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:quality(90) "Liberty Financial Australia (1)")
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Things don’t always go according to plan, but our fresh start home loan helps you take that next step in the right direction.
Fresh start home loan
Fresh start home loan
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Move forward with more home loan options
You don’t live in the past, and neither do we. Our fresh start loan can help you take the next step toward your financial goals.
Poor credit history considered
Loans up to $3M**
Borrow up to 95% of purchase price#
Rates from 7.54% p.a.# (7.89% p.a. comparison rate*)
Get indicative pre-approval
Easy to understand features, variables and fees
Features
Maximum LVR 95%
Maximum loan amount**
$3,000,000
Minimum loan amount
$30,000
Principal and interest
Interest only***
Free online redraw
BPAY
Third party account transfers
Split loans****
100% offset facility with Visa Debit card
Additional repayments
Repay weekly, fortnightly, monthly
Fixed rate options
Loan variables
Unlimited debt consolidation
Paid and unpaid defaults
Mortgage arrears
Past bankruptcy
Fees^
Application fee
$995
Valuation fee^^
$330
Settlement fee
$0
Equalisation fee
Starting from 0.5%
Ongoing fee (monthly)
$15
Manual redraw fee
$50
Discharge fee
$395
Ready to get moving?
Wherever you are in your journey, help is here however you need it.
Use our simple calculator to work out how much you might be able to borrow.
Find my borrowing power
Move ahead with confidence. Our online indicative pre-approval tool gives you an answer instantly. It's fast and fuss free.
Get indicative pre-approval
Your local Liberty Adviser will be able to look at your financial situation and help you decide the best way forward.
Find my local adviser
Our innovation and flexible solutions have helped over 850,000 free thinkers.
Free thinkers like us see the possible!
When others see the impossible, we look past that and see what we can achieve together.
We’ve helped more than 850,000 customers get financial.
Supporting free thinkers from diverse backgrounds for over 25 years.
Proudly B Corp certified to make a difference beyond borrowing.
Championing women in sport to make a difference on and off the field.
About Liberty
Liberty home loans FAQs
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Other loans you might like:
Popular
This full featured loan lets you choose fixed or variable rates and provides options to help you pay off your loan faster.
100% offset facility##
Multiple loan splits
Linked Visa debit card##
Borrow up to $3M**
RATES PER ANNUM FROM#
6.59% (6.86%*) Comparison rate
Find out more
Popular with first homebuyers, this loan enables you to borrow up to 95% of the property purchase price.
Small deposits accepted
Borrow up to 95% of purchase price
Borrow up to $900,000
Gifted deposits accepted
RATES PER ANNUM FROM#
8.89% (9.64%*) Comparison rate
Find out more
Perfect for self-employed borrowers, our low-doc loan offers alternative ways to verify your income.
Suitable for self-employed
Flexible income verification
Borrow up to 85% of purchase price#
Borrow up to $2M**
RATES PER ANNUM FROM#
7.39% (7.66%*) Comparison rate
Find out more
Our debt consolidation loan can help you roll home loan, personal loan, and credit card debts into one repayment.
Consolidate multiple debts
Borrow up to 90% of property value#
Loans up to $3M**
RATES PER ANNUM FROM#
6.59% (6.86%*) Comparison rate
Find out more
All home loans
Things you should know:
#Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. Please call 13 11 33 or speak to your local Liberty Adviser for more details.
*Comparison rates are based on a secured $150,000 loan over a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
**Subject to LVR restrictions.
***Interest Only loans are subject to LVR restrictions and interest rates are higher than advertised interest rate. For further information on this product contact us on 13 11 33.
****$0 for loans with ≤ 4 splits. Additional fee of $495 applies for loans with > 4 splits.
^Other fees and charges may apply. Contact us on 13 11 33 for more information on fees and charges.
^^Additional valuation expenses may be payable where the anticipated security property value is >$1.5m, where the security property is in a regional location or for additional securities.
Effective as at Fri Mar 08 2024 01:29:04 GMT+0000 (Coordinated Universal Time).
