Our sharpest home loan rate

No account-keeping or settlement fees are just some of the benefits of the Liberty Sharp home loan. Offering our sharpest interest rate, this loan also allows the flexibility to choose a repayment schedule that suits you – either weekly, fortnightly or monthly, with free additional and lump sum payments also available.

A redraw facility is also an option for those who want to draw on equity for home improvements or to assist with a deposit on further property investments.

Suitable for first home buyers, owner-occupiers and investors, ask a Liberty Adviser about the Liberty Sharp home loan today.

Home loan rates

Rates from (per annum)# Standard Variable Rate (SVR) *Comparison Rate
LVR ≤ 65% 3.24% (3.31%)
LVR > 65% and ≤ 75% 3.44% (3.51%)
LVR > 75% and ≤ 80% 3.84% (3.91%)
LVR > 80% and ≤ 85% 4.04% (4.21%)
LVR > 85% and ≤ 90% 4.44% (4.67%)
LVR > 90% 4.89% (5.27%)

Investment loan rates

Rates from (per annum)# Standard Variable Rate (SVR) *Comparison Rate
LVR ≤ 65% 3.59% (3.66%)
LVR > 65% and ≤ 75% 3.79% (3.86%)
LVR > 75% and ≤ 80% 4.19% (4.26%)
LVR > 80% and ≤ 85% 4.39% (4.56%)
LVR > 85% and ≤ 90% 4.79% (5.02%)
LVR > 90% 5.24% (5.62%)
Features Liberty Sharp Star
Maximum LVR 95%
Maximum loan amount** $500,000 $3,000,000
Minimum loan amount $100,000 $50,000
Principal & interest
Interest only
Redraw
Split Loans
100% Offset facility
Additional repayments
Repay weekly, fortnightly, monthly
Owner-occupier & investor
Professional investor
Fixed rate options
Fees^
Application fee $995 $0
Valuation fee^^ $0 $0
Settlement fee $0 $0
Ongoing fee (annual) $0 $295
Redraw fee $50 $0
Discharge fee $395 $395
Professional investor fee*** $995 $995

#Quoted rates apply to principal and interest loans. The actual interest rate applicable will depend on our assessment criteria. *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.

**Subject to LVR restrictions. ***Application fee and interest rate loadings apply for company/trust or professional investor applicants with ≥4 properties. ^Other fees and charges may apply. Contact us on 13 11 33 for more information on fees and charges. ^^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.