Rating based on 70 reviews


  • Home loans up to $3,000,000
  • Low-interest starting from 2.89%
  • Repayment up to 25 years

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Liberty homepage
Author Liberty. Screenshot of Liberty website.
[Accessed March 17, 2023]

About Liberty

Time to get a home loan? Liberty can make your home loan possible!

Starting back in 1997, Liberty introduced specialty finance to the market that was not available from other financial institutions with the personalized attention that is required from offering flexible solutions.

Most financial institutions can’t grant you home loans based on the normal procedures they follow. With Liberty’s groundbreaking approach and flexibility, they can help all kinds of customers to receive suited home loans. Over 600,000 customers have been granted loans to a value of over $28 billion.

Enjoy financial products and services provided by a trustworthy and transparent institution known to have customer-friendly and innovative solutions. They have more than two decades of experience to prove they make home loans possible.

Free-thinking home loans

Liberty has a variety of loans they offer for all your financial needs including home loans, business loans, and car loans. Today they even offer products and investments from other financial institutions to help you with all your different types of financial requirements.

Liberty’s innovative free-thinking solutions cater to the customer, delivering competitive products and loans while working with you to find and match the perfect custom option for your circumstances.

Liberty Services

Borrow up to $500,000 with no ongoing fees and a competitive annual interest rate starting at 2.59% with their Liberty SHARP home loan option.

Or you can borrow up to $3,000,000 with multiple loan splits and a 100% offset account option with a rate starting at only 2.69%p.a. Whether you are buying your first home, an investment property, or maybe you are building your dream home or refinancing your existing home loan, they will match your needs with a perfect home loan option for you.

Even if you are self-employed and have non-standard income, or if you have a credit score that is not so good, or even if you don’t have a big deposit ready yet, they can still assist you.

Grow and prosper with Liberty

They offer both secured and unsecured business loans for you to either start or expand your business. The maximum amount you can borrow would be up to $5 million over a maximum of 10 years at a tailored interest rate. Business loans can be used for all kinds of business expenses and purchases including staff wages, stock buying, marketing expenses, and more.

Bad credit OK, older cars accepted

You can access up to $100,000 with an annual interest rate starting at 5.19%% over a maximum of 7 years. You can also opt for a balloon payment with Liberty and they even accept applicants that have irregular sources of income or bad credit scores.

Liberty – Home loan

  • Loan Type Home loans
  • Interest Rate 2.893.79% p/a
  • Loan Amount up to $3,000,000
  • Repayment 25 years

Benefits of Liberty

  • Simple loan application
  • Reliable debt consolidation loans
  • Low deposit home loans

Liberty Home Loans, making life a little easier to afford

Proven over time to be dependable, backed with substantial capital to deliver continuous sustainable funding over long-term periods for all of their businesses.

They are advantaged enough to be in a position to deliver the same quality of funding for their business partners and support customers with freedom and a variety of choices. How to apply with liberty home loans online 

Easy online form to complete

  1. Personal information to know who you are with contact details.
  2. Your name and surname and title.
  3. Working email address.
  4. Contact numbers.

Supply them with information about the type of loan you need

  • The amount you want to borrow.
  • Do you have an asset to provide for collateral to secure a loan and what is the current value?
  • The reason and purpose of the loan.
  • Provide a breakdown of your total debt, including this loan.
  • Where the property is situated.
  • The type of property the loan is for.

Details of your income, expenses

  1. Are you applying for the loan online alone or with someone, supply details for both parties.
  2. Your yearly gross income.
  3. Do you have property rental income?
  4. Tax-free government assistance income?
  5. Do you have credit or store cards? Info on limits combined.
  6. Any other type of monthly loan repayments.
  7. Number of people who are financially dependent on you.
  8. The area code where you live.

Your employment information

  • For the main borrower only, the type of employment and the status.
  • For how long have you been employed by your current employer.

Your credit standing

Select the most appropriate option below

  • Clean Credit no defaults, arrears, or any unpaid bills.
  • Defaults that are less than $500.
  • Some payment defaults on credit cards or home loans.
  • Payments that are currently unresolved for $500 or more.
  • Are there other complications with your credit history for example Bankruptcy, Liquidation, or other?
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Liberty is a trusted & reliable provider of home loans

In our review, Liberty adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Liberty is a registered credit provider in Australia: ACL 286596

Customer Reviews & Testimonials

June 2019

This company they have not only helped me get my house remortgaged but they have also helped me get advice on my bills so that I can pay all my stuff without being broke each month.

Charmaine A
— Perth —

May 2019

Besides the fact that we got the best deal that we could for the house we wanted with them, they also offer other types of loans and if we will ever need then we won’t have to go anywhere else.

Chandler S
— Melbourne —

Liberty Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:00 – 18:00
  • Tuesday 08:00 – 18:00
  • Wednesday 08:00 – 18:00
  • Thursday 08:00 – 18:00
  • Friday 08:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed