Liberty Star Home Loan

3.79% p.a.

4.10% p.a.

$295.00 yearly

3.89% p.a.

4.20% p.a.

$295.00 yearly

4.24% p.a.

4.54% p.a.

$295.00 yearly

4.99% p.a.

5.28% p.a.

$295.00 yearly

3.89% p.a.

4.20% p.a.

$295.00 yearly

3.99% p.a.

4.29% p.a.

$295.00 yearly

4.34% p.a.

4.64% p.a.

$295.00 yearly

5.09% p.a.

5.38% p.a.

$295.00 yearly

4.14% p.a.

4.44% p.a.

$295.00 yearly

4.24% p.a.

4.54% p.a.

$295.00 yearly

4.59% p.a.

4.88% p.a.

$295.00 yearly

5.34% p.a.

5.62% p.a.

$295.00 yearly

4.24% p.a.

4.54% p.a.

$295.00 yearly

4.34% p.a.

4.64% p.a.

$295.00 yearly

4.69% p.a.

4.98% p.a.

$295.00 yearly

5.44% p.a.

5.72% p.a.

$295.00 yearly

Liberty Star Home Loan Review

Rates and fees information correct as at 22 October 2017.

Review published: 25 November 2015

What's hot:

  • 3.79% variable rate for LVRs under 60%

  • No penalties for additional repayments

  • No establishment or settlement fees

What's not:

  • $295 annual fee

Mozo snapshot:

With low rates starting from 3.79%, no upfront fees and a great range of flexible features like an extra repayments facility, interest only option (0.10% rate loading applies) and offset account, Liberty is an online only lender shaking up the home loan market with its Star Home Loan. 

Key features:

The Liberty Star Home Loan is available to both owner occupiers and investors and offers enticing rates starting from just 3.79% (Principal&Interest) for owner occupier borrowers with an LVR under 60% (e.g you need a deposit of more than 40%). This rate climbs up to:

- 3.89% for owner occupiers with an LVR between 60%-70%
- 4.24% for owner occupiers with an LVR between 70%-80%
- 4.99% for owner occupiers with an LVR between 80%-95%
- 4.14% for investors with an LVR under 60%
- 4.24% for investors with an LVR between 60%-70%
- 4.59% for investors with an LVR between 70%-80%
- 5.34% for investors with an LVR between 80%-95%

No matter your LVR, loan amounts are available between $50,000 and $1,500,000. While the Liberty Star Home Loan comes with no upfront fees, there is a $295 annual service fee to consider.

Apart from a low starting rate and no upfront fees, the home loan also comes with a huge amount of flexibility. You can choose to repay both the principal and interest or alternatively opt for interest only repayments. There's also the choice of either weekly, fortnightly or monthly repayments, so you can set up your repayments to match your pay cycle.

Additional payments can be made without extra charge and you can choose to dip into that extra cash through the redraw facility. Keep in mind there is a minimum redraw amount of $1,000. If you prefer to keep your money stashed in an offset account, you'll be happy to hear that this home loan also comes with a 100% offset facility.



Who it's good for:

Perfect for any owner occupier or investor borrowers looking for a low rate home loan free of any hefty upfront fees and with a great amount of flexibility too. 

Any catches?

While there are no upfront fees, you'll need to budget for the $295 ongoing fee. Plus we should also mention there is a $395 discharge fee.  

How are Liberty home loans rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
2.5

Based on 21
Liberty home loans reviews

2.3 2.5 3.7 2.5 2.8

Read Liberty home loan reviews by the Mozo community

Latest review of Liberty Star Home Loan

Liberty

Liberty Star Home Loan (LVR<60%, Owner Occupier, Principal & Interest) home loan review

Overall rating   7 / 10

Convenient

Convenient.

Full review

Convenient.

    Price   7 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   8 / 10

Less

Mozo reviewer (QLD), reviewed about 4 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Currently showing

Rates

  • 3.79% p.a.

