---
title: "Fresh start 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/8ab1738a-9d31-49db-ab95-7d8716fe31c1
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-15T00:00:00Z
---

# Fresh start 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**

Fresh start home loans

## At a glance

- **From (owner occupied):** 7.14% (7.48% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (From 7.14% 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 7.48% 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.) | 7.14% | 7.48% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application fee | Upfront | $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 | $330.00 |
| Settlement fee — Other fees, charges and commissions may apply. | Upfront | $0.00 |
| Ongoing fee — Charged monthly · Ongoing fee $15 per month | Ongoing | $15.00 |
| Manual redraw fee | Transaction | $50.00 |
| Discharge fee | Exit | $395.00 |
| Equalisation fee — Starting from 0.5% | Other | 0.5% of balance |

## Features

- **Redraw facility** — Free online redraw (Redraw facility allows you to access extra repayments made)
- **Extra repayments** — Additional repayments (Additional repayments allowed)
- **Bill payment (BPAY)** — BPAY (BPAY payment facility available)
- **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
- **Loan can be used for unlimited debt consolidation** — Unlimited debt consolidation
- **Paid and unpaid defaults considered** — Paid and unpaid defaults
- **Mortgage arrears considered** — Mortgage arrears
- **Past bankruptcy considered** — Past bankruptcy

## 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/fresh-start-home-loans)

## Data provenance

- Published by Liberty Financial under the Consumer Data Right
- Product ID: `8ab1738a-9d31-49db-ab95-7d8716fe31c1`
- Last updated by the provider: 15 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/liberty-financial/8ab1738a-9d31-49db-ab95-7d8716fe31c1
- 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/8ab1738a-9d31-49db-ab95-7d8716fe31c1) — 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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