Free Free (Prime) - LVR <80% (Owner Occupied)
4.49%p.a Standard Variable
About Liberty Financial
Repayments calculated to take into account ongoing monthly and anual fees.
- Monthly repayment*
- rate per annum
Loan to Value Ratio
Borrow up to the maxium of 80% of the value of the property.
Lenders Mortgage Insurance, or LMI, will be payable on most loans where the borrowings are greater than 80% of the value of the property.
However, you may be able to capitalise LMI into your loan, increasing the overall loan amount by about 2% (in order to cover the cost of the insurance). Contact a loan market broker to find out how LVR and LMI might impact the cost of your loan repayments.
- Capitalise LMI
For ["Equity", "Owner Occupied", "Vacant Land"], in ["NSW", "NT", "QLD", "SA", "WA", "VIC", "TAS", "ACT"].
- 10 - 30 years
The level of financial documentaion and credit history required to apply for the loan.
- Full Doc
- Credit History
- Genuine Saving
- Not Required
Save on interest repayments by holding spare cash in an offset account.
- Offset account
Get quick access to cash by drawing on the loan to pay for renovations or other purchases.
- Redraw Facility
- Min Redraw
- Redraw fee
Given the wide range of loans on offer – with different interest rates, product features and fees – it pays to shop around to find the loan that fits your needs and circumstances. Some loans offer features that may be appropriate for your situation and result in savings over the life of the loan.
Some features you may wish to consider include:
- an offset account;
- ability to make extra repayments;
- a redraw facility; and
- linked credit card and savings accounts;
- ability to split your loan between fixed and variable interest rates
- Offset Account
- Redraw Available
- Credit Card
- Internet Banking
- Telephone Banking
- BPay Option
- Portability of Loan
- Professional Pack
- Check Account
- Direct Salary Credit
- Free Transactions
- Minimum Redraw
- Redraw Fee
You can make your repaments Fortnightly, Monthly, and Weekly.
- Interest Only Option
- Max Interest Only
- 5 years
Upfront fess associated with estabilishing the loan. Other loan set-up fees, such as valuation fees and lender's mortgage insurance, and Government charges, such as registration fees and stamp duty on property transfer, have not been included. These will be determined after application.
Monthly and annual fees and charges during the loan period.
Fees associated with prematurely ending the loan.
- Early Repayment
- Switch To Fixed
PLEASE NOTE: MAXIMUM LOAN AMOUNT WITH 1 SECURITY IS $1M. FOR >1 SECURITY MAX LOAN AMOUNT IS $2.5M (GROUP EXPOSURE FOR LOANS GREATER THAN $1.5M PRICING IS SUBJECT TO CHANGE, WITH A $1,000 PROCESSSING FEE PAYABLE UPFRONT NON REFUNDABLE). Interest Only: attracts a 0.10% interest rate loading to the applicable I.O. period. Designed to suit a broad range of applicants including PAYG and self-employed. Acceptable borrowers: Resident individuals, companies and trusts are acceptable borrowers. Repayment types: monthly, fortnightly, or weekly. Repayment method is direct debit only. Full verification of income from 2 payslips, payment summaries and/or tax returns required. Security: Owner-occupied & Investment (subject to postcode). Vacant land allowed. Security must be zoned residential or rural residential. Unlimited debt consolidation up to 90% LVR. Interest Only option up to 3 years (fixed) 5 years (variable). Unlimited split loans. 100% Offset account available. Gateway online account access available. Unlimited redraws. Top-up available. 90 Day pre-approvals. Repayment Holiday available. Up to $330 (incl GST) waived for the first security on all prime loans excluding those with an LVR >=90%, otherwise payable before the valuation is ordered. Additional expenses may be payable in the instance of >$750k, regional or additional securities. Credit card authorisation for $330 must be provided prior to valuation being ordered, and becomes payable if the application is withdrawn or declined.
LMI may be sought prior to formal approval for all loans.
Genuine Savings not required however LMI may be sought prior to formal approval .Non Genuine savings required for LVR more than 85% subject to postcode eligibility.
Val fee of $330 applies to applications >90% only. In the event of a settled loan, Liberty will cover the valuation fee up to $330. A minimum $330 Credit Card Authorisation fee is payable prior to valuation being ordered - this will only be debited if the loan does not proceed. Additional valuation expenses payable by the borrower where the security value is $750k+ or a regional location ),Search, Split, Title Protection & Document Preparation Fees.