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
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 65% | $100,000 | $500,000 |
| | Owner Occupier | Principal & Interest | 65%-75% | $100,000 | $500,000 |
| | Owner Occupier | Principal & Interest | 75%-80% | $100,000 | $500,000 |
| | Owner Occupier | Principal & Interest | 80%-85% | $100,000 | $500,000 |
| | Owner Occupier | Principal & Interest | 85%-90% | $100,000 | $500,000 |
| | Owner Occupier | Principal & Interest | 90%-95% | $100,000 | $500,000 |
| | Investor | Principal & Interest | 65%-75% | $100,000 | $500,000 |
| | Investor | Principal & Interest | < 65% | $100,000 | $500,000 |
| | Investor | Principal & Interest | 75%-80% | $100,000 | $500,000 |
| | Investor | Principal & Interest | 80%-85% | $100,000 | $500,000 |
| | Investor | Principal & Interest | 90%-95% | $100,000 | $500,000 |
| | Investor | Principal & Interest | 85%-90% | $100,000 | $500,000 |
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
The Liberty Sharp home loan boasts very sharp variable rates kicking off from a low 2.64% (2.71% 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.
The outstanding feature of the Liberty Sharp home loan is its low variable rates starting from just 2.64% (2.71% comparison rate*) if you are an owner occupier with an LVR under 65% (e.g a deposit over 35%). 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.
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.
With its $500,000 maximum loan amount, sharp interest rates and no ongoing fees the Liberty Sharp home loan is ideal for borrowers with a sizeable deposit.
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.
2.64% p.a.
n/a
n/a
n/a
2.71% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$995.00
$0.00
$0.00
$0.00
n/a
$0.00
$395.00
$100,000
$500,000
none
65.00%
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.
2.84% p.a.
n/a
n/a
n/a
2.91% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$995.00
$0.00
$0.00
$0.00
n/a
$0.00
$395.00
$100,000
$500,000
65.00%
75.00%
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.
3.24% p.a.
n/a
n/a
n/a
3.31% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$995.00
$0.00
$0.00
$0.00
n/a
$0.00
$395.00
$100,000
$500,000
75.00%
80.00%
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.
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
$995.00
$0.00
$0.00
$0.00
n/a
$0.00
$395.00
$100,000
$500,000
80.00%
85.00%
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.
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
$995.00
$0.00
$0.00
$0.00
n/a
$0.00
$395.00
$100,000
$500,000
85.00%
90.00%
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.
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
$995.00
$0.00
$0.00
$0.00
n/a
$0.00
$395.00
$100,000
$500,000
90.00%
95.00%
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.
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
$995.00
$0.00
$0.00
$0.00
n/a
$0.00
$395.00
$100,000
$500,000
65.00%
75.00%
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.
2.99% p.a.
n/a
n/a
n/a
3.06% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$995.00
$0.00
$0.00
$0.00
n/a
$0.00
$395.00
$100,000
$500,000
none
65.00%
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.
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
$995.00
$0.00
$0.00
$0.00
n/a
$0.00
$395.00
$100,000
$500,000
75.00%
80.00%
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.
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
$995.00
$0.00
$0.00
$0.00
n/a
$0.00
$395.00
$100,000
$500,000
80.00%
85.00%
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.
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
$995.00
$0.00
$0.00
$0.00
n/a
$0.00
$395.00
$100,000
$500,000
90.00%
95.00%
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.
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
$995.00
$0.00
$0.00
$0.00
n/a
$0.00
$395.00
$100,000
$500,000
85.00%
90.00%
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.
Horrible bank and terrible rates and fees.
Read full reviewHorrible bank and terrible rates and fees.
Very lengthy process. Not replying back to emails. High rate in comparison to others. Lost a doc which resulted in a $560 extra expense for us. I wouldn’t recommend them to anybody.
Read full reviewVery lengthy process. Not replying back to emails. High rate in comparison to others. Lost a doc which resulted in a $560 extra expense for us. I wouldn’t recommend them to anybody.
Very happy with the service.
Read full reviewVery happy with the service.
They are absolute loan sharks. We have paid $13000 in interest in 6 months and only $2000 off our mortgage. They are seriously loan sharks. If only we didn’t have to use them. Stay away!
Read full reviewThey are absolute loan sharks. We have paid $13000 in interest in 6 months and only $2000 off our mortgage. They are seriously loan sharks. If only we didn’t have to use them. Stay away!
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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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.
