Liberty Sharp Home Loan

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 70%

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 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 70%

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%-70%

    Loan: $100,000 $500,000

  • Owner Occupier (Principal & Interest)

    LVR 70%-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%

    Loan: $100,000 $500,000

  • Investor (Principal & Interest)

    LVR 70%-80%

    Loan: $100,000 $500,000

  • Investor (Principal & Interest)

    LVR 65%-70%

    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

3.69% p.a.

3.76% p.a.

$0.00

Liberty Sharp Home Loan

3.69% p.a.

3.76% p.a.

$0.00

3.89% p.a.

3.96% p.a.

$0.00

Liberty Sharp Home Loan

3.89% p.a.

3.96% p.a.

$0.00

4.29% p.a.

4.36% p.a.

$0.00

Liberty Sharp Home Loan

4.29% p.a.

4.36% p.a.

$0.00

4.49% p.a.

4.56% p.a.

$0.00

Liberty Sharp Home Loan

4.49% p.a.

4.56% p.a.

$0.00

4.89% p.a.

4.96% p.a.

$0.00

Liberty Sharp Home Loan

4.89% p.a.

4.96% p.a.

$0.00

5.39% p.a.

5.47% p.a.

$0.00

Liberty Sharp Home Loan

5.39% p.a.

5.47% p.a.

$0.00

4.04% p.a.

4.11% p.a.

$0.00

Liberty Sharp Home Loan

4.04% p.a.

4.11% p.a.

$0.00

4.64% p.a.

4.71% p.a.

$0.00

Liberty Sharp Home Loan

4.64% p.a.

4.71% p.a.

$0.00

4.24% p.a.

4.31% p.a.

$0.00

Liberty Sharp Home Loan

4.24% p.a.

4.31% p.a.

$0.00

4.84% p.a.

4.91% p.a.

$0.00

Liberty Sharp Home Loan

4.84% p.a.

4.91% p.a.

$0.00

5.74% p.a.

5.82% p.a.

$0.00

Liberty Sharp Home Loan

5.74% p.a.

5.82% p.a.

$0.00

5.24% p.a.

5.31% p.a.

$0.00

Liberty Sharp Home Loan

5.24% p.a.

5.31% p.a.

$0.00

Mozo Review   Liberty Sharp Home Loan Review

Last updated: 3 June 2019.

What's hot:
  • Low variable rates starting from 3.69% (3.76% comparison rate*)

  • 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 3.69% (3.76 comparison rate*) 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 3.69%  (3.76 comparison rate*) if you are an owner occupier with an LVR under 60% (e.g a deposit over 40%). The rate you 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.

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.

Details

Rates and fees information correct as at 20 June 2019. 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
  • 3.69% p.a.

  • n/a

  • 0 Months

  • none

  • 3.76% 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

  • 65.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • 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 20 June 2019. 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
  • 3.89% 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

  • 65.00%

  • 70.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • 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 20 June 2019. 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
  • 4.29% p.a.

  • n/a

  • 0 Months

  • none

  • 4.36% 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

*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 20 June 2019. 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
  • 4.49% p.a.

  • n/a

  • 0 Months

  • none

  • 4.56% 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%

  • 85.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • 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 20 June 2019. 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
  • 4.89% p.a.

  • n/a

  • 0 Months

  • none

  • 4.96% 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

  • 85.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • 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 20 June 2019. 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
  • 5.39% p.a.

  • n/a

  • 0 Months

  • none

  • 5.47% 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

  • 90.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • 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 20 June 2019. 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
  • 4.04% p.a.

  • n/a

  • 0 Months

  • none

  • 4.11% 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

  • 65.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • 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 20 June 2019. 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

  • 0 Months

  • none

  • 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

  • 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

*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 20 June 2019. 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
  • 4.24% 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

  • 65.00%

  • 70.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • 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 20 June 2019. 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
  • 4.84% p.a.

  • n/a

  • 0 Months

  • none

  • 4.91% 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%

  • 85.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • 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 20 June 2019. 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
  • 5.74% p.a.

  • n/a

  • 0 Months

  • none

  • 5.82% 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

  • 90.00%

  • 95.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • 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 20 June 2019. 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
  • 5.24% p.a.

  • n/a

  • 0 Months

  • none

  • 5.31% 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

  • 85.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $1,000.00

  • no

  • no

  • 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 customer rating
3.3/10
Price
3.0/10
Features
3.0/10
Customer service
4.3/10
Convenience
2.9/10
Trust
3.3/10
Liberty

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.

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Promoted

UBank

UBank

UHomeLoan (Fixed)

3.24% p.a.
fixed 3 years

3.88% p.a.

$395

Promoted

QBANK

QBANK

Fixed Rate

3.62% p.a.
fixed 3 years

4.33% p.a.

$195

Promoted

Greater Bank

Greater Bank

Great Rate Home Loan (Fixed)

3.49% p.a.
fixed 3 years

4.11% p.a.

$180

Promoted

Bank Australia

Bank Australia

Basic Home Loan (Fixed)

3.74% p.a.
fixed 3 years

3.95% p.a.

$0

Promoted

loans.com.au

loans.com.au

Smart Home Loan

3.28% p.a.

3.30% p.a.

$0.00

Promoted

Athena

Athena

Variable Home Loan

3.34% p.a.

3.30% p.a.

$0.00

Promoted

HSBC

HSBC

Home Value Loan

3.47% p.a.

3.48% p.a.

$0.00

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

3.27% p.a.

3.28% p.a.

$0.00

Promoted

Mortgage House

Mortgage House

Red Home Loan - Early Bird Special

3.29% p.a.

3.36% p.a.

$0.00

Promoted

Well Home Loans

Well Home Loans

Well Balanced

3.22% p.a.

3.23% p.a.

$0.00

Promoted

UBank

UBank

UHomeLoan - Discount Offer

3.59% p.a.

3.59% p.a.

$0.00

Promoted

Well Home Loans

Well Home Loans

Well Balanced

3.19% p.a.

3.20% p.a.

$0.00

*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.