Liberty Financial
Low rate commercial loan
This product is also referred to as the Full-doc product
Business loansBank updated 24 Aug 2026
At a glance
- Variable
- 7.50%
- Loan size
- $100,000 to $10,000,000
- Upfront fee
- $2,085
- Monthly fee
- $34.50
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableHigher interest rates may apply. The actual interest rate applicable will depend on the loan to value ratio (LVR) and our assessment criteria including the level of income verification supplied. | P&I | — | — | 7.50% | — | — |
§ 02 — Fees · 9
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Deferred facility fee | Exit | 1.00% of balance | — | Deferred Facility fee is calculated 1% of the loan amount and is only payable if the loan is repaid before the earlier of the end of the term or the third anniversary of settlement. |
| Discharge fee | Exit | $795 | — | Discharge fee of $795 plus legal fees and government charges are due upon loan finalisation. |
| Establishment Fee | Other | 1.00% of balance | — | Establishment fee is 1.00% of the loan amount and has a minimum fee of $2,500 depending on assessment criteria. Fee can be capitalised, paid upfront or from settlement proceeds. |
| Valuation fee | Other | Varies | — | Valuation fee covers the cost of a bank valuation on every security. Fee can be capitalised, paid upfront or from settlement proceeds. |
| Service fee | Periodic | $34.50 | Every 1 mo | Service fee $34.50 per month |
| Redraw fee | Transaction | $85 | — | Minimum redraw amount $5,000. |
| Application fee | Upfront | $795 | — | Application fee of $1,045 may apply depending on assessment criteria. Fee can be capitalised, paid upfront or from settlement proceeds. |
| Documentation fee | Upfront | $695 | — | Fee is deducted from loan amount. |
| Settlement fee | Upfront | $595 | — | Fee can be capitalised, paid upfront or from settlement proceeds. |
§ 03 — Features
Redraw
- · Available for both owner occupier & investor borrowers
- · Repay weekly, fortnightly, monthly
- · Loans with an Interest Only period are subject to a 0.50% interest rate loading.
- · Principal and interest repayments available
§ 04 — Eligibility & limits
- · Residency: Australian or New Zealand citizen/resident
- · Available to individuals
- · Available to businesses
- · Amount $100,000 to $10,000,000
- · Maximum LVR 80%
- · Maximum loan term Up to 30 years
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Liberty Financial under the Consumer Data Right, last changed by them on 24 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.