---
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: 2026-10-09T00:00:00Z
---

# 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**

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

## At a glance

- **From (owner occupied):** 7.39% (7.73% 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.) | 7.39% | 7.73% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application fee | 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 |
| 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% | Upfront | 0.5% of balance |

## Features

- **Redraw facility** — Free online redraw (Redraw facility allows you to access extra repayments made)
- **Extra repayments** (Additional repayments allowed)
- **Bill payment (BPAY)** — BPAY (BPAY payment facility available)
- **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
- **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.)
- **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: 9 October 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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