Liberty Financial - Liberty SuperCredit

Key Facts Sheet

RESIDENTIAL PROPERTY
Minimum loan amount : $30,000
Loan Term : 10 - 30 years

COMMERCIAL PROPERTY
Minimum loan amount : $150,000
Loan Term : 5 - 15 years

This Key Facts Sheet is an Australian Government requirement

under the National Consumer Credit Protection Act 2009

KEY FACTS ABOUT THIS HOME LOAN

Date Produced : 18th May 2012

THIS IS NOT AN OFFER OF CREDIT. This Key Facts Sheet is provided to help you compare this home loan with the home loans of other lenders.

Liberty Financial

Australian credit licence number: 388133

What you have told us
Loan Amount:	$
Term of the home loan:	years
Interest type:
Lender and product name:	Liberty Financial -

HOW DOES THIS HOME LOAN COMPARE?

Description of this home loan
Repayment method
Repayment frequency	Monthly (other repayment options are available)
Interest rate	per annum
Personalised comparison rate: (interest rate including fees)	per annum

Estimated cost of this home loan
Total amount to be paid back (including the loan amount and fees)	$
This means you will pay back	$ for every $1 borrowed
Application fee	$
Ongoing fee	$
Repayment per month (including ongoing fees)	$
Repayment per year (including ongoing fees)	$
There may be circumstances in which other fees are payable. Fees applicable for the loan you apply for will be shown in the loan contract. You can also obtain a list of fees applicable to this type of loan through our website at www.liberty.com.au. Other loan set-up fees, such as valuation fees and lender's mortgage insurance, and Government charges, such as registration fees and stamp duty on property transfer, have not been included. These will be determined after application. Additional fees may be payable if you choose to repay your fixed rate home loan early.

What happens if interest rates increase?
This is a variable rate loan. If your interest rate was to increase by 1% per annum, your monthly repayment would increase by around $.

How can I repay my loan faster?
This loan allows you to make additional repayments to pay off your loan faster but such repayments may attract a fee. You should ask your lender about the fee before making additional repayments. Altering the frequency of repayments may also help repay the loan faster.

How to find the best deal for you
To obtain the best deal for you, it is important to shop around and compare interest rates, fees and features before you apply for a home loan. For more information about how to get the best deal on your home loan visit the ASIC consumer website at www.moneysmart.gov.au.

ABN: 55 077 248 983

This Key Facts Sheet is an Australian Government requirement

under the National Consumer Credit Protection Act 2009

FURTHER INFORMATION ABOUT THIS KEY FACTS SHEET

Which home loan is right for you?

It's important to work out what you want from your loan and how much it will cost you. Some loans have features that may result in savings over the life.

Where can I find out more about this loan?

If you want more information on the terms used in this document or about this home loan, please contact us on 13 11 33 or visit our website at www.liberty.com.au.

This Key Facts Sheet is an Australian Government requirement.

The Australian Government requires all lenders selling standard home loans to give you a Key Facts Sheet. This Key Facts Sheet is not an offer of credit. The lender is not obliged to provide you with the home loan described in this Key Facts Sheet. You will need to apply for the loan and meet our lending criteria before we can determine whether you are eligible for this loan.

You should also be aware:

the interest rates and fees and charges are those that apply as at the date of production of this Key Facts Sheet.
the amount required to be paid does not include fees which are dependent on events that may not occur (for example, late payment fees if you do not make repayments on time).
the amount of the repayments shown in this Key Facts Sheet will change if interest rates, fees and charges change and if a different loan type, loan term or loan amount is used.

What is the personalised comparison rate?

The personalised comparison rate helps you understand what the total cost of your home loan might be, taking into account known fees and charges that will apply (other than government fees, charges or duties) by building those costs into the interest rate. This personalised comparison rate assumes this product and rate are available to you.

ABN : 55 077 248 983