Liberty Financial
ABN 55 077 248 983
Home loans
Liberty Financial publishes 12 home loan products in its product data, giving 12 rates (12 variable). Rates are per annum as published by the bank. The comparison rate is the bank's own figure, which the National Credit Code requires it to calculate on a $150,000 loan over 25 years; it folds in fees and charges, so it is a guide to the cost of a loan of that size only. Offset and redraw are features of the product, as the bank publishes them, and may not apply while a rate is fixed.
Products
- Australian Government 5% Deposit Schemefirst home buyeroffset account and redraw · upfront fees $0 · ongoing fees $295 p.a. · exit fees $395 · max LVR 98% · 1 rate · bank · source
This product is also referred to as the Liberty Star home loan. - Debt Consolidation Home Loanrefinance onlyoffset account and redraw · ongoing fees $295 p.a. · exit fees $395 · max LVR 90% · 1 rate · bank · source
This product is also referred to as the Liberty Star home loan. - Flexible Home Loanoffset account and redraw · upfront fees $0 · ongoing fees $295 p.a. · exit fees $395 · max LVR 95% · 1 rate · bank · source
This product is also referred to as the Liberty Star home loan. - Flexible Investment Loanoffset account and redraw · upfront fees $0 · ongoing fees $295 p.a. · exit fees $395 · max LVR 95% · 1 rate · bank · source
This product is also referred to as the Liberty Star home loan. - Fresh Start Home Loanlow docredraw · upfront fees $0 · ongoing fees $180 p.a. · exit fees $395 · max LVR 95% · 1 rate · bank · source
This product is also referred to as the Liberty Star home loan. - Fresh Start Investment Loanlow docredraw · upfront fees $0 · ongoing fees $180 p.a. · exit fees $395 · max LVR 85% · 1 rate · bank · source
This product is also referred to as the Liberty Star home loan. - Low Deposit Home Loanfirst home buyeroffset account and redraw · upfront fees $0 · ongoing fees $295 p.a. · exit fees $395 · max LVR 95% · 1 rate · bank · source
This product is also referred to as the Liberty Star home loan. - Low Deposit Investment Loanfirst home buyeroffset account and redraw · upfront fees $0 · ongoing fees $295 p.a. · exit fees $395 · max LVR 95% · 1 rate · bank · source
This product is also referred to as the Liberty Star home loan. - Low Doc Home Loanlow docoffset account and redraw · upfront fees $0 · ongoing fees $295 p.a. · exit fees $395 · max LVR 85% · 1 rate · bank · source
This product is also referred to as the Liberty Nova home loan. - Low Doc Investment Loanlow docoffset account and redraw · upfront fees $0 · ongoing fees $295 p.a. · exit fees $395 · max LVR 85% · 1 rate · bank · source
This product is also referred to as the Liberty Nova home loan. - Low Rate Home Loanredraw · upfront fees $0 · ongoing fees $0 p.a. · exit fees $395 · max LVR 95% · 1 rate · bank · source
This product is also referred to as the Liberty Sharp home loan. - Low Rate Investment Loanredraw · upfront fees $0 · ongoing fees $0 p.a. · exit fees $395 · max LVR 95% · 1 rate · bank · source
This product is also referred to as the Liberty Sharp home loan.
