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 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 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 85%
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 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 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 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 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 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 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 85%
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%-75% | $50,000 | $3,000,000 |
| | Owner Occupier | Principal & Interest | < 65% | $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 | 80%-85% | $50,000 | $3,000,000 |
| | Owner Occupier | Principal & Interest | 85%-90% | $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 | 90%-95% | $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 | Interest Only | 65%-75% | $50,000 | $3,000,000 |
| | Investor | Interest Only | < 65% | $50,000 | $3,000,000 |
| | Investor | Interest Only | 75%-80% | $50,000 | $3,000,000 |
| | Investor | Interest Only | 80%-85% | $50,000 | $3,000,000 |
Owner Occupier (Principal & Interest)
LVR 65%-75%
Loan: $50,000 $3,000,000
Owner Occupier (Principal & Interest)
LVR < 65%
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 80%-85%
Loan: $50,000 $3,000,000
Owner Occupier (Principal & Interest)
LVR 85%-90%
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 90%-95%
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 (Interest Only)
LVR 65%-75%
Loan: $50,000 $3,000,000
Investor (Interest Only)
LVR < 65%
Loan: $50,000 $3,000,000
Investor (Interest Only)
LVR 75%-80%
Loan: $50,000 $3,000,000
Investor (Interest Only)
LVR 80%-85%
Loan: $50,000 $3,000,000
With low rates starting from 2.74% (3.07% comparison rate*), no upfront fees and a great range of flexible features like an extra repayments facility, interest only option (0.10% rate loading applies) and an offset account, this offering from Liberty is sure to be appreciated by owner occupiers and investors alike.
The Liberty Star Home Loan is available to both owner occupiers and investors and offers enticing rates starting from just 2.74% (3.07% comparison rate*) for owner occupier borrowers with an LVR under 65% (i.e. you need a deposit of more than 35%).
There are a few different rate tiers that apply to this loan, depending 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. 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.
Perfect for any owner occupier or investor looking for a low rate home loan free of any hefty upfront fees and with a great amount of flexibility too.
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.
2.94% 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
$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
$50.00
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.
2.74% p.a.
n/a
n/a
n/a
3.07% 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
none
65.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$50.00
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.
3.34% 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
$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
$50.00
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.
4.74% p.a.
n/a
n/a
n/a
5.03% 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
$50.00
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.
3.69% p.a.
n/a
n/a
n/a
4.00% 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
$50.00
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.
4.29% p.a.
n/a
n/a
n/a
4.59% 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
$50.00
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.
3.29% p.a.
n/a
n/a
n/a
3.61% 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
$50.00
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.
3.09% p.a.
n/a
n/a
n/a
3.41% 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
none
65.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$50.00
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.
3.69% p.a.
n/a
n/a
n/a
4.00% 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
$50.00
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.
5.09% p.a.
n/a
n/a
n/a
5.38% 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
$50.00
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.
4.04% p.a.
n/a
n/a
n/a
4.34% 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
$50.00
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
85.00%
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$50.00
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.
3.99% p.a.
n/a
n/a
n/a
4.29% 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
$50.00
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.
3.84% p.a.
n/a
n/a
n/a
4.15% 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
$50.00
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.
4.39% p.a.
n/a
n/a
n/a
4.69% 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
$50.00
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.
4.74% p.a.
n/a
n/a
n/a
5.03% 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
$50.00
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.
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.
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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1.98% p.a.
fixed 3 years
3.56% p.a.
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1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Newcastle Permanent
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1.98% p.a.
fixed 3 years
3.56% p.a.
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1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
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1.79% p.a.
1.84% p.a.
Yard
Variable Home Loan Special
2.09% p.a.
2.12% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
1.98% p.a.
fixed 3 years
3.56% p.a.
Homestar
Star Classic Fixed Home Loan
n/a
n/a
People's Choice Credit Union
Fixed Rate Home Loan (Package)
1.89% p.a.
fixed 3 years
3.03% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
$0.00
Homestar
Star Gold Home Loan
1.79% p.a.
1.84% 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.
