Liberty Star Home Loan
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $3,000,000 with an LVR below 60%
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $3,000,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $3,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $3,000,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $3,000,000 with an LVR below 60%
The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $3,000,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $3,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $3,000,000 with an LVR below 95%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $3,000,000 with an LVR below 60%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $3,000,000 with an LVR below 70%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $3,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $3,000,000 with an LVR below 95%
The details shown below are for an investor taking out a interest only loan between $50,000 and $3,000,000 with an LVR below 60%
The details shown below are for an investor taking out a interest only loan between $50,000 and $3,000,000 with an LVR below 70%
The details shown below are for an investor taking out a interest only loan between $50,000 and $3,000,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $50,000 and $3,000,000 with an LVR below 95%
Choose the version of loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 60% | $50,000 | $3,000,000 |
| | Owner Occupier | Principal & Interest | 60%-70% | $50,000 | $3,000,000 |
| | Owner Occupier | Principal & Interest | 70%-80% | $50,000 | $3,000,000 |
| | Owner Occupier | Principal & Interest | 80%-95% | $50,000 | $3,000,000 |
| | Owner Occupier | Interest Only | < 60% | $50,000 | $3,000,000 |
| | Owner Occupier | Interest Only | 60%-70% | $50,000 | $3,000,000 |
| | Owner Occupier | Interest Only | 70%-80% | $50,000 | $3,000,000 |
| | Owner Occupier | Interest Only | 80%-95% | $50,000 | $3,000,000 |
| | Investor | Principal & Interest | < 60% | $50,000 | $3,000,000 |
| | Investor | Principal & Interest | 60%-70% | $50,000 | $3,000,000 |
| | Investor | Principal & Interest | 70%-80% | $50,000 | $3,000,000 |
| | Investor | Principal & Interest | 80%-95% | $50,000 | $3,000,000 |
| | Investor | Interest Only | < 60% | $50,000 | $3,000,000 |
| | Investor | Interest Only | 60%-70% | $50,000 | $3,000,000 |
| | Investor | Interest Only | 70%-80% | $50,000 | $3,000,000 |
| | Investor | Interest Only | 80%-95% | $50,000 | $3,000,000 |
-
Owner Occupier (Principal & Interest)
LVR < 60%
Loan: $50,000 $3,000,000
-
Owner Occupier (Principal & Interest)
LVR 60%-70%
Loan: $50,000 $3,000,000
-
Owner Occupier (Principal & Interest)
LVR 70%-80%
Loan: $50,000 $3,000,000
-
Owner Occupier (Principal & Interest)
LVR 80%-95%
Loan: $50,000 $3,000,000
-
Owner Occupier (Interest Only)
LVR < 60%
Loan: $50,000 $3,000,000
-
Owner Occupier (Interest Only)
LVR 60%-70%
Loan: $50,000 $3,000,000
-
Owner Occupier (Interest Only)
LVR 70%-80%
Loan: $50,000 $3,000,000
-
Owner Occupier (Interest Only)
LVR 80%-95%
Loan: $50,000 $3,000,000
-
Investor (Principal & Interest)
LVR < 60%
Loan: $50,000 $3,000,000
-
Investor (Principal & Interest)
LVR 60%-70%
Loan: $50,000 $3,000,000
-
Investor (Principal & Interest)
LVR 70%-80%
Loan: $50,000 $3,000,000
-
Investor (Principal & Interest)
LVR 80%-95%
Loan: $50,000 $3,000,000
-
Investor (Interest Only)
LVR < 60%
Loan: $50,000 $3,000,000
-
Investor (Interest Only)
LVR 60%-70%
Loan: $50,000 $3,000,000
-
Investor (Interest Only)
LVR 70%-80%
Loan: $50,000 $3,000,000
-
Investor (Interest Only)
LVR 80%-95%
Loan: $50,000 $3,000,000
3.89% p.a.
4.20% p.a.
$295.00 yearly
Liberty Star Home Loan
3.89% p.a.
4.20% p.a.
$295.00 yearly
4.09% p.a.
4.39% p.a.
