Free Free (Prime) - LVR <90% (Owner Occupied)

  • 5.24%
    p.a Standard Variable
  • 5.24%
    p.a Comparison**
  • $0
    Upfront fees
  • $0
    Annual fees
  • 90%
    Max Lvr
  • $2,095
    Per Month*

About Liberty Financial

In 1997, Liberty pioneered specialty finance in Australia and New Zealand by offering flexible solutions that required personalised attention that was not available from other financial institutions at the time. Liberty made home ownership possible when the banks said it wasn’t possible. Their innovative and flexible approach has allowed over 140,000 customers to secure loans by advancing over $12 billion in funds. Liberty continue to provide a wide range of home loans, as well as car and business loans. Liberty is an industry award-winning lender that are a strong alternative to regular banks, always offering alternative, innovative solutions at competitive prices to support customers with greater choice and freedom.

Standard Variable

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 90% 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 ["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

Redraw Facility

Get quick access to cash by drawing on the loan to pay for renovations or other purchases.

Redraw Facility
Min Redraw
Redraw fee

Banking Features

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 Fees

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.


Ongoing Fees

Monthly and annual fees and charges during the loan period.


Exit Fees

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). Designed to suit a broad range of applicants including PAYG and self-employed. Resident individuals, companies and trusts are acceptable borrowers. Repayment types of monthly, fortnightly, or weekly. Repayment method is direct debit only. Full verification of income from payslips, payment summaries and/or tax returns required. Vacant land allowed. Security must be zoned residential or rural residential. Unlimited debt consolidation up to 90% LVR. Interest Only option up to 5 Years. 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.

LVR Notes

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.

Fee Notes

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. Valuation expenses may be payable in the instance of $750k, regional location or for additiona

*Monthly Repayments

Monthly repayments are calculated to take into account the loan amount, repayment term and ongoing fees and charges over the life of the loan.

  • Variable rate loans show the monthly repayments at the current rate.
  • Fixed rate loans show the monthly repayment during the fixed period only.
  • Monthly repayment calculations are an approximate guide only. Speak to a LoanMarket Mortgage broker to understand the exact cost of a loan given your particular circumstances.

**Comparison Rates

A comparison rate is a tool to help consumers identify the true cost of a loan. It factors in the interest rate, loan amount, repayment term and ongoing fees and charges and displays this as a single percentage rate that can be used to compare various loans from different lenders.

Monthly Repayment and Comparison Rate* calculations do not include:

  • The use of account features such as early repayments and offset accounts which vary widely among loans and can reduce the cost of a loan significantly.
  • Cost savings such as fee waivers or special rate discounts.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees
  • Lenders Mortgage Insurance (LMI) which may be required to secure the loan and can increase the cost of the loan.
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided