Liberty FinancialFresh start home loan
This product is also referred to as the Liberty Star home loan.
At a glance
- Variable (owner occ. P&I)
- 7.39%7.73% comparison
- Max LVR
- 95%
- Annual fee
- $180
- Features
- redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 7.39% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 101st lowest of 104 |
Rates
The one rate Liberty Financial publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableHigher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. | Owner occupied, P&I | - | - | 7.39% | 7.73% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 10 Oct 2026 | Variable, Owner occupied, P&I | 7.14% | 7.39% | up 0.25 |
Each change is logged the night it appears in the rates Liberty Financial publishes. See how every lender answered the RBA on the rate tracker.
Fees
7 fees published, grouped by when they're charged.
- When you take it outVaries4 fees, each listed below
- While you hold it$15 a monthOngoing fee
- When you close it or pay it off$395Discharge fee
When you take it out4
- Application fee$0 to $995
- Equalisation fee
Starting from 0.5%
0.50% of balance - Settlement fee
Other fees, charges and commissions may apply.
No fee - Valuation fee
Additional valuation expenses may be payable where the anticipated security property value is >$1.5m, where the security property is in a regional location or for additional securities.
From $0
While you hold it1
- Ongoing fee
Ongoing fee $15 per month
$15 a month
When you make a transaction1
- Manual redraw fee$50
When you close it or pay it off1
- Discharge fee$395
Features
- Transfer funds to third party accounts
- $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.
- Repay weekly, fortnightly, monthly
- Loan can be used for unlimited debt consolidation
- Paid and unpaid defaults considered
- Mortgage arrears considered
- Past bankruptcy considered
Eligibility and 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.
Compare it with others
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Published by Liberty Financial under the Consumer Data Right, last changed by them on 9 Oct 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.