  • n/a

  • 0 Months

  • none

  • 4.10% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $295.00 yearly

  • $395.00

Other financial bits

  • $50,000

  • $1,500,000

  • none

  • 60.00%

Features

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Rates

  • 3.89% p.a.

  • n/a

  • 0 Months

  • none

  • 4.20% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $295.00 yearly

  • $395.00

Other financial bits

  • $50,000

  • $1,500,000

  • 60.00%

  • 70.00%

Features

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Rates

  • 4.24% p.a.

  • n/a

  • 0 Months

  • none

  • 4.54% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $295.00 yearly

  • $395.00

Other financial bits

  • $50,000

  • $1,500,000

  • 70.00%

  • 80.00%

Features

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Rates

  • 4.99% p.a.

  • n/a

  • 0 Months

  • none

  • 5.28% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $295.00 yearly

  • $395.00

Other financial bits

  • $50,000

  • $1,500,000

  • 80.00%

  • 95.00%

Features

  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Rates

  • 3.89% p.a.

  • n/a

  • 0 Months

  • none

  • 4.20% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $295.00 yearly

  • $395.00

Other financial bits

  • $50,000

  • $1,500,000

  • none

  • 60.00%

Features

  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Rates

  • 3.99% p.a.

  • n/a

  • 0 Months

  • none

  • 4.29% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $295.00 yearly

  • $395.00

Other financial bits

  • $50,000

  • $1,500,000

  • 60.00%

  • 70.00%

Features

  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Rates

  • 4.34% p.a.

  • n/a

  • 0 Months

  • none

  • 4.64% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $295.00 yearly

  • $395.00

Other financial bits

  • $50,000

  • $1,500,000

  • 70.00%

  • 80.00%

Features

  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Rates

  • 5.09% p.a.

  • n/a

  • 0 Months

  • none

  • 5.38% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $295.00 yearly

  • $395.00

Other financial bits

  • $50,000

  • $1,500,000

  • 80.00%

  • 95.00%

Features

  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Rates

  • 4.14% p.a.

  • n/a

  • 0 Months

  • none

  • 4.44% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $295.00 yearly

  • $395.00

Other financial bits

  • $50,000

  • $1,500,000

  • none

  • 60.00%

Features

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Rates

  • 4.24% p.a.

  • n/a

  • 0 Months

  • none

  • 4.54% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $295.00 yearly

  • $395.00

Other financial bits

  • $50,000

  • $1,500,000

  • 60.00%

  • 70.00%

Features

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Rates

  • 4.59% p.a.

  • n/a

  • 0 Months

  • none

  • 4.88% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $295.00 yearly

  • $395.00

Other financial bits

  • $50,000

  • $1,500,000

  • 70.00%

  • 80.00%

Features

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Rates

  • 5.34% p.a.

  • n/a

  • 0 Months

  • none

  • 5.62% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $295.00 yearly

  • $395.00

Other financial bits

  • $50,000

  • $1,500,000

  • 80.00%

  • 95.00%

Features

  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Rates

  • 4.24% p.a.

  • n/a

  • 0 Months

  • none

  • 4.54% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $295.00 yearly

  • $395.00

Other financial bits

  • $50,000

  • $1,500,000

  • none

  • 60.00%

Features

  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Rates

  • 4.34% p.a.

  • n/a

  • 0 Months

  • none

  • 4.64% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $295.00 yearly

  • $395.00

Other financial bits

  • $50,000

  • $1,500,000

  • 60.00%

  • 70.00%

Features

  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Rates

  • 4.69% p.a.

  • n/a

  • 0 Months

  • none

  • 4.98% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $295.00 yearly

  • $395.00

Other financial bits

  • $50,000

  • $1,500,000

  • 70.00%

  • 80.00%

Features

  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • none

  • none

Rates

  • 5.44% p.a.

  • n/a

  • 0 Months

  • none

  • 5.72% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees

  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $295.00 yearly

  • $395.00

Other financial bits

  • $50,000

  • $1,500,000

  • 80.00%

  • 95.00%

Features

  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $1,000.00

  • yes

  • yes

  • 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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