Liberty Sharp Home Loan

3.79% p.a.

3.86% p.a.

$0.00

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3.89% p.a.

3.96% p.a.

$0.00

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4.24% p.a.

4.31% p.a.

$0.00

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4.99% p.a.

5.06% p.a.

$0.00

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4.14% p.a.

4.21% p.a.

$0.00

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4.24% p.a.

4.31% p.a.

$0.00

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4.59% p.a.

4.66% p.a.

$0.00

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5.34% p.a.

5.42% p.a.

$0.00

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Liberty Sharp Home Loan Review

Rates and fees information correct as at 22 October 2017.

Review published: 29 November 2012

What's hot:

  • Low variable rates starting from 3.79%

  • No ongoing fees

  • Extra repayments and redraw facility available

What's not:

  • No offset account

  • $995 upfront fee

Mozo snapshot:

The Liberty Sharp home loan boasts very sharp variable rates kicking off from a low 3.79% and comes with no ongoing service fees over the life of the loan. If a low rate isn't incentive enough, you'll be happy to hear the home loan also comes with flexible features including fee free extra repayments and a redraw facility. Just keep in mind there is a $995 application fee you'll need to budget for when you take out the loan. 

Key features:

The outstanding feature of the Liberty Sharp home loan is its low variable rates starting from just 3.79% if you are an owner occupier with an LVR under 60% (e.g a deposit over 40%). The following rates apply, depending on your borrowing requirements:

Owner occupier, LVR 60-70%: 3.89%

Owner occupier, LVR 70-80%: 4.24%

Owner occupier, LVR 80-95%: 4.99%

Investor, LVR <70%: 4.14%

Investor, LVR 60-70%: 4.24%

Investor, LVR 70-80%: 4.59%

Investor, LVR 80-95%: 5.34%

Apart from offering competitive interest rates, we should also mention there are some great features on offer. The Liberty Sharp home loan comes with weekly, fortnightly and monthly repayment options and extra repayments are free. You can redraw extra repayments any time but there is a $50 redraw fee and the minimum amount you'll be able to redraw is $1,000.

The Liberty Sharp home loan starts at $100,000 and goes to a maximum of $500,000.

While the upfront fee is a high $995, there are no ongoing fees with the Liberty Sharp Home Loan which means all your monthly repayments go towards paying off your home loan not lender fees. At the end of the loan you'll be up for a $395 discharge fee.




Who it's good for:

With its $500,000 maximum loan amount, sharp interest rates and no ongoing fees the Liberty Sharp home loan is an ideal home loan for first home buyers and investors.

Any catches?

There isn't an offset account attached to the loan but there is a redraw facility if you make extra repayments and decide that you need the money later on.

The Mozo community has not yet rated Liberty for this home loan.

Currently showing

Rates

  • 3.79% p.a.

  • n/a

  • 0 Months

  • none

  • 3.86% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $995.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits

  • $100,000

  • $500,000

  • none

  • 60.00%

Features

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • none

  • none

Rates

  • 3.89% p.a.

  • n/a

  • 0 Months

  • none

  • 3.96% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $995.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits

  • $100,000

  • $500,000

  • 60.00%

  • 70.00%

Features

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • none

  • none

Rates

  • 4.24% p.a.

  • n/a

  • 0 Months

  • none

  • 4.31% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $995.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits

  • $100,000

  • $500,000

  • 70.00%

  • 80.00%

Features

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • none

  • none

Rates

  • 4.99% p.a.

  • n/a

  • 0 Months

  • none

  • 5.06% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $995.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits

  • $100,000

  • $500,000

  • 80.00%

  • 95.00%

Features

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • none

  • none

Rates

  • 4.14% p.a.

  • n/a

  • 0 Months

  • none

  • 4.21% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $995.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits

  • $100,000

  • $500,000

  • none

  • 60.00%

Features

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • none

  • none

Rates

  • 4.24% p.a.

  • n/a

  • 0 Months

  • none

  • 4.31% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $995.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits

  • $100,000

  • $500,000

  • 60.00%

  • 70.00%

Features

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • none

  • none

Rates

  • 4.59% p.a.

  • n/a

  • 0 Months

  • none

  • 4.66% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $995.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits

  • $100,000

  • $500,000

  • 70.00%

  • 80.00%

Features

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • none

  • none

Rates

  • 5.34% p.a.

  • n/a

  • 0 Months

  • none

  • 5.42% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $995.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $395.00

Other financial bits

  • $100,000

  • $500,000

  • 80.00%

  • 95.00%

Features

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • none

  • none

About Liberty

Mortgage specialist Liberty Financial has an award-winning range of full doc and low doc home loans, and specialises in helping borrowers who have difficulty qualifying for traditional home loans. Liberty Financial's flexible home loan solutions are tailored to your individual circumstances, whether you're self-employed, have fluctuating income or past credit issues.

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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