{
  "brand": "Liberty Financial",
  "brand_label": "Liberty Financial",
  "brand_slug": "liberty-financial",
  "legal_entity_abn": "55077248983",
  "public_base_uri": "https://services.liberty.com.au/api/data-holder-public",
  "logo_uri": "https://d2ttwt9gu7swv4.cloudfront.net/cdr_assets/Liberty-Aero-Horizontal-RGB.jpg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-13T00:00:00Z",
  "at_a_glance": {
    "note": "This bank's lowest ranked rate per purpose, repayment type and rate kind, one line each: the lowest of the bank's own entries in the best/{purpose}/{repayment}/{lvr}/{loan}/{kind}.json buckets (broker-only rates left out, as there), so it matches best/ and top/. A bank that lends only to a named group (restricted membership) is left out of their entries and top but listed in entries_with_restricted; its lines here carry eligibility, a key into eligibility_sets saying who can borrow, with the bank's own words. reference_lvrs are the bucket LVRs where it is the bank's entry; a higher LVR usually costs more and that rate is in rows. Null lvr_min and lvr_max mean the bank states no LVR band, read as up to 80%. conditions is a key into condition_sets. unranked counts the rows no bucket ranks. comparison_rate_at_600000_pct is our comparison rate for a $600,000 loan over 25 years from the bank's published fees, not the bank's own figure (comparison_rate_pct, on $150,000); null where our check against the bank's figure failed or a fixed rate's revert rate is not known. Every product and rate row follows in products and rows.",
    "rates": [
      {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"variable","rate_pct":6.99,"comparison_rate_pct":7.07,"comparison_rate_at_600000_pct":null,"product_label":"Low Rate Home Loan","lvr_min":0,"lvr_max":95,"reference_lvrs":[60,70,80,90,95],"loan_min":100000,"loan_max":500000,"annual_fee":0,"upfront_fees":0,"exit_fees":395,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false},
      {"purpose":"investment","repayment":"principal_and_interest","kind":"variable","rate_pct":7.09,"comparison_rate_pct":7.36,"comparison_rate_at_600000_pct":7.16,"product_label":"Debt Consolidation Home Loan","lvr_min":0,"lvr_max":90,"reference_lvrs":[60,70,80,90],"loan_min":50000,"loan_max":10000000,"annual_fee":295,"upfront_fees":null,"exit_fees":395,"conditions":"k2","restrictions":["refinance_only"],"eligibility":null,"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "$995 application fee",
        "Valuation fee payable for loans at 90% LVR or more",
        "0.25% rate loading for loan terms over 30 years"
      ],
      "k2": [
        "refinancing only",
        "$995 fee and higher rate for company/trust borrowers or investors with 4+ properties",
        "0.25% rate loading for loan terms over 30 years"
      ]
    },
    "unranked": {
      "rows": 7,
      "first_home_buyer": 3
    }
  },
  "source": "Each bank's own published product data (its Consumer Data Right Product Reference Data API, public and unauthenticated), plus a few terms that data leaves out, read from the bank's own pages",
  "licence_note": "Rates are published by each bank as public product reference data, as the Consumer Data Right requires, and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice and the rate a borrower is offered depends on the bank's assessment; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "dc42beab-44d7-400b-81eb-adac350f6e6a",
      "product_name": "Australian Government 5% Deposit Scheme",
      "product_label": "Australian Government 5% Deposit Scheme",
      "product_url": "https://www.liberty.com.au/home-loans/australian-government-5-deposit-scheme",
      "product_url_source": "feed",
      "terms_url": null,
      "terms_url_source": null,
      "description": "This product is also referred to as the Liberty Star home loan.",
      "offset": true,
      "redraw": true,
      "extra_repayments": true,
      "annual_fee": 295.0,
      "upfront_fees": 0.0,
      "exit_fees": 395.0,
      "fees": [
        {
          "name": "Application fee",
          "fee_type": "UPFRONT",
          "amount": null,
          "frequency": null,
          "info": "Other fees, charges and commissions may apply."
        },
        {
          "name": "Valuation fee",
          "fee_type": "UPFRONT",
          "amount": null,
          "frequency": null,
          "info": "Valuation fee not applicable for loans under 90% LVR. Additional valuation expenses may be payable where the anticipated security property value is >1.5m, wher…"
        },
        {
          "name": "Settlement fee",
          "fee_type": "UPFRONT",
          "amount": 0.0,
          "frequency": null,
          "info": "Other fees, charges and commissions may apply."
        },
        {
          "name": "Annual fee",
          "fee_type": "PERIODIC",
          "amount": 295.0,
          "frequency": "P1Y",
          "info": "Ongoing annual fee $295"
        },
        {
          "name": "Manual redraw fee",
          "fee_type": "TRANSACTION",
          "amount": 50.0,
          "frequency": null,
          "info": null
        },
        {
          "name": "Fixed rate lock fee",
          "fee_type": "UPFRONT",
          "amount": 900.0,
          "frequency": null,
          "info": "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)."
