Liberty Financial Home Loan Rates
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 451 Liberty Financial products on this page, 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. 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.
451 Liberty Financial home loan products
No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.
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.