$295.00 yearly
Liberty Star Home Loan
4.09% p.a.
4.39% p.a.
$295.00 yearly
4.44% p.a.
4.74% p.a.
$295.00 yearly
Liberty Star Home Loan
4.44% p.a.
4.74% p.a.
$295.00 yearly
5.19% p.a.
5.47% p.a.
$295.00 yearly
Liberty Star Home Loan
5.19% p.a.
5.47% p.a.
$295.00 yearly
3.99% p.a.
4.29% p.a.
$295.00 yearly
Liberty Star Home Loan
3.99% p.a.
4.29% p.a.
$295.00 yearly
4.19% p.a.
4.49% p.a.
$295.00 yearly
Liberty Star Home Loan
4.19% p.a.
4.49% p.a.
$295.00 yearly
4.54% p.a.
4.83% p.a.
$295.00 yearly
Liberty Star Home Loan
4.54% p.a.
4.83% p.a.
$295.00 yearly
5.29% p.a.
5.57% p.a.
$295.00 yearly
Liberty Star Home Loan
5.29% p.a.
5.57% p.a.
$295.00 yearly
4.24% p.a.
4.54% p.a.
$295.00 yearly
Liberty Star Home Loan
4.24% p.a.
4.54% p.a.
$295.00 yearly
4.44% p.a.
4.74% p.a.
$295.00 yearly
Liberty Star Home Loan
4.44% p.a.
4.74% p.a.
$295.00 yearly
4.79% p.a.
5.08% p.a.
$295.00 yearly
Liberty Star Home Loan
4.79% p.a.
5.08% p.a.
$295.00 yearly
5.54% p.a.
5.82% p.a.
$295.00 yearly
Liberty Star Home Loan
5.54% p.a.
5.82% p.a.
$295.00 yearly
4.34% p.a.
4.64% p.a.
$295.00 yearly
Liberty Star Home Loan
4.34% p.a.
4.64% p.a.
$295.00 yearly
4.54% p.a.
4.83% p.a.
$295.00 yearly
Liberty Star Home Loan
4.54% p.a.
4.83% p.a.
$295.00 yearly
4.89% p.a.
5.18% p.a.
$295.00 yearly
Liberty Star Home Loan
4.89% p.a.
5.18% p.a.
$295.00 yearly
5.64% p.a.
5.92% p.a.
$295.00 yearly
Liberty Star Home Loan
5.64% p.a.
5.92% p.a.
$295.00 yearly
Mozo Review Liberty Star Home Loan Review
Last updated: 24 July 2018.
What's hot:
3.89% 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 3.89%, 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 3.89% (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:
- 4.09% for owner occupiers with an LVR between 60%-70%
- 4.44% for owner occupiers with an LVR between 70%-80%
- 5.19% for owner occupiers with an LVR between 80%-95%
- 4.24% for investors with an LVR under 60%
- 4.44% for investors with an LVR between 60%-70%
- 4.79% for investors with an LVR between 70%-80%
- 5.54% 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.
Details
Rates and fees information correct as at 24 September 2018.
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
-
$3,000,000
-
none
-
60.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$1,000.00
-
yes
-
yes
-
none
-
none
Details
Rates and fees information correct as at 24 September 2018.
Rates
-
4.09% p.a.
-
n/a
-
0 Months
-
none
-
4.39% 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
-
$3,000,000
-
60.00%
-
70.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$1,000.00
-
yes
-
yes
-
none
-
none
Details
Rates and fees information correct as at 24 September 2018.
Rates
-
4.44% p.a.
-
n/a
-
0 Months
-
none
-
4.74% 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
-
$3,000,000
-
70.00%
-
80.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$1,000.00
-
yes
-
yes
-
none
-
none
Details
Rates and fees information correct as at 24 September 2018.
Rates
-
5.19% 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
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
none
-
$295.00 yearly
-
$395.00
Other financial bits
-
$50,000
-
$3,000,000
-
80.00%
-
95.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$1,000.00
-
yes
-
yes
-
none
-
none
Details
Rates and fees information correct as at 24 September 2018.
