Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR ≤60%
Liberty Financial Home Loan Rates
Tracked products
451
Lowest variable
6.74%
Lowest fixed (interest-only)
8.19%
Lowest comparison
—
Last updated
11 Sept 2026
Liberty is an ASX-listed non-bank lender founded in 1997, providing Custom (specialist), Star (Lite Doc) and Sharp (prime) home-loan ranges. Liberty is well-known for accepting borrowers outside Big 4 credit policy, including past defaults, discharged bankruptcies and ABN-only self-employed, at risk-based prices. Distributed through third-party lending channels only, no direct-to-consumer.
What are Liberty Financial home loan rates?
Liberty Financial home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.74% p.a. and the lowest fixed rate currently 8.19% p.a., checked daily (last verified 11 Sept 2026). Compare Liberty Financial against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Liberty Financial home loan rate?
The lowest Liberty Financial variable home loan rate Ratesniffers tracks is 6.74% p.a., and the lowest fixed rate is 8.19% p.a. These figures come from the 60 Liberty Financial products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does Liberty Financial offer?
Ratesniffers currently tracks 451 Liberty Financial home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Liberty Financial home loan rates at a glance
| Product type | Rate | Max LVR |
|---|---|---|
| Variable Owner-occupier P&I | 6.74% p.a. | 60% |
| Variable Owner-occupier P&I | 6.74% p.a. | 65% |
| Variable Owner-occupier P&I | 7.04% p.a. | 70% |
| Variable Owner-occupier P&I | 7.04% p.a. | 75% |
| Variable Investor P&I | 7.09% p.a. | 60% |
| Variable Investor P&I | 7.09% p.a. | 65% |
| Variable Owner-occupier interest-only | 7.09% p.a. | 60% |
| Variable Owner-occupier interest-only | 7.09% p.a. | 65% |
| Variable Owner-occupier interest-only | 7.24% p.a. | 60% |
| Variable Owner-occupier interest-only | 7.24% p.a. | 65% |
| Variable Owner-occupier P&I | 7.24% p.a. | 60% |
| Variable Owner-occupier P&I | 7.24% p.a. | 65% |
60 of 451 tracked Liberty Financial home loan products
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR ≤65%
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR ≤70%
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR ≤75%
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤60%
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤65%
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤60%
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤65%
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR ≤60%
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR ≤65%
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR ≤60%
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR ≤65%
Interest
7.34%p.a.
Comparison*
Not available
Est. repayment
$3,441
LVR ≤80%
Interest
7.39%p.a.
Comparison*
Not available
Est. repayment
$3,458
LVR ≤70%
Interest
7.39%p.a.
Comparison*
Not available
Est. repayment
$3,458
LVR ≤75%
Interest
7.39%p.a.
Comparison*
Not available
Est. repayment
$3,458
LVR ≤70%
Interest
7.39%p.a.
Comparison*
Not available
Est. repayment
$3,458
LVR ≤75%
Interest
7.39%p.a.
Comparison*
Not available
Est. repayment
$3,458
LVR ≤70%
Interest
7.39%p.a.
Comparison*
Not available
Est. repayment
$3,458
LVR ≤75%
Interest
7.44%p.a.
Comparison*
Not available
Est. repayment
$3,476
LVR ≤60%
Interest
7.44%p.a.
Comparison*
Not available
Est. repayment
$3,476
LVR ≤65%
Interest
7.49%p.a.
Comparison*
Not available
Est. repayment
$3,493
LVR ≤60%
Interest
7.49%p.a.
Comparison*
Not available
Est. repayment
$3,493
LVR ≤65%
Interest
7.54%p.a.
Comparison*
Not available
Est. repayment
$3,510
LVR ≤70%
Interest
7.54%p.a.
Comparison*
Not available
Est. repayment
$3,510
LVR ≤75%
Interest
7.59%p.a.
Comparison*
Not available
Est. repayment
$3,527
LVR ≤60%
Interest
7.59%p.a.
Comparison*
Not available
Est. repayment
$3,527
LVR ≤65%
Interest
7.59%p.a.
Comparison*
Not available
Est. repayment
$3,527
LVR ≤85%
Interest
7.59%p.a.
Comparison*
Not available
Est. repayment
$3,527
LVR ≤60%
Interest
7.59%p.a.
Comparison*
Not available
Est. repayment
$3,527
LVR ≤65%
Interest
7.64%p.a.
Comparison*
Not available
Est. repayment
$3,544
LVR ≤70%
Interest
7.64%p.a.
Comparison*
Not available
Est. repayment
$3,544
LVR ≤75%
Interest
7.64%p.a.
Comparison*
Not available
Est. repayment
$3,544
LVR ≤60%
Interest
7.69%p.a.
Comparison*
Not available
Est. repayment
$3,561
LVR ≤80%
Interest
7.69%p.a.
Comparison*
Not available
Est. repayment
$3,561
LVR ≤80%
Interest
7.74%p.a.
Comparison*
Not available
Est. repayment
$3,579
LVR ≤70%
Interest
7.74%p.a.
Comparison*
Not available
Est. repayment
$3,579
LVR ≤75%
Interest
7.74%p.a.
Comparison*
Not available
Est. repayment
$3,579
LVR ≤60%
Interest
7.74%p.a.
Comparison*
Not available
Est. repayment
$3,579
LVR ≤65%
Interest
7.74%p.a.
