Liberty SMSF Loan

A flexible home loan that gets your money working

With a redraw facility, 100% offset account and no upfront fees, Liberty Star gives ultimate flexibility.

With the ability to split between fixed and variable rates, Liberty Star also has the option to make weekly, fortnightly, monthly or interest-only repayments. You can also reduce the length of the loan by making additional payments, which can be accessed through the redraw facility.

Appealing to both owner-occupiers and investors, with Liberty Star, you can borrow up to 95% of the property value. Loans above 80% require lender’s mortgage insurance.

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Home loan rates

Rates from (per annum)#Standard Variable Rate (SVR)*Comparison Rate
LVR ≤ 65% 3.60% (3.92%)
LVR >65% and ≤ 70% 3.80% (4.11%)
LVR >70% and ≤ 80% 4.20% (4.51%)
LVR >80% and ≤ 85% 4.40% (4.80%)
LVR >85% and ≤ 90% 4.80% (5.26%)
LVR >90% 5.30% (5.90%)

Investment loan rates

Rates from (per annum)#Standard Variable Rate (SVR)*Comparison Rate
LVR ≤ 65% 3.95% (4.26%)
LVR >65% and ≤ 70% 4.15% (4.46%)
LVR >70% and ≤ 80% 4.55% (4.85%)
LVR >80% and ≤ 85% 4.75% (5.14%)
LVR >85% and ≤ 90% 5.15% (5.60%)
LVR >90% 5.65% (6.25%)
FeaturesLiberty Star
Maximum LVR 95%available
Maximum loan amount**$3,000,000
Minimum loan amount$50,000
Principal & interestavailable
Interest only***available
Free redrawavailable
Split loans****available
100% Offset facility##available
Additional repaymentsavailable
Repay weekly, fortnightly, monthlyavailable
Owner-occupier & investoravailable
Professional investoravailable
Fixed rate options+available
Rate lock option++available
Fees^Note 2features liberty sharp
Application fee $0
Valuation fee^^ $0
Settlement fee $0
Ongoing fee (annual) $295
Redraw fee $0
Discharge fee $395
Professional investor fee### $995
Fixed rate lock fee++ $900 your social media marketing partner

Loan Amount

Loan Term

Property Value


Loan Purpose

Maximum loan amount: $1,500,000

Minimum loan amount: $50,000

Maximum LVR: 95%


*Quoted rates apply to principal and interest loans. 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. ***Interest Only loans are subject to LVR restrictions and interest rates are higher than advertised interest rate. For further information on this product contact us on 13 11 33. ****$0 for loans with ≤ 4 splits. Additional fee of $495 applies for loans with > 4 splits. #The actual interest rate applicable will depend on our assessment criteria. ##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. ###Application fee and interest rate loadings apply