---
title: "Low deposit 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/8bbae52f-72b8-480e-8e6e-0a9137f862e0
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-09T00:00:00Z
---

# Low deposit 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):** 9.14% (9.89% 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.) | 9.14% | 9.89% | — |

## 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 |
| Manual redraw fee | Transaction | $50.00 |
| Discharge fee | Exit | $395.00 |

## Features

- **Offset account** (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.)
- **Bill payment (BPAY)** — BPAY (BPAY payment facility available)
- **Redraw facility** (Free online redraw)
- **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
- **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)

## Constraints

- **Maximum LVR** — 95% (Borrow up to 95% of purchase price.)
- **Maximum limit** — $2,500,000.00 (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-deposit-home-loans)

## Data provenance

- Published by Liberty Financial under the Consumer Data Right
- Product ID: `8bbae52f-72b8-480e-8e6e-0a9137f862e0`
- Last updated by the provider: 9 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/liberty-financial/8bbae52f-72b8-480e-8e6e-0a9137f862e0
- 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/8bbae52f-72b8-480e-8e6e-0a9137f862e0) — 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.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)