Liberty FinancialAustralian Government 5% Deposit Scheme
This product is also referred to as the Liberty Star home loan.
At a glance
- Variable (owner occ. P&I)
- 7.34%7.61% comparison
- Max LVR
- 98%
- Annual fee
- $295
- Features
- offset, 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 | 7.34% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 99th lowest of 104, level with 2 others |
Rates
The one rate Liberty Financial publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Owner occupied, P&I | - | - | 7.34% | 7.61% | - |
Fees
7 fees published, grouped by when they're charged.
- When you take it outUp to $9004 fees, each listed below
- While you hold it$295 a yearAnnual fee
- When you close it or pay it off$395Discharge fee
When you take it out4
- Application fee
Other fees, charges and commissions may apply.
$0 to $995 - Fixed rate lock fee
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).
$900 - Settlement fee
Other fees, charges and commissions may apply.
No fee - Valuation 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…
From $0
While you hold it1
- Annual fee
Ongoing annual fee $295
$295 a year
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
- 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).
Eligibility and limits
- Residency: Australian citizen/resident
- Employment: Self-employed & PAYG
- Available to individuals
- Amount $50,000 to $10,000,000
- Maximum LVR 98%
- 30 years
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.