---
title: "Low doc 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/7a0122b1-3f9c-4872-87c9-50e886aeff3b
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-09T00:00:00Z
---

# Low doc 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 Nova home loan.

## At a glance

- **From (owner occupied):** 7.24% (7.51% 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.) | 7.24% | 7.51% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application fee — Other fees, charges and commissions may apply. | Upfront | $0.00 – $995.00 |
| 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 | From $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 |
| Online redraw fee | Transaction | $0.00 |
| Manual redraw fee | Transaction | $50.00 |
| Discharge fee | Exit | $395.00 |

## Features

- **Bill payment (BPAY)** — BPAY (BPAY payment facility available)
- **Redraw facility** (Free online redraw)
- **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.)
- **Extra repayments** (Additional repayments allowed)
- **Transfer funds to third party accounts** — Third party account transfers
- **$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.** — Interest only
- **Repay weekly, fortnightly, monthly** — Flexible repayment frequency options
- **Subject to LVR restrictions. Not all features listed may be available. Additional fees and charges may apply.** — Cash for working capital
- **Subject to LVR restrictions. Not all features listed may be available. Additional fees and charges may apply.** — Debt consolidation
- **Subject to LVR restrictions. Not all features listed may be available. Additional fees and charges may apply.** — Credit impairment

## 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. Start-up or established business)
- **Employment status** — Self-employed (At least one applicant must be self-employed)

## Constraints

- **Maximum LVR** — 85% (Borrow up to 85% 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.)
- **Maximum limit** — $8,000,000.00 (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/low-doc-home-loans)

## Data provenance

- Published by Liberty Financial under the Consumer Data Right
- Product ID: `7a0122b1-3f9c-4872-87c9-50e886aeff3b`
- Last updated by the provider: 9 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/liberty-financial/7a0122b1-3f9c-4872-87c9-50e886aeff3b
- 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/7a0122b1-3f9c-4872-87c9-50e886aeff3b) — 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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