Liberty Financial home loan repayment calculator

Thinking about taking out a home loan with Liberty Financial? Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how Liberty Financial home loans compare with other options.

I am an

With a repayment type

Borrow amount

$

Deposit amount %

Loan term

Your estimated repayments

at interest rate 3.50 %

Total interest payable

$0

Total amount payable

$0

Pros and cons

  • These loans have flexible features.
  • Lower interest rates.
  • Loans cater to borrowers with specific needs like low doc loans and self-employed loans.
  • Limited branch network.
  • Some loans have annual fees.

Liberty Financial home loans rates

Product
Advertised Rate
Total estimated upfront fees
Comparison Rate*
Ongoing fee
Go to site
Company

3.50%

Variable

$995

3.57%

$0
Liberty Financial
More details

3.70%

Variable

$995

3.77%

$0
Liberty Financial
More details

3.60%

Variable

$0

3.92%

$295 annually
Liberty Financial
More details

3.85%

Variable

$995

3.92%

$0
Liberty Financial
More details

3.75%

Variable

$0

3.95%

$0
Liberty Financial
More details

3.80%

Variable

$0

4.11%

$295 annually
Liberty Financial
More details

4.05%

Variable

$995

4.12%

$0
Liberty Financial
More details

3.95%

Variable

$0

4.15%

$0
Liberty Financial
More details

4.10%

Variable

$995

4.17%

$0
Liberty Financial
More details

3.95%

Variable

$0

4.26%

$295 annually
Liberty Financial
More details

4.10%

Variable

$0

4.30%

$0
Liberty Financial
More details

4.15%

Variable

$0

4.46%

$295 annually
Liberty Financial
More details

4.30%

Variable

$995

4.47%

$0
Liberty Financial
More details

4.30%

Variable

$0

4.50%

$0
Liberty Financial
More details

4.20%

Variable

$0

4.51%

$295 annually
Liberty Financial
More details

4.45%

Variable

$995

4.52%

$0
Liberty Financial
More details

4.35%

Variable

$0

4.55%

$0
Liberty Financial
More details

4.29%

Fixed - 3 years

$0

4.73%

$295 annually
Liberty Financial
More details

4.29%

Fixed - 2 years

$0

4.74%

$295 annually
Liberty Financial
More details

4.55%

Variable

$0

4.75%

$0
Liberty Financial
More details

4.34%

Fixed - 1 year

$0

4.77%

$295 annually
Liberty Financial
More details

4.40%

Variable

$0

4.80%

$295 annually
Liberty Financial
More details

4.60%

Variable

$0

4.80%

$0
Liberty Financial
More details

4.65%

Variable

$995

4.82%

$0
Liberty Financial
More details

4.55%

Variable

$0

4.85%

$295 annually
Liberty Financial
More details

4.70%

Variable

$0

4.90%

$0
Liberty Financial
More details

4.70%

Variable

$995

4.93%

$0
Liberty Financial
More details

4.64%

Fixed - 3 years

$0

5.00%

$295 annually
Liberty Financial
More details

4.80%

Variable

$0

5.00%

$0
Liberty Financial
More details

4.64%

Fixed - 2 years

$0

5.01%

$295 annually
Liberty Financial
More details

4.69%

Fixed - 1 year

$0

5.03%

$295 annually
Liberty Financial
More details

4.90%

Variable

$0

5.10%

$0
Liberty Financial
More details

4.74%

Variable

$0

5.14%

$295 annually
Liberty Financial
More details

4.95%

Variable

$0

5.15%

$0
Liberty Financial
More details

4.80%

Variable

$0

5.26%

$295 annually
Liberty Financial
More details

5.05%

Variable

$995

5.29%

$0
Liberty Financial
More details

5.20%

Variable

$0

5.40%

$0
Liberty Financial
More details

5.30%

Variable

$0

5.50%

$0
Liberty Financial
More details

5.20%

Variable

$995

5.58%

$0
Liberty Financial
More details

5.15%

Variable

$0

5.60%

$295 annually
Liberty Financial
More details

5.40%

Variable

$0

5.60%

$0
Liberty Financial
More details

5.45%

Variable

$0

5.65%

$0
Liberty Financial
More details

5.80%

Variable

$0

5.81%

$0
Liberty Financial
More details

5.30%

Variable

$0

5.90%

$295 annually
Liberty Financial
More details

5.55%

Variable

$995

5.94%

$0
Liberty Financial
More details

5.80%

Variable

$0

6.00%

$0
Liberty Financial
More details

5.65%

Variable

$0

6.25%

$295 annually
Liberty Financial
More details

6.15%

Variable

$990

6.30%

$10 monthly
Liberty Financial
More details

6.30%

Variable

$0

6.50%

$0
Liberty Financial
More details

Liberty Financial customer service

Home Loan customers can contact Liberty Financial by calling the contact centre or by using the email enquiry form. Customers also have the option of talking to a Liberty Financial representative using the live chat function on the website. While Liberty Financial doesn’t have branches, it does have a network of mobile Advisers who help borrowers tailor a custom finance solution.