Rates
| Product | Rate type | Rate p.a. | Comparison at $150,000 | Purpose | Repayment | LVR | Loan | Conditions | Bank updated | Source |
|---|---|---|---|---|---|---|---|---|---|---|
| Low Doc Home Loan | Variable | 7.49% | 7.76% | Owner-occupied | Principal & interest | up to 85% | $50,000 – $8,000,000 | low-doc or specialist lending; Valuation fee payable for loans at 90% LVR or more; 0.25% rate loading for loan terms ov… | 2026-11-13 | source |
| Flexible Home Loan | Variable | 7.09% | 7.36% | Owner-occupied | Principal & interest | up to 95% | $50,000 – $10,000,000 | Valuation fee payable for loans at 90% LVR or more; No offset or redraw on fixed rates; 0.25% rate loading for loan ter… | 2026-11-13 | source |
| Fresh Start Home Loan | Variable | 7.64% | 7.98% | Owner-occupied | Principal & interest | up to 95% | $50,000 – $10,000,000 | low-doc or specialist lending; $995 application fee, $330 valuation fee and an equalisation fee from 0.5%; 0.25% rate l… | 2026-11-13 | source |
| Low Deposit Home Loan | Variable | 9.39% | 10.14% | Owner-occupied | Principal & interest | up to 95% | $50,000 – $2,500,000 | first home buyers or a government scheme only; Valuation fee payable for loans at 90% LVR or more; 0.25% rate loading f… | 2026-11-13 | source |
| Low Rate Home Loan | Variable | 6.99% | 7.07% | Owner-occupied | Principal & interest | up to 95% | $100,000 – $500,000 | $995 application fee; Valuation fee payable for loans at 90% LVR or more; 0.25% rate loading for loan terms over 30 yea… | 2026-11-13 | source |
| Australian Government 5% Deposit Scheme | Variable | 7.59% | 7.86% | Owner-occupied | Principal & interest | up to 98% | $50,000 – $10,000,000 | first home buyers or a government scheme only; First home buyers or no property owned in Australia in the last 10 years… | 2026-11-13 | source |
| Low Doc Investment Loan | Variable | 7.84% | 8.11% | Investment | Principal & interest | up to 85% | $50,000 – $8,000,000 | low-doc or specialist lending; Valuation fee payable for loans at 90% LVR or more; 0.25% rate loading for loan terms ov… | 2026-11-13 | source |
| Fresh Start Investment Loan | Variable | 7.99% | 8.34% | Investment | Principal & interest | up to 85% | $50,000 – $10,000,000 | low-doc or specialist lending; $995 application fee, $330 valuation fee and an equalisation fee from 0.5%; 0.25% rate l… | 2026-11-13 | source |
| Flexible Investment Loan | Variable | 7.44% | 7.71% | Investment | Principal & interest | up to 95% | $50,000 – $10,000,000 | Valuation fee payable for loans at 90% LVR or more; No offset or redraw on fixed rates; 0.25% rate loading for loan ter… | 2026-11-13 | source |
| Low Deposit Investment Loan | Variable | 9.74% | 10.50% | Investment | Principal & interest | up to 95% | $50,000 – $2,500,000 | first home buyers or a government scheme only; Valuation fee payable for loans at 90% LVR or more; 0.25% rate loading f… | 2026-11-13 | source |
| Low Rate Investment Loan | Variable | 7.34% | 7.42% | Investment | Principal & interest | up to 95% | $100,000 – $500,000 | $995 application fee; Valuation fee payable for loans at 90% LVR or more; 0.25% rate loading for loan terms over 30 yea… | 2026-11-13 | source |
| Debt Consolidation Home Loan | Variable | 7.09% | 7.36% | Any | Principal & interest | up to 90% | $50,000 – $10,000,000 | refinancing only; $995 fee and higher rate for company/trust borrowers or investors with 4+ properties; 0.25% rate load… | 2026-11-13 | source |
Hover a condition to read the bank's full wording, and a rate type for the bank's own name for it. "not stated" means the bank's feed does not say which loans a rate is for. The "source" link opens our snapshot of the bank's product record.
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. Comparison rates are calculated on a $150,000 secured loan over 25 years.
Data
This section is built from the bank's own published product data, plus any term it leaves out that we read from the bank's own pages and any correction where its page contradicts that data. The same records are published as JSON with a source URL and the bank's last-updated timestamp on every row:
/au/finance/home-loans/v1/brands/liberty-financial.json: this bank's home loan products and every rate row./au/finance/home-loans/v1/rates.json: all the banks' home loan rate rows in one file./au/finance/home-loans/v1/best.json: the banks ranked per purpose, repayment type, LVR, loan amount and rate type./au/finance/home-loans/v1/index.json: dataset index, including every per-bank file.- the bank's live CDR home loan feed (needs an
x-vheader).
Car loans
Liberty Financial publishes 3 car loan products in its product data, giving 3 rates, 2 of them ranked. 1 rate is not ranked (no comparison rate published: 1). Rates are per annum as published by the bank. Lenders are ranked by comparison rate, the lender's own figure, worked out by a formula set in law and including most fees, on the legal loan example closest to its typical loan: for car loans usually $30,000 over 5 years. On a smaller loan or a shorter term the fees weigh more than it shows.