        },
        {
          "name": "Discharge fee",
          "fee_type": "EXIT",
          "amount": 395.0,
          "frequency": null,
          "info": null
        }
      ],
      "fees_as_published": null,
      "max_lvr": 98.0,
      "restrictions": [
        "first_home_buyer"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "eligibility": null,
      "discounts": [],
      "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/dc42beab-44d7-400b-81eb-adac350f6e6a",
      "source_snapshot": "/au/finance/home-loans/v1/source/liberty-financial/dc42beab-44d7-400b-81eb-adac350f6e6a.json",
      "snapshot_at": "2026-11-13T01:22:22Z",
      "bank_last_updated": "2026-11-13T00:00:00Z",
      "correction": null,
      "row_count": 1,
      "conditions": [
        "First home buyers or no property owned in Australia in the last 10 years",
        "Owner-occupied only, property below the Scheme price cap",
        "Australian citizens or permanent residents aged 18 or over",
        "No LMI under the Scheme; 2% deposit for single parents"
      ]
    },
    {
      "product_id": "690e034e-a1c5-4aea-ba09-830b86a129b6",
      "product_name": "Debt consolidation home loan",
      "product_label": "Debt Consolidation Home Loan",
      "product_url": "https://liberty.com.au/home-loans/debt-consolidation-home-loans",
      "product_url_source": "feed",
      "terms_url": null,
      "terms_url_source": null,
      "description": "This product is also referred to as the Liberty Star home loan.",
      "offset": true,
      "redraw": true,
      "extra_repayments": true,
      "annual_fee": 295.0,
      "upfront_fees": null,
      "exit_fees": 395.0,
      "fees": [
        {
          "name": "Application fee",
          "fee_type": "UPFRONT",
          "amount": null,
          "frequency": null,
          "info": "Other fees, charges and commissions may apply."
        },
        {
          "name": "Valuation fee",
          "fee_type": "UPFRONT",
          "amount": null,
          "frequency": null,
          "info": "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…"
        },
        {
          "name": "Annual fee",
          "fee_type": "PERIODIC",
          "amount": 295.0,
          "frequency": "P1Y",
          "info": "Payable on group loans only"
        },
        {
          "name": "Manual redraw fee",
          "fee_type": "TRANSACTION",
          "amount": 50.0,
          "frequency": null,
          "info": null
        },
        {
          "name": "Professional investor & Company/Trust fee",
          "fee_type": "UPFRONT",
          "amount": 995.0,
          "frequency": null,
          "info": "Application fee and interest rate loadings apply for company/trust or professional investor applicants with >=4 properties."
        },
        {
          "name": "Discharge fee",
          "fee_type": "EXIT",
          "amount": 395.0,
          "frequency": null,
          "info": null
        }
      ],
      "fees_as_published": null,
      "max_lvr": 90.0,
      "restrictions": [
        "refinance_only"
      ],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "eligibility": null,
      "discounts": [],
      "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/690e034e-a1c5-4aea-ba09-830b86a129b6",
      "source_snapshot": "/au/finance/home-loans/v1/source/liberty-financial/690e034e-a1c5-4aea-ba09-830b86a129b6.json",
      "snapshot_at": "2026-11-13T01:22:22Z",
      "bank_last_updated": "2026-11-13T00:00:00Z",
      "correction": null,
      "row_count": 1,
      "conditions": [
        "$995 fee and higher rate for company/trust borrowers or investors with 4+ properties",
        "0.25% rate loading for loan terms over 30 years"
      ]
    },
    {
      "product_id": "eb16c08a-4670-4a24-adf0-2f72e8d57f1f",
      "product_name": "Flexible home loan",
      "product_label": "Flexible Home Loan",
      "product_url": "https://liberty.com.au/home-loans/flexible-home-loans",
      "product_url_source": "feed",
      "terms_url": null,
      "terms_url_source": null,
      "description": "This product is also referred to as the Liberty Star home loan.",
      "offset": true,
      "redraw": true,
      "extra_repayments": true,
      "annual_fee": 295.0,
      "upfront_fees": 0.0,
      "exit_fees": 395.0,
      "fees": [
        {
          "name": "Application fee",
          "fee_type": "UPFRONT",
          "amount": null,
          "frequency": null,
          "info": "Other fees, charges and commissions may apply."
        },
        {
          "name": "Valuation fee",
          "fee_type": "UPFRONT",
          "amount": null,
          "frequency": null,
          "info": "Valuation fee not applicable for loans under 90% LVR. Additional valuation expenses may be payable where the anticipated security property value is >1.5m, wher…"
        },
        {
          "name": "Settlement fee",
          "fee_type": "UPFRONT",
          "amount": 0.0,
          "frequency": null,
          "info": "Other fees, charges and commissions may apply."