✓     Customer service centre (phone)

✓     Online banking

✓     Email

✓     Live Chat

✓     Mobile banking

How to Apply

Borrowers wanting to apply for a Liberty Financial home loan can complete a pre-approval assessment form online but cannot actually apply for the loan online. Customers wanting to apply for a Liberty Financial loan will need to call the contact centre or enquire online for access to a Broker or Adviser. Before applying for a Liberty Financial home loan, consider what you can afford to borrow and what other costs you need to factor in. The Liberty Financial website doesn’t give specific documents, however they could include:

  • Provide details of your income and employment including your employer's contact details or recent tax returns.
  • Proof of identity.
  • Proof of assets, debts and liabilities.

How do I take out a low-deposit home loan?

If you want to take out a low-deposit home loan, it might be a good idea to consult a mortgage broker who can give you professional financial advice and organise the mortgage for you.

Another way to take out a low-deposit home loan is to do your own research with a comparison website like RateCity. Once you’ve identified your preferred mortgage, you can apply through RateCity or go direct to the lender.

Switch & Save help desk

How much information is required to get a rating?

You don’t need to input any information to see the default ratings. But the more you tell us, the more relevant the ratings will become to you. We take your personal privacy seriously. If you are concerned about inputting your information, please read our privacy policy.

What is a credit file?

A comprehensive summary of your credit history from an authorised credit reporting agency.

It includes your credit details, credit taken in the last five years, any default payments or credit infringements, arrears, repayment history, bankruptcy filings and a list of credit applications (including unapproved credit applications) in addition to your personal details.

What is stamp duty?

Stamp duty is the tax that must be paid when purchasing a property in Australia.

It is calculated by the state government based on the selling price of the property. These charges may differ for first homebuyers. You can calculate the stamp duty for your property using our stamp duty calculator.

Are you REALLY giving away a million bucks?

We are giving away, for one lucky entrant, the chance to win $1 million. Here’s how it will work:

On 21 May 2020, one winner will be drawn from all the entries. This winner will then get a one in 200 shot at winning one million dollars. Even if they’re unlucky and don’t win the one million, they’ll still leave $5000 richer. 

What is Real Time Ratings?

Real Time RatingsTM ranks home loans according to cost and flexibility. This allows you to compare products using a simple score out of five.

Our world-first system analyses almost 4,000 mortgages based on your individual requirements. Best of all, the results are generated in real time, so if a lender has just hiked its interest rates or introduced extra fees, our system has factored this in.

What is a split home loan?

A split loan lets you fix a portion of your loan, and leave the remainder on a variable rate so you get a bet each way on fixed and variable rates. A split loan is a good option for someone who wants the peace of mind that regular repayments can provide but still wants to retain some of the additional features variable loans typically provide such as an offset account. Of course, with most things in life, split loans are still a trade-off. If the variable rate goes down, for example, the lower interest rates will only apply to the section that you didn’t fix.

How often is your data updated?

We work closely with lenders to get updates as quick as possible, with updates made the same day wherever possible.

Mortgage Calculator, Loan Term

How long you wish to take to pay off your loan. 

Who has the best home loan?

Determining who has the ‘best’ home loan really does depend on your own personal circumstances and requirements. It may be tempting to judge a loan merely on the interest rate but there can be added value in the extras on offer, such as offset and redraw facilities, that aren’t available with all low rate loans.

To determine which loan is the best for you, think about whether you would prefer the consistency of a fixed loan or the flexibility and potential benefits of a variable loan. Then determine which features will be necessary throughout the life of your loan. Thirdly, consider how much you are willing to pay in fees for the loan you want. Once you find the perfect combination of these three elements you are on your way to determining the best loan for you. 

What is a low-deposit home loan?

A low-deposit home loan is a mortgage where you need to borrow more than 80 per cent of the purchase price – in other words, your deposit is less than 20 per cent of the purchase price.

For example, if you want to buy a $500,000 property, you’ll need a low-deposit home loan if your deposit is less than $100,000 and therefore you need to borrow more than $400,000.

As a general rule, you’ll need to pay LMI (lender’s mortgage insurance) if you take out a low-deposit home loan. You can use this LMI calculator to estimate your LMI payment.

What is the flexibility score?

Today’s home loans often try to lure borrowers with a range of flexible features, including offset accounts, redraw facilities, repayment frequency options, repayment holidays, split loan options and portability. Real Time Ratings™ weights each of these features based on popularity and gives loans a ‘flexibility score’ based on how much they cater to borrowers’ needs over time. The aim is to give a higher score to loans which give borrowers more features and options.

Mortgage Calculator, Property Value

An estimate of how much your desired property is worth. 

How common are low-deposit home loans?

Low-deposit home loans aren’t as common as they once were, because they’re regarded as relatively risky and the banking regulator (APRA) is trying to reduce risk from the mortgage market.

However, if you do your research, you’ll find there is still a fairly wide selection of banks, credit unions and non-bank lenders that offers low-deposit home loans.