mortgage product you’re after and how much you will need to borrow. Working with a mortgage broker is the easiest way to compile all of this information and set yourself up for a successful application. Then, you can apply on their website for an indicative pre-approval amount. At this stage, you will need to provide:

  • Your name and contact details, such as your email address and phone number
  • Loan details, such as the amount you want to borrow and the value, size and location of the property
  • Financial information, such as your expenses and income
  • Employment information, such as your current work status
  • Credit background, such as any infringements

It’s important to note that this is not your official approval, but rather a guide to how much you could borrow. You will then be asked to provide all necessary documentation, including identification and payslips.

You can also start the application process for a Liberty Financial mortgage by contacting them on 13 11 33 or filling out the contact form on their website.