        },
        {
          "name": "Annual fee",
          "fee_type": "PERIODIC",
          "amount": 295.0,
          "frequency": "P1Y",
          "info": "Ongoing annual fee $295"
        },
        {
          "name": "Manual redraw fee",
          "fee_type": "TRANSACTION",
          "amount": 50.0,
          "frequency": null,
          "info": null
        },
        {
          "name": "Fixed rate lock fee",
          "fee_type": "UPFRONT",
          "amount": 900.0,
          "frequency": null,
          "info": "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)."
        },
        {
          "name": "Discharge fee",
          "fee_type": "EXIT",
          "amount": 395.0,
          "frequency": null,
          "info": null
        }
      ],
      "fees_as_published": null,
      "max_lvr": 95.0,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "eligibility": null,
      "discounts": [],
      "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/eb16c08a-4670-4a24-adf0-2f72e8d57f1f",
      "source_snapshot": "/au/finance/home-loans/v1/source/liberty-financial/eb16c08a-4670-4a24-adf0-2f72e8d57f1f.json",
      "snapshot_at": "2026-11-13T01:22:22Z",
      "bank_last_updated": "2026-11-13T00:00:00Z",
      "correction": null,
      "row_count": 1,
      "conditions": [
        "Valuation fee payable for loans at 90% LVR or more",
        "No offset or redraw on fixed rates",
        "0.25% rate loading for loan terms over 30 years"
      ]
    },
    {
      "product_id": "712fd94c-946a-4ceb-8ef0-c76def48afb4",
      "product_name": "Flexible investment loan",
      "product_label": "Flexible Investment Loan",
      "product_url": "https://liberty.com.au/home-loans/flexible-investment-loans",
      "product_url_source": "feed",
      "terms_url": null,
      "terms_url_source": null,
      "description": "This product is also referred to as the Liberty Star home loan.",
      "offset": true,
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      "fees": [
        {
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          "info": "Other fees, charges and commissions may apply."
        },
        {
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          "fee_type": "UPFRONT",
          "amount": null,
          "frequency": null,
          "info": "Valuation fee not applicable for loans under 90% LVR. Additional valuation expenses may be payable where the anticipated security property value is >1.5m, wher…"
        },
        {
          "name": "Settlement fee",
          "fee_type": "UPFRONT",
          "amount": 0.0,
          "frequency": null,
          "info": "Other fees, charges and commissions may apply."
        },
        {
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        },
        {
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        },
        {
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        },
        {
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          "info": "Application fee and interest rate loadings apply for company/trust or professional investor applicants with >=4 properties."
        },
        {
          "name": "Fixed rate lock fee",
          "fee_type": "UPFRONT",
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          "frequency": null,
          "info": "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)."
        }
      ],
      "fees_as_published": null,
      "max_lvr": 95.0,
      "restrictions": [],
      "who_can_open": {
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        "groups": [],
        "open_note": null
      },
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      "discounts": [],
      "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/712fd94c-946a-4ceb-8ef0-c76def48afb4",
      "source_snapshot": "/au/finance/home-loans/v1/source/liberty-financial/712fd94c-946a-4ceb-8ef0-c76def48afb4.json",
      "snapshot_at": "2026-11-13T01:22:22Z",
      "bank_last_updated": "2026-11-13T00:00:00Z",
      "correction": null,
      "row_count": 1,
      "conditions": [
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        "No offset or redraw on fixed rates",
        "0.25% rate loading for loan terms over 30 years"
      ]
    },
    {
      "product_id": "8ab1738a-9d31-49db-ab95-7d8716fe31c1",
      "product_name": "Fresh start home loan",
      "product_label": "Fresh Start Home Loan",
      "product_url": "https://liberty.com.au/home-loans/fresh-start-home-loans",
      "product_url_source": "feed",
      "terms_url": null,
      "terms_url_source": null,
      "description": "This product is also referred to as the Liberty Star home loan.",
      "offset": false,
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      "upfront_fees": 0.0,
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      "fees": [
        {
          "name": "Application fee",
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          "info": null
        },
        {
          "name": "Valuation fee",
          "fee_type": "UPFRONT",
          "amount": null,
          "frequency": null,
          "info": "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…"
        },
        {
          "name": "Settlement fee",
          "fee_type": "UPFRONT",
          "amount": 0.0,
          "frequency": null,
          "info": "Other fees, charges and commissions may apply."
