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 65%
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 75%
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 principal & interest loan between $50,000 and $3,000,000 with an LVR below 90%
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 85%
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 75%
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 65%
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 85%
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 90%
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 65%
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 75%
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 85%
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%
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% | $50,000 | $3,000,000 |
|
|
Owner Occupier | Principal & Interest | 65%-75% | $50,000 | $3,000,000 |
|
|
Owner Occupier | Principal & Interest | 75%-80% | $50,000 | $3,000,000 |
|
|
Owner Occupier | Principal & Interest | 90%-95% | $50,000 | $3,000,000 |
|
|
Owner Occupier | Principal & Interest | 85%-90% | $50,000 | $3,000,000 |
|
|
Owner Occupier | Principal & Interest | 80%-85% | $50,000 | $3,000,000 |
|
|
Investor | Principal & Interest | 65%-75% | $50,000 | $3,000,000 |
|
|
Investor | Principal & Interest | < 65% | $50,000 | $3,000,000 |
|
|
Investor | Principal & Interest | 75%-80% | $50,000 | $3,000,000 |
|
|
Investor | Principal & Interest | 80%-85% | $50,000 | $3,000,000 |
|
|
Investor | Principal & Interest | 85%-90% | $50,000 | $3,000,000 |
|
|
Investor | Principal & Interest | 90%-95% | $50,000 | $3,000,000 |
|
|
Investor | Interest Only | < 65% | $50,000 | $3,000,000 |
|
|
Investor | Interest Only | 65%-75% | $50,000 | $3,000,000 |
|
|
Investor | Interest Only | 80%-85% | $50,000 | $3,000,000 |
|
|
Investor | Interest Only | 75%-80% | $50,000 | $3,000,000 |
Owner Occupier (Principal & Interest)
LVR < 65%
Loan: $50,000 $3,000,000
Owner Occupier (Principal & Interest)
LVR 65%-75%
Loan: $50,000 $3,000,000
Owner Occupier (Principal & Interest)
LVR 75%-80%
Loan: $50,000 $3,000,000
Owner Occupier (Principal & Interest)
LVR 90%-95%
Loan: $50,000 $3,000,000
Owner Occupier (Principal & Interest)
LVR 85%-90%
Loan: $50,000 $3,000,000
Owner Occupier (Principal & Interest)
LVR 80%-85%
Loan: $50,000 $3,000,000
Investor (Principal & Interest)
LVR 65%-75%
Loan: $50,000 $3,000,000
Investor (Principal & Interest)
LVR < 65%
Loan: $50,000 $3,000,000
Investor (Principal & Interest)
LVR 75%-80%
Loan: $50,000 $3,000,000
Investor (Principal & Interest)
LVR 80%-85%
Loan: $50,000 $3,000,000
Investor (Principal & Interest)
LVR 85%-90%
Loan: $50,000 $3,000,000
Investor (Principal & Interest)
LVR 90%-95%
Loan: $50,000 $3,000,000
Investor (Interest Only)
LVR < 65%
Loan: $50,000 $3,000,000
Investor (Interest Only)
LVR 65%-75%
Loan: $50,000 $3,000,000
Investor (Interest Only)
LVR 80%-85%
Loan: $50,000 $3,000,000
Investor (Interest Only)
LVR 75%-80%
Loan: $50,000 $3,000,000
With rates starting from 4.44% p.a. (4.74% p.a. comparison rate*), no upfront fees and a great range of features like extra repayments, a redraw facility and an offset account, this offering from Liberty is sure to be appreciated by owner occupiers and investors in search of flexibility with their loan.
The Star Home Loan from Liberty is available to both owner occupiers and investors and offers rates starting from 4.44% p.a. (4.74% p.a. comparison rate*) for owner occupier borrowers with a loan-to-value ratio (LVR) under 65% (i.e. you need a deposit of 35% or a decent amount of equity).
There are a few different rate tiers that apply to this loan though which depend on what type of borrower you are and your LVR. But no matter your LVR, loan amounts are available between $50,000 and $3,000,000.
On top of relatively competitive rates 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 repayments 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.
This loan could be suited to owner occupiers or investors looking for a home loan with relatively competitive rates and a fair amount of flexibility.
