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

  • 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
  • Investor

  • Interest Only

  • 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?

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

Latest reviews of Liberty Star Home Loan

  • Overall
    7/10
    Convenient

    Convenient.

    Convenient.

    Price
    7/10
    Features
    7/10
    Customer service
    7/10
    Convenience
    7/10
    Trust
    8/10

    Name not supplied | Queensland

    reviewed about 5 years ago

  • Overall
    0/10
    "ask us about our excessive fees"

    Liberty financial not only prey on the people that can least afford it, they are truly modern day...

    Liberty financial not only prey on the people that can least afford it, they are truly modern day loan sharks!

    Price
    1/10
    Features
    0/10
    Customer service
    0/10
    Convenience
    0/10
    Trust
    0/10

    Warren | Victoria

    reviewed over 6 years ago

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.

See Liberty home loans

*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.