        },
        {
          "name": "Ongoing fee",
          "fee_type": "PERIODIC",
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          "frequency": "P1M",
          "info": "Ongoing fee $15 per month"
        },
        {
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        },
        {
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        },
        {
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          "info": "Starting from 0.5%"
        }
      ],
      "fees_as_published": null,
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      "restrictions": [
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      ],
      "who_can_open": {
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        "groups": [],
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      },
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      "discounts": [],
      "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/8ab1738a-9d31-49db-ab95-7d8716fe31c1",
      "source_snapshot": "/au/finance/home-loans/v1/source/liberty-financial/8ab1738a-9d31-49db-ab95-7d8716fe31c1.json",
      "snapshot_at": "2026-11-13T01:22:22Z",
      "bank_last_updated": "2026-11-13T00:00:00Z",
      "correction": null,
      "row_count": 1,
      "conditions": [
        "$995 application fee, $330 valuation fee and an equalisation fee from 0.5%",
        "0.25% rate loading for loan terms over 30 years"
      ]
    },
    {
      "product_id": "05501e53-ad4f-4396-9a0a-0fa3c6b8daee",
      "product_name": "Fresh start investment loan",
      "product_label": "Fresh Start Investment Loan",
      "product_url": "https://liberty.com.au/home-loans/fresh-start-investment-loans",
      "product_url_source": "feed",
      "terms_url": null,
      "terms_url_source": null,
      "description": "This product is also referred to as the Liberty Star home loan.",
      "offset": false,
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      "extra_repayments": true,
      "annual_fee": 180.0,
      "upfront_fees": 0.0,
      "exit_fees": 395.0,
      "fees": [
        {
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          "info": null
        },
        {
          "name": "Valuation fee",
          "fee_type": "UPFRONT",
          "amount": null,
          "frequency": null,
          "info": "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…"
        },
        {
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          "fee_type": "UPFRONT",
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          "frequency": null,
          "info": "Other fees, charges and commissions may apply."
        },
        {
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          "fee_type": "PERIODIC",
          "amount": 15.0,
          "frequency": "P1M",
          "info": "Ongoing fee $15 per month"
        },
        {
          "name": "Manual redraw fee",
          "fee_type": "TRANSACTION",
          "amount": 50.0,
          "frequency": null,
          "info": null
        },
        {
          "name": "Discharge fee",
          "fee_type": "EXIT",
          "amount": 395.0,
          "frequency": null,
          "info": null
        },
        {
          "name": "Professional investor & Company/Trust fee",
          "fee_type": "UPFRONT",
          "amount": 995.0,
          "frequency": null,
          "info": "Application fee and interest rate loadings apply for company/trust or professional investor applicants with >=3 properties."
        },
        {
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          "fee_type": "UPFRONT",
          "amount": null,
          "frequency": null,
          "info": "Starting from 0.5%"
        }
      ],
      "fees_as_published": null,
      "max_lvr": 85.0,
      "restrictions": [
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      ],
      "who_can_open": {
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        "groups": [],
        "open_note": null
      },
      "eligibility": null,
      "discounts": [],
      "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/05501e53-ad4f-4396-9a0a-0fa3c6b8daee",
      "source_snapshot": "/au/finance/home-loans/v1/source/liberty-financial/05501e53-ad4f-4396-9a0a-0fa3c6b8daee.json",
      "snapshot_at": "2026-11-13T01:22:22Z",
      "bank_last_updated": "2026-11-13T00:00:00Z",
      "correction": null,
      "row_count": 1,
      "conditions": [
        "$995 application fee, $330 valuation fee and an equalisation fee from 0.5%",
        "0.25% rate loading for loan terms over 30 years"
      ]
    },
    {
      "product_id": "8bbae52f-72b8-480e-8e6e-0a9137f862e0",
      "product_name": "Low deposit home loan",
      "product_label": "Low Deposit Home Loan",
      "product_url": "https://liberty.com.au/home-loans/low-deposit-home-loans",
      "product_url_source": "feed",
      "terms_url": null,
      "terms_url_source": null,
      "description": "This product is also referred to as the Liberty Star home loan.",
      "offset": true,
      "redraw": true,
      "extra_repayments": true,
      "annual_fee": 295.0,
      "upfront_fees": 0.0,
      "exit_fees": 395.0,
      "fees": [
        {
          "name": "Application fee",
          "fee_type": "UPFRONT",
          "amount": null,
          "frequency": null,
          "info": "Other fees, charges and commissions may apply."
        },
        {
          "name": "Valuation fee",
          "fee_type": "UPFRONT",
          "amount": null,
          "frequency": null,
          "info": "Valuation fee not applicable for loans under 90% LVR. Additional valuation expenses may be payable where the anticipated security property value is >1.5m, wher…"
        },
        {
          "name": "Settlement fee",
          "fee_type": "UPFRONT",
          "amount": 0.0,
          "frequency": null,
          "info": "Other fees, charges and commissions may apply."
        },
        {
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