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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
4.34% p.a.
Comparison Rate
4.41% 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
Rate
4.94% p.a.
Comparison Rate
5.01% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
5.34% p.a.
Comparison Rate
5.42% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
5.94% p.a.
Comparison Rate
6.02% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
6.39% p.a.
Comparison Rate
6.47% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
4.89% p.a.
Comparison Rate
4.96% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
4.69% p.a.
Comparison Rate
4.76% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
5.29% p.a.
Comparison Rate
5.36% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
5.69% p.a.
Comparison Rate
5.77% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
6.74% p.a.
Comparison Rate
6.82% p.a.
Service fee
$0.00
Upfront fee
$995
Rate
6.29% p.a.
Comparison Rate
6.37% p.a.
Service fee
$0.00
Upfront fee
$995

Mozo editorial review Liberty Sharp Home Loan - last updated: 12 August 2022

binocular icon
What's hot
  • Variable rates starting from 4.34% p.a. (4.41% p.a. comparison rate*)
  • No ongoing fees
  • Extra repayments and redraws available
What's not
  • $995 application fee
Mozo snapshot

The Sharp Home Loan from online lender Liberty boasts variable rates kicking off from 4.34% p.a. (4.41% p.a. 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 features like fee-free extra repayments and a redraw facility.

key icon
Key features

Liberty's Sharp Home Loan offers rates based on the type of borrower you are and your loan-to-value ratio (LVR), but the lowest rate currently available is a relatively competitive 4.34% p.a. variable rate (4.41% p.a. comparison rate*) for owner occupiers with an LVR under 65% (e.g a deposit over 35%). Borrowing amounts range from a minimum of $100,000 to a maximum of $500,000.

In addition to the competitive interest rates, we should also mention the loan features on offer. The Liberty Sharp Home Loan comes with weekly, fortnightly and monthly repayment options as well as the ability for borrowers to make extra repayments towards their loan balance (for free). And there's also an online redraw facility attached to the loan should you wish to dip into those extra repayments.

While there is a relatively high application fee of $995, there are no ongoing fees with the Liberty Sharp Home Loan which means all your monthly repayments can 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 variable 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, so if that's a non-negotiable for you then you may want to compare offset home loans.

Details

Rates and fees information correct as at 12 August 2022. 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

4.34% p.a.

n/a

n/a

n/a

4.41% 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 - free

$0.00

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 12 August 2022. 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

65.00%

75.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$0.00

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 12 August 2022. 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

4.94% p.a.

n/a

n/a

n/a

5.01% 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

75.00%

80.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

yes

yes - free

$0.00

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 12 August 2022. 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

5.34% p.a.

n/a

n/a

n/a

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

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 - free

$0.00

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 12 August 2022. 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

5.94% p.a.

n/a

n/a

n/a

6.02% 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 - free

$0.00

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 12 August 2022. 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

6.39% p.a.

n/a

n/a

n/a

6.47% 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

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 - free

$0.00

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 12 August 2022. 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

n/a

n/a

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

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 - free

$0.00

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 12 August 2022. 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

4.69% p.a.

n/a

n/a

n/a

4.76% 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

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 - free

$0.00

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 12 August 2022. 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

5.29% p.a.

n/a

n/a

n/a

5.36% 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

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 - free

$0.00

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 12 August 2022. 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

5.69% p.a.

n/a

n/a

n/a

5.77% 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 - free

$0.00

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 12 August 2022. 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

6.74% p.a.

n/a

n/a

n/a

6.82% 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

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 - free

$0.00

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 12 August 2022. 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

6.29% p.a.

n/a

n/a

n/a

6.37% 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 - free

$0.00

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.

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Latest reviews of Liberty Sharp Home Loan

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.