Comparison*
Not available
Est. repayment
$3,579
LVR ≤70%
Interest
7.74%p.a.
Comparison*
Not available
Est. repayment
$3,579
LVR ≤75%
Interest
7.79%p.a.
Comparison*
Not available
Est. repayment
$3,596
LVR ≤65%
Interest
7.84%p.a.
Comparison*
Not available
Est. repayment
$3,613
LVR ≤80%
Interest
7.84%p.a.
Comparison*
Not available
Est. repayment
$3,613
LVR ≤60%
Interest
7.84%p.a.
Comparison*
Not available
Est. repayment
$3,613
LVR ≤65%
Interest
7.89%p.a.
Comparison*
Not available
Est. repayment
$3,631
LVR ≤70%
Interest
7.89%p.a.
Comparison*
Not available
Est. repayment
$3,631
LVR ≤75%
Interest
7.89%p.a.
Comparison*
Not available
Est. repayment
$3,631
LVR ≤70%
Interest
7.89%p.a.
Comparison*
Not available
Est. repayment
$3,631
LVR ≤75%
Interest
7.89%p.a.
Comparison*
Not available
Est. repayment
$3,631
LVR ≤80%
Interest
7.94%p.a.
Comparison*
Not available
Est. repayment
$3,648
LVR ≤85%
Interest
7.94%p.a.
Comparison*
Not available
Est. repayment
$3,648
LVR ≤85%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR ≤70%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR ≤75%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR ≤60%
Interest
8.04%p.a.
Comparison*
Not available
Est. repayment
$3,683
LVR ≤80%
Interest
8.04%p.a.
Comparison*
Not available
Est. repayment
$3,683
LVR ≤70%
Interest
8.09%p.a.
Comparison*
Not available
Est. repayment
$3,700
LVR ≤85%
Interest
8.09%p.a.
Comparison*
Not available
Est. repayment
$3,700
LVR ≤60%
Interest
8.09%p.a.
Comparison*
Not available
Est. repayment
$3,700
LVR ≤65%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Liberty Financial home loan repayment calculator
Pre-filled with Liberty Financial's lowest advertised variable rate in the table above, 6.74% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
Liberty Financial's lowest variable today: 6.74%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,240
Fortnightly repayment
$1,495
Total interest
$666,280
30 years at 6.74% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
Who is Liberty Financial?
Liberty is a specialist non-bank lender founded in 1997 to serve borrowers outside the banks' standard criteria, self-employed, low-deposit and credit-impaired applicants included. It is the only Australian non-bank with an investment-grade credit rating, and lends across prime and custom tiers.
Its free-thinking underwriting assesses the story behind the numbers, which is why it can approve scenarios the banks template out, at rates that scale with the risk.
Who suits a Liberty Financial home loan?
Liberty tends to suit borrowers with non-standard circumstances: irregular income, a thin credit file, a past default, or a deposit below bank thresholds. Its custom tiers cost more than bank pricing, so the play is usually approval now, refinance later once the file is clean. Compare its prime pricing against the market leaders above.
Background facts checked 21 July 2026. Rates above refresh independently.
Liberty Financial fees, offset and limits at a glance
- Application or establishment fee
- $0 application fee for AAA unless purchasing/refinancing through company/trust or purchasing/refinancing…
- Discharge fee
- $395
- Settlement fee
- $495
- Additional valuation fee
- $330
- Rate lock fee
- $900 (non-refundable)
- Loan portability
- Refer to Liberty
- Offset account
- 100% Offset available on AAA Star and Free products only
- Lenders mortgage insurer
- Helia and QBE
- Capitalising LMI
- Full capitalisation of LMI to 99.9% for Owner occupied, 95% for investment.…
- Maximum total lending
- $10m maximum aggregate borrowings.
- Extra repayments on fixed
- YES, refer to Loan Contract, some penalties may apply
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Liberty Financial home loans: frequently asked questions
What are Liberty Financial home loan rates?
Liberty Financial home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.74% p.a., and the lowest fixed rate is 8.19% p.a., checked daily (last verified 11 Sept 2026). Compare Liberty Financial against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Liberty Financial balance, use /calculators/extra-repayment.
What is the lowest Liberty Financial home loan rate?
Liberty Financial's lowest variable home loan rate is currently 6.74% p.a., and its lowest fixed rate is 8.19% p.a., based on the 60 Liberty Financial products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate Liberty Financial approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Liberty Financial home loan?
At Liberty Financial's lowest variable rate of 6.74% p.a., a $600,000 principal and interest loan over 30 years repays about $3,888 a month, and $500,000 about $3,240. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Liberty Financial home loan?
There is no single salary. Like every Australian lender, Liberty Financial must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.74% p.a. is assessed at about 9.74% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Liberty Financial's home loan rate compare to the market?
Liberty Financial's lowest variable home loan rate today is 6.74% p.a., which is 50 basis points above the market median of 6.24% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Liberty Financial to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Liberty Financial sits right now rather than a fixed snapshot.
How many home loan products does Liberty Financial offer?
Ratesniffers currently tracks 451 Liberty Financial home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
How often are Liberty Financial's home loan rates updated?
Ratesniffers refreshes Liberty Financial's home loan rates daily; this page was last updated 11 Sept 2026. Rates can change whenever Liberty Financial reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.