---
title: "Debt consolidation home loan — Liberty Financial"
description: "Home Loans from Liberty Financial. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/liberty-financial/products/690e034e-a1c5-4aea-ba09-830b86a129b6
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-09T00:00:00Z
---

# Debt consolidation home loan — Liberty Financial

> Home Loans from Liberty Financial. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

This product is also referred to as the Liberty Star home loan.

## At a glance

- **From:** 6.84% (7.11% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio.) | 6.84% | 7.11% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application fee — Other fees, charges and commissions may apply. | Upfront | $0.00 – $995.00 |
| Valuation fee — Additional valuation expenses may be payable where the anticipated security property value is >$1.5m, where the security property is in a regional location or for additional securities. | Upfront | From $0.00 |
| Annual fee — Charged yearly · Payable on group loans only | Ongoing | $295.00 |
| Manual redraw fee | Transaction | $50.00 |
| Professional investor & Company/Trust fee — Application fee and interest rate loadings apply for company/trust or professional investor applicants with >=4 properties. | Upfront | $995.00 |
| Discharge fee | Exit | $395.00 |

## Features

- **Offset account** (100% offset facility with Visa Debit card. Any available redraw funds held in the offset facility connected with your loan account will be used to reduce the amount of interest you pay on your loan.)
- **Redraw facility** (Free online redraw)
- **Bill payment (BPAY)** — BPAY (BPAY payment facility available)
- **Extra repayments** (Additional repayments allowed)
- **Transfer funds to third party accounts** — Third party account transfers
- **Available for both owner-occupiers and investors** — Owner occupied borrowers
- **Available for both owner-occupiers and investors** — Investors
- **$495 fee applies for loans with more than 4 splits.** — Split loans
- **Standard repayment option covering both principal and interest** — Principal and interest
- **Interest Only loans are subject to LVR restrictions and interest rates are higher than the advertised interest rates.** — Interest only
- **Repay weekly, fortnightly, monthly** — Flexible repayment frequency

## Eligibility

- **Individuals only** — Individuals
- **Residency status** — Australian citizen/resident (At least one applicant must reside in Australia)
- **Business customers** — Non-individual borrowers (Corporate trustees for family trusts)
- **Employment status** — Self-employed & PAYG (Self-employed & PAYG applicants accepted)
- **Professional Investors accepted** — Professional Investor

## Constraints

- **Maximum LVR** — 90% (Borrow up to 90% of property value. Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio.)
- **Maximum limit** — $10,000,000.00 (Subject to LVR and postcode restrictions.)
- **Minimum limit** — $50,000.00 (Minimum loan amount of $50,000)
- **Loan terms >30 years are subject to an interest rate loading of 0.25%. Lending criteria applies.** — 10-40 years

## More information from Liberty Financial

- [Overview](https://liberty.com.au/home-loans/debt-consolidation-home-loans)

## Data provenance

- Published by Liberty Financial under the Consumer Data Right
- Product ID: `690e034e-a1c5-4aea-ba09-830b86a129b6`
- Last updated by the provider: 9 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/liberty-financial/690e034e-a1c5-4aea-ba09-830b86a129b6
- Provider page: https://www.cdrcompare.au/brands/liberty-financial
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000425

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/liberty-financial/products/690e034e-a1c5-4aea-ba09-830b86a129b6) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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