Lowest comparison rates
Liberty Financial's lowest comparison rate for each vehicle and rate type, as it ranks on the car loan comparison; "ranked for" lists the loan amounts it covers.
| Vehicle | Rate type | Comparison rate | Rate p.a. | Product | Fees | Ranked for | Conditions |
|---|---|---|---|---|---|---|---|
| New car | Variable | 11.44% | 9.79%depends on credit | Flexible Car Loan | $120 a year | $15k, $30k, $60k | Rate depends on your credit history; $125 discharge fee; break costs may apply; $125 discharge fee; maximum $25,000 for… |
| Used car | Variable | 11.44% | 9.79%depends on credit | Flexible Car Loan | $120 a year | $15k, $30k, $60k | Rate depends on your credit history; $125 discharge fee; break costs may apply; $125 discharge fee; maximum $25,000 for… |
| Electric or hybrid | Variable | 11.44% | 9.79%depends on credit | Flexible Car Loan | $120 a year | $15k, $30k, $60k | Rate depends on your credit history; $125 discharge fee; break costs may apply; $125 discharge fee; maximum $25,000 for… |
Products
- Flexible Car Loan$120 a year · loans $5,000 – $100,000 · 1 fee with no amount in the feed · 1 rate · bank · source
Flexible car loans - Fresh Start Car Loancredit impaired$120 a year · loans $5,000 – $50,000 · 2 fees with no amount in the feed · 1 rate · bank · source
Fresh start car loans - Low Doc Car Loanlow doc$120 a year · loans $5,000 – $100,000 · 1 fee with no amount in the feed · 1 rate · bank · source
Low doc car loans
Rates
| Product | Rate type | Comparison rate | Rate p.a. | Vehicles | Loan | Term | Security | Conditions | Bank updated | Source |
|---|---|---|---|---|---|---|---|---|---|---|
| Flexible Car Loan | Variable | 11.44% | 9.79%depends on credit | new, used, electric or hybrid | $5,000 – $100,000 | 2 years – 7 years | secured | Rate depends on your credit history; $125 discharge fee; break costs may apply; $125 discharge fee; maximum $25,000 for… | 2026-11-10 | source |
| Fresh Start Car Loan | Variable | 15.82% | 13.24%depends on credit | new, used, electric or hybrid | $5,000 – $50,000 | 2 years – 5 years | secured | for borrowers with impaired credit; Rate depends on your credit history; $125 discharge fee; break costs may apply; $12… | 2026-11-10 | source |
| Low Doc Car Loan | Variable | — | —no comparison rate published | new, used, electric or hybrid | $5,000 – $100,000 | 2 years – 7 years | not stated | not ranked: no comparison rate published; low-doc lending; Variable interest rate starting from 9.79% p.a. | 2026-11-10 | source |
Ranked rates come first. Hover a condition to read the bank's full wording, and a rate type for the bank's own name for it. "not stated" means the bank's feed does not say. The "source" link opens the bank's product record (our snapshot).
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. Comparison rates are usually calculated on a $30,000 loan over 5 years: the law sets a few loan examples and each lender uses the one closest to its typical loan. Most lenders' feeds do not say which they used.
This comparison covers rates and the fees the lenders publish. It does not compare every feature that may matter to you, such as early repayment costs, balloon payments, vehicle age limits, redraw or approval criteria. We receive no payment from any lender for inclusion or ranking.
Data
This section is built from the bank's own published product data (its public Consumer Data Right personal loan feed), keeping the car loans, with terms that data leaves out read from the bank's own terms and pages and re-checked daily. The same records are published as JSON with a source URL and the bank's last-updated timestamp on every row:
/au/finance/car-loans/v1/brands/liberty-financial.json: this bank's car loan products and every rate row, its lowest rates first./au/finance/car-loans/v1/rates.json: all the lenders' car loan rate rows in one file./au/finance/car-loans/v1/best.json: the lenders ranked per vehicle, rate type and loan amount./au/finance/car-loans/v1/index.json: dataset index, including every per-bank file.- the bank's live CDR personal loan feed (needs an
x-vheader).
Business car loans
| Product | Rate type | Rate p.a. | Comparison rate | Conditions | Bank updated | Links |
|---|---|---|---|---|---|---|
| Business Car Loan (loan) | Fixed | 9.79% | —not published | confirmed on the lender's website on 2026-11-13 ("Rates from 9.79% p.a."), which gives it as a fixed rate (the feed, republished 2026-11-10, still says variable), from $5,000 to $100,000 ($35,000 if not registered for GST); older vehicles pay more; with a balloon, vehicle at most 8 years old at end of term; maximum $35,000 if not registered for GST; $50,000 for a start-up; higher rates (loadings) for older vehicles | 2026-11-10 | sourcebank |
Lenders are ranked by their advertised interest rate. Business vehicle finance is not consumer credit, so the comparison rate rules do not apply and most lenders publish none; where one does, it is shown beside the rate. Fees are extra.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Rates change without notice and banks may apply conditions not captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.