Star Star (Risk Grade AA) LVR 85.01-90% (Owner Occupied)
7.24%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 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
- Non Conforming
- 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 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.
- Ongoing Monthly
Fees associated with prematurely ending the loan.
- Early Repayment
- Switch To Fixed
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 via direct debit only. Full verification of income from payslips, payment summaries and/or tax returns required. Security must be a standard residential property for owner-occupied or investment purposes. Vacant land can be considered as secondary security. Security must be zoned in residential or rural residential. Unlimited debt consolidation up to 90% LVR. LMI may be sought prior to formal approval for all loans however where LVR is >80% LMI will be required. Redraw and split accounts available (fees apply). Interest only option available on all risk grades with LVRs up to and including 90%.
LMI may be sought prior to formal approval for all loans however where LVR is >80% LMI will be required.All loan sizes will be considered on a case by case basis, refer to product notes for max loan amounts per security based on various LVRs. Equalisation Fee Applies (refer Other Fee Notes)
Non-genuine savings: >85% LVR subject to postcode eligibility.
Minimum $330 Valuation fee payable prior to valuation being ordered. Loan Split Fee: $495 payable upon settlement covering each additional loan split. Title Protection Fee: $349 payable once per security ($14 Equalisation Fee A one time fee that applies to custom loans and can be added to the loan to exceed the maximum LVR(0.50% to 4.00% depending on LVR). Please refer to your BDM