While there are no upfront fees to worry about, you'll need to budget for a $295 annual service fee. Plus there's also there a $395 discharge fee.
|
4.44% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.74% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$295.00 yearly |
|
|
$395.00 |
|
$50,000 |
|
|
$3,000,000 |
|
|
none |
|
|
65.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
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 |
|
|
4.93% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$295.00 yearly |
|
|
$395.00 |
|
$50,000 |
|
|
$3,000,000 |
|
|
65.00% |
|
|
75.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
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.
|
5.04% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.33% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$295.00 yearly |
|
|
$395.00 |
|
$50,000 |
|
|
$3,000,000 |
|
|
75.00% |
|
|
80.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
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.
|
6.49% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.76% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$295.00 yearly |
|
|
$395.00 |
|
$50,000 |
|
|
$3,000,000 |
|
|
90.00% |
|
|
95.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
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.
|
6.04% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.31% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$295.00 yearly |
|
|
$395.00 |
|
$50,000 |
|
|
$3,000,000 |
|
|
85.00% |
|
|
90.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
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.
|
5.44% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.72% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$295.00 yearly |
|
|
$395.00 |
|
$50,000 |
|
|
$3,000,000 |
|
|
80.00% |
|
|
85.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
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 |
|
|
5.28% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$295.00 yearly |
|
|
$395.00 |
|
$50,000 |
|
|
$3,000,000 |
|
|
65.00% |
|
|
75.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
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.
|
4.79% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.08% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$295.00 yearly |
|
|
$395.00 |
|
$50,000 |
|
|
$3,000,000 |
|
|
none |
|
|
65.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
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.
|
5.39% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.67% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$295.00 yearly |
|
|
$395.00 |
|
$50,000 |
|
|
$3,000,000 |
|
|
75.00% |
|
|
80.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
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.
|
5.79% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.07% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$295.00 yearly |
|
|
$395.00 |
|
$50,000 |
|
|
$3,000,000 |
|
|
80.00% |
|
|
85.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
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.
|
6.39% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.66% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$295.00 yearly |
|
|
$395.00 |
|
$50,000 |
|
|
$3,000,000 |
|
|
85.00% |
|
|
90.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
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.
|
6.84% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
7.10% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$295.00 yearly |
|
|
$395.00 |
|
$50,000 |
|
|
$3,000,000 |
|
|
90.00% |
|
|
95.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
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.
|
5.59% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.87% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$295.00 yearly |
|
|
$395.00 |
|
$50,000 |
|
|
$3,000,000 |
|
|
none |
|
|
65.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
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.
|
5.74% 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 |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$295.00 yearly |
|
|
$395.00 |
|
$50,000 |
|
|
$3,000,000 |
|
|
65.00% |
|
|
75.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
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.
|
6.49% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.76% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$295.00 yearly |
|
|
$395.00 |
|
$50,000 |
|
|
$3,000,000 |
|
|
80.00% |
|
|
85.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
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.
|
6.14% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.41% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$295.00 yearly |
|
|
$395.00 |
|
$50,000 |
|
|
$3,000,000 |
|
|
75.00% |
|
|
80.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
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.
So they will give you a chance when other banks won't, they are good at working with if you have financial hardship and staff are friendly. Now for the bad, I purchased a property. I had to push back settlement twice because of the bank not being organised. I then sold a property that I loaned against, so they had to release it which was a nightmare. They were supposed to take a percentage but ended up taking the full amount, which I didn't find out about until settlement day. Despite calling multiple times, they didn't allow for settlement fees, so it couldn't settle that day. Anyway got pushed back twice, they had my lawyers details so no excuse for not knowing rates adjustment and other fees. I had even filled out a form to give permission for them to contact my lawyer directly. Anyway settlement got pushed back twice again, my lawyer was pretty horrified with the way I was treated, and the lack of professionalism.
Read full reviewSo they will give you a chance when other banks won't, they are good at working with if you have financial hardship and staff are friendly. Now for the bad, I purchased a property. I had to push back settlement twice because of the bank not being organised. I then sold a property that I loaned against, so they had to release it which was a nightmare. They were supposed to take a percentage but ended up taking the full amount, which I didn't find out about until settlement day. Despite calling multiple times, they didn't allow for settlement fees, so it couldn't settle that day. Anyway got pushed back twice, they had my lawyers details so no excuse for not knowing rates adjustment and other fees. I had even filled out a form to give permission for them to contact my lawyer directly. Anyway settlement got pushed back twice again, my lawyer was pretty horrified with the way I was treated, and the lack of professionalism.
Liberty came through for me when other banks did not. They have been really good whenever I’ve asked for a rate decrease in line with the RBA.
Read full reviewLiberty came through for me when other banks did not. They have been really good whenever I’ve asked for a rate decrease in line with the RBA.
Excellent product, great rate, very helpful team, convenient offset, only slight negative is taking funds out from Offset is slightly cumbersome and restrictive.
Read full reviewExcellent product, great rate, very helpful team, convenient offset, only slight negative is taking funds out from Offset is slightly cumbersome and restrictive.
Do yourselves a favour and stay away from Liberty. I have a SMSF home loan and am still paying 6% interest rate. They have not passed on anything in the last 4 rate cuts, they are shameless and refuse to pass on anything.
Read full reviewDo yourselves a favour and stay away from Liberty. I have a SMSF home loan and am still paying 6% interest rate. They have not passed on anything in the last 4 rate cuts, they are shameless and refuse to pass on anything.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.74% p.a.variable for 12 months and then 4.23% p.a. variable
4.22% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% p.a.
$0.00
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.
