---
title: "Flexible 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/eb16c08a-4670-4a24-adf0-2f72e8d57f1f
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-09T00:00:00Z
---

# Flexible 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):** 6.84% (7.11% 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.) | 6.84% | 7.11% | — |

## 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 |
| 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 |
| Discharge fee | Exit | $395.00 |

## 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.)
- **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
- **Option to make interest-only repayments** — 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.)
- **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-home-loans)

## Data provenance

- Published by Liberty Financial under the Consumer Data Right
- Product ID: `eb16c08a-4670-4a24-adf0-2f72e8d57f1f`
- Last updated by the provider: 9 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/liberty-financial/eb16c08a-4670-4a24-adf0-2f72e8d57f1f
- 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/eb16c08a-4670-4a24-adf0-2f72e8d57f1f) — 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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