Sharp Prime AAA Sharp Prime AAA LVR <95% (Owner Occupied)
4.99%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 95% 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, and Vacant Land in NSW, NT, QLD, SA, WA, VIC, TAS, and ACT.
- 10 - 30 years
The level of financial documentaion and credit history required to apply for the loan.
- Full Doc
- Credit History
- Genuine Saving
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 repayments Fortnightly, Monthly, and Weekly.
- Interest Only Option
- Max Interest Only
- 0 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
MAXIMUM LOAN AMOUNT OF $2M ONLY AVAILABLE FOR LVR UP TO 50%. Available where at least one applicant has been self-employed for the last 2 years. Resident individuals, companies and trusts are acceptable borrowers. Repayment types of monthly, fortnightly or weekly via direct debit only. BAS Statements (ATO) lodged and personal bank statements to be verified. Security must be a standard residential property for owner-occupied or investment purposes. Vacant land allowed. Security must be zoned in residential or rural residential. LMI may be sought prior to formal approval for all loans however where LVR is >60% LMI will be required. Redraw and split accounts available (fees apply)
Lenders Mortgage Protection (LMP) replaces LMI. May be sought prior to Formal Approval for all loans. LMP required for full doc above 80%. LMP can be capitalised to the loan. Refer to Liberty Prime Introducer Guide for LMP fees schedule.
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.