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Liberty Sharp Home Loan

Advertiser disclosure

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $500,000 with an LVR below 65%

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $500,000 with an LVR below 75%

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $500,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $500,000 with an LVR below 85%

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $500,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $500,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $100,000 and $500,000 with an LVR below 75%

The details shown below are for an investor taking out a principal & interest loan between $100,000 and $500,000 with an LVR below 65%

The details shown below are for an investor taking out a principal & interest loan between $100,000 and $500,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $100,000 and $500,000 with an LVR below 85%

The details shown below are for an investor taking out a principal & interest loan between $100,000 and $500,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $100,000 and $500,000 with an LVR below 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 65%

    Loan: $100,000 $500,000

  • Owner Occupier (Principal & Interest)

    LVR 65%-75%

    Loan: $100,000 $500,000

  • Owner Occupier (Principal & Interest)

    LVR 75%-80%

    Loan: $100,000 $500,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-85%

    Loan: $100,000 $500,000

  • Owner Occupier (Principal & Interest)

    LVR 85%-90%

    Loan: $100,000 $500,000

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $100,000 $500,000

  • Investor (Principal & Interest)

    LVR 65%-75%

    Loan: $100,000 $500,000

  • Investor (Principal & Interest)

    LVR < 65%

    Loan: $100,000 $500,000

  • Investor (Principal & Interest)

    LVR 75%-80%

    Loan: $100,000 $500,000

  • Investor (Principal & Interest)

    LVR 80%-85%

    Loan: $100,000 $500,000

  • Investor (Principal & Interest)

    LVR 90%-95%

    Loan: $100,000 $500,000

  • Investor (Principal & Interest)

    LVR 85%-90%

    Loan: $100,000 $500,000

Rate
2.59% p.a.
Comparison Rate
2.66% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
2.79% p.a.
Comparison Rate
2.86% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
3.19% p.a.
Comparison Rate
3.26% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
3.59% p.a.
Comparison Rate
3.66% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
4.19% p.a.
Comparison Rate
4.26% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
4.64% p.a.
Comparison Rate
4.71% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
3.14% p.a.
Comparison Rate
3.21% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
2.94% p.a.
Comparison Rate
3.01% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
3.54% p.a.
Comparison Rate
3.61% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
3.94% p.a.
Comparison Rate
4.01% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
4.99% p.a.
Comparison Rate
5.06% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
4.54% p.a.
Comparison Rate
4.61% p.a.
Service fee
$0.00
Upfront fee
$995

Mozo editorial review Liberty Sharp Home Loan - last updated: 29 July 2021

binocular icon
What's hot
  • Variable rates starting from 2.59% (2.66% comparison rate*)
  • No ongoing fees
  • Extra repayments and redraw facility available
What's not
  • $995 upfront fee
Mozo snapshot

The Sharp Home Loan from online lender Liberty boasts variable rates kicking off from a low 2.59% (2.66% comparison rate*) and 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 icon
Key features

The outstanding feature of the Liberty Sharp home loan is its competitive variable rates starting from just 2.59% (2.66% comparison rate*) if you are an owner occupier with an LVR under 65% (e.g a deposit over 35%). The rate you'll receive will depend on what kind of borrower you are and your LVR.

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.

Loans are available for a minimum of $100,000 and 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 will go towards paying off your home loan. At the end of the loan, however, you'll be up for a $395 discharge fee.

snapshot
Who is it good for

With relatively sharp interest rates and no ongoing fees, the Liberty Sharp home loan could be ideal for borrowers with a sizeable deposit.

question icon
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.

Details

Rates and fees information correct as at 3 August 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.59% p.a.

n/a

n/a

n/a

2.66% 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

n/a

$0.00

$395.00
Other financial bits

$100,000

$500,000

none

65.00%
Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - fees apply

$50.00

no

no

none

none

none

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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 3 August 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.79% p.a.

n/a

n/a

n/a

2.86% 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

n/a

$0.00

$395.00
Other financial bits

$100,000

$500,000

65.00%

75.00%
Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - fees apply

$50.00

no

no

none

none

none

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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 3 August 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

3.19% p.a.

n/a

n/a

n/a

3.26% 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

n/a

$0.00

$395.00
Other financial bits

$100,000

$500,000

75.00%

80.00%
Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - fees apply

$50.00

no

no

none

none

none

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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 3 August 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

3.59% p.a.

n/a

n/a

n/a

3.66% 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

n/a

$0.00

$395.00
Other financial bits

$100,000

$500,000

80.00%

85.00%
Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - fees apply

$50.00

no

no

none

none

none

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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 3 August 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

4.19% p.a.

n/a

n/a

n/a

4.26% 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

n/a

$0.00

$395.00
Other financial bits

$100,000

$500,000

85.00%

90.00%
Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - fees apply

$50.00

no

no

none

none

none

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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 3 August 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

4.64% p.a.

n/a

n/a

n/a

4.71% 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

n/a

$0.00

$395.00
Other financial bits

$100,000

$500,000

90.00%

95.00%
Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - fees apply

$50.00

no

no

none

none

none

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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 3 August 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

3.14% p.a.

n/a

n/a

n/a

3.21% 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

n/a

$0.00

$395.00
Other financial bits

$100,000

$500,000

65.00%

75.00%
Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - fees apply

$50.00

no

no

none

none

none

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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 3 August 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.94% p.a.

n/a

n/a

n/a

3.01% 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

n/a

$0.00

$395.00
Other financial bits

$100,000

$500,000

none

65.00%
Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - fees apply

$50.00

no

no

none

none

none

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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 3 August 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

3.54% p.a.

n/a

n/a

n/a

3.61% 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

n/a

$0.00

$395.00
Other financial bits

$100,000

$500,000

75.00%

80.00%
Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - fees apply

$50.00

no

no

none

none

none

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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 3 August 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

3.94% p.a.

n/a

n/a

n/a

4.01% 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

n/a

$0.00

$395.00
Other financial bits

$100,000

$500,000

80.00%

85.00%
Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - fees apply

$50.00

no

no

none

none

none

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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 3 August 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

4.99% p.a.

n/a

n/a

n/a

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

n/a

$0.00

$395.00
Other financial bits

$100,000

$500,000

90.00%

95.00%
Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - fees apply

$50.00

no

no

none

none

none

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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 3 August 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

4.54% p.a.

n/a

n/a

n/a

4.61% 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

n/a

$0.00

$395.00
Other financial bits

$100,000

$500,000

85.00%

90.00%
Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - fees apply

$50.00

no

no

none

none

none

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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are Liberty home loans rated by the Mozo community?

Overall
3.3/10
Price
2.9/10
Features
3.1/10
Customer service
4.4/10
Convenience
3.6/10
Trust
3.6/10
Based on 28 Liberty home loan reviews

Latest reviews of Liberty Sharp Home Loan

See all Liberty home loan customer reviews

About Liberty

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 for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

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