Liberty Financial
Flexible investment loan
Flexible investment loans
Home loansBank updated 15 May 2026
At a glance
- Variable (investor P&I)
- 6.94%
- Max LVR
- 95%
- Annual fee
- $295
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableFrom 6.94% p.a. Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. From 7.21% p.a. Comparison rates are based on… | Investment · P&I | — | — | 6.94% | 7.21% | — |
§ 02 — Fees · 8
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Discharge fee | Exit | $395 | — | — |
| Annual fee | Periodic | $295 | Every 1 yr | Ongoing annual fee $295 |
| Manual redraw fee | Transaction | $50 | — | — |
| Application fee | Upfront | No fee | — | Other fees, charges and commissions may apply. |
| Fixed rate lock fee | Upfront | $900 | — | Rate Lock option available at $900 (non refundable) to lock the fixed rate for 90 days from date of payment (must be before formal approval). |
| Professional investor fee | Upfront | $995 | — | Application fee and interest rate loadings apply for company/trust or professional investor applicants with ≥4 properties. |
| Settlement fee | Upfront | No fee | — | Other fees, charges and commissions may apply. |
| Valuation fee | Upfront | No fee | — | Valuation fee not applicable for loans under 90% LVR. Additional valuation expenses may be payable where the anticipated security property value is >1.5m, where the security property is in a regional… |
§ 03 — Features
Offset accountRedrawExtra repayments
- · Application fee and interest rate loadings apply for company/trust or professional investor applicants with ≥4 properties.
- · Transfer funds to third party accounts
- · Unlimited Splits. $0 for loans with ≤ 4 splits. Additional fee of $495 applies for loans with > 4 splits.
- · Standard repayment option covering both principal and interest
- · Interest Only loans are subject to LVR restrictions and interest rates are higher than advertised interest rate. For further information on this product contact us on 13 11 33.
- · Repay weekly, fortnightly, monthly
- · Fixed rates available on request. Offset, redraw, BPAY and third party account transfers not available on fixed rate products.
- · Rate Lock option available at $900 (non refundable) to lock the fixed rate for 90 days from date of payment (must be before formal approval).
§ 04 — Eligibility & limits
- · Residency: Australian citizen/resident
- · Employment: Self-employed & PAYG
- · Available to individuals
- · Available to businesses
- · Amount $50,000 to $10,000,000
- · Maximum LVR 95%
- · Loan terms >30 years are subject to an interest rate loading of 0.25%. Lending criteria applies.
§ 05 — Compare
§ 06 — Run the numbers
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Published by Liberty Financial under the Consumer Data Right, last changed by them on 15 May 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.