--- title: "Flexible investment 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/712fd94c-946a-4ceb-8ef0-c76def48afb4 source: "CDR Compare" language: en-AU last_updated: 2026-05-15T00:00:00Z --- # Flexible investment 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** Flexible investment loans ## At a glance - **From (investment):** 6.94% (7.21% comparison) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (From 6.94% p.a. Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. From 7.21% p.a. Comparison rates are based on a secured $150,000 loan over a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.) | 6.94% | 7.21% | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Application fee — Other fees, charges and commissions may apply. | Upfront | $0.00 | | Valuation fee — Valuation fee not applicable for loans under 90% LVR. 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 | $0.00 | | Settlement fee — Other fees, charges and commissions may apply. | Upfront | $0.00 | | Annual fee — Charged yearly · Ongoing annual fee $295 | Ongoing | $295.00 | | Manual redraw fee | Transaction | $50.00 | | Discharge fee | Exit | $395.00 | | Professional investor fee — Application fee and interest rate loadings apply for company/trust or professional investor applicants with ≥4 properties. | Upfront | $995.00 | | Fixed rate lock fee — Rate Lock option available at $900 (non refundable) to lock the fixed rate for 90 days from date of payment (must be before formal approval). | Upfront | $900.00 | ## 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. Liberty is not a bank. The offset facility on your loan account is not covered by any Government guarantee. International transaction fees apply on purchases or cash advances while overseas or in Australia when the merchant processing the transaction is located overseas. ATM fees apply for a cash withdrawal at a non major bank ATM or rediATM in Australia.) - **Redraw facility** — Free online redraw (Redraw facility allows you to access extra repayments made) - **Bill payment (BPAY)** — BPAY (BPAY payment facility available) - **Application fee and interest rate loadings apply for company/trust or professional investor applicants with ≥4 properties.** — Professional investor - **Extra repayments** — Additional repayments (Additional repayments allowed) - **Transfer funds to third party accounts** — Third party account transfers - **Unlimited Splits. $0 for loans with ≤ 4 splits. Additional fee of $495 applies for loans with > 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 advertised interest rate. For further information on this product contact us on 13 11 33.** — Interest only - **Repay weekly, fortnightly, monthly** — Flexible repayment frequency - **Fixed rates available on request. Offset, redraw, BPAY and third party account transfers not available on fixed rate products.** — Fixed rate options - **Rate Lock option available at $900 (non refundable) to lock the fixed rate for 90 days from date of payment (must be before formal approval).** — Rate lock options ## 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) ## Constraints - **Maximum LVR** — 95% (Borrow up to 95% of purchase price. Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. Please call 13 11 33 or speak to your local Liberty Adviser for more details.) - **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/flexible-investment-loans) ## Data provenance - Published by Liberty Financial under the Consumer Data Right - Product ID: `712fd94c-946a-4ceb-8ef0-c76def48afb4` - Last updated by the provider: 15 May 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/liberty-financial/712fd94c-946a-4ceb-8ef0-c76def48afb4 - 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/712fd94c-946a-4ceb-8ef0-c76def48afb4) — 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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