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
-
$3,000,000
-
none
-
60.00%
Features
-
Owner Occupier
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$1,000.00
-
yes
-
yes
-
none
-
none
Details
Rates and fees information correct as at 24 September 2018.
Rates
-
4.19% p.a.
-
n/a
-
0 Months
-
none
-
4.49% 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
-
$3,000,000
-
60.00%
-
70.00%
Features
-
Owner Occupier
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$1,000.00
-
yes
-
yes
-
none
-
none
Details
Rates and fees information correct as at 24 September 2018.
Rates
-
4.54% p.a.
-
n/a
-
0 Months
-
none
-
4.83% 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
-
$3,000,000
-
70.00%
-
80.00%
Features
-
Owner Occupier
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$1,000.00
-
yes
-
yes
-
none
-
none
Details
Rates and fees information correct as at 24 September 2018.
Rates
-
5.29% p.a.
-
n/a
-
0 Months
-
none
-
5.57% 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
-
$3,000,000
-
80.00%
-
95.00%
Features
-
Owner Occupier
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$1,000.00
-
yes
-
yes
-
none
-
none
Details
Rates and fees information correct as at 24 September 2018.
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
-
$3,000,000
-
none
-
60.00%
Features
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$1,000.00
-
yes
-
yes
-
none
-
none
Details
Rates and fees information correct as at 24 September 2018.
Rates
-
4.44% p.a.
-
n/a
-
0 Months
-
none
-
4.74% 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
-
$3,000,000
-
60.00%
-
70.00%
Features
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$1,000.00
-
yes
-
yes
-
none
-
none
Details
Rates and fees information correct as at 24 September 2018.
Rates
-
4.79% p.a.
-
n/a
-
0 Months
-
none
-
5.08% 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
-
$3,000,000
-
70.00%
-
80.00%
Features
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$1,000.00
-
yes
-
yes
-
none
-
none
Details
Rates and fees information correct as at 24 September 2018.
Rates
-
5.54% 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
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
none
-
$295.00 yearly
-
$395.00
Other financial bits
-
$50,000
-
$3,000,000
-
80.00%
-
95.00%
Features
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$1,000.00
-
yes
-
yes
-
none
-
none
Details
Rates and fees information correct as at 24 September 2018.
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
-
$3,000,000
-
none
-
60.00%
Features
-
Investor
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$1,000.00
-
yes
-
yes
-
none
-
none
Details
Rates and fees information correct as at 24 September 2018.
Rates
-
4.54% p.a.
-
n/a
-
0 Months
-
none
-
4.83% 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
-
$3,000,000
-
60.00%
-
70.00%
Features
-
Investor
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$1,000.00
-
yes
-
yes
-
none
-
none
Details
Rates and fees information correct as at 24 September 2018.
Rates
-
4.89% p.a.
-
n/a
-
0 Months
-
none
-
5.18% 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
-
$3,000,000
-
70.00%
-
80.00%
Features
-
Investor
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$1,000.00
-
yes
-
yes
-
none
-
none
Details
Rates and fees information correct as at 24 September 2018.
Rates
-
5.64% p.a.
-
n/a
-
0 Months
-
none
-
5.92% 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
-
$3,000,000
-
80.00%
-
95.00%
Features
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Investor
-
Interest Only
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Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$1,000.00
-
yes
-
yes
-
none
-
none
Customer Reviews
How are Liberty home loans rated by the Mozo community?
Latest reviews of Liberty Star Home Loan
- Overall7/10
Convenient
Convenient.
Read full review
Convenient.
Price7/10Features7/10Customer service7/10Convenience7/10Trust8/10Less
Name not supplied | Queensland
reviewed about 5 years ago
- Overall0/10
"ask us about our excessive fees"
Liberty financial not only prey on the people that can least afford it, they are truly modern day...
Read full review
Liberty financial not only prey on the people that can least afford it, they are truly modern day loan sharks!
Price1/10Features0/10Customer service0/10Convenience0/10Trust0/10Less
Warren | Victoria
reviewed over 6 years ago
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.
