Flexible home loan
Flexible home loans
- From (owner occupied)
- 6.59%
- 6.86% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable From 6.59% 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 6.86% 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 | 6.59% | 6.86% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application fee Other fees, charges and commissions may apply. | Upfront | $0.00 |
| 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 | $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 |
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. Liberty is not a bank. The offset facility on your loan account is not covered by any Government guarantee. International transaction fees apply on purchases or cash advances while overseas or in Australia when the merchant processing the transaction is located overseas. ATM fees apply for a cash withdrawal at a non major bank ATM or rediATM in Australia.
- Bill payment (BPAY) — BPAY
- BPAY payment facility available
- Redraw facility — Free online redraw
- Redraw facility allows you to access extra repayments made
- Extra repayments — Additional repayments
- Additional repayments allowed
- Transfer funds to third party accounts — Third party account transfers
Eligibility
- Individuals only — Individuals
- Residency status — Australian citizen/residentAt least one applicant must reside in Australia
- Business customers — Non individual borrowersCorporate trustees for family trusts
- Employment status — Self-employed & PAYGSelf-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 — $10,000,000.00Subject to LVR and postcode restrictions.
- Minimum limit — $50,000.00Minimum 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
Published by Liberty Financial under the Consumer Data Right · Last updated 15 May 2026 · Product ID eb16c08a-4670-4a24-adf0-2f72e8d57f1f · View on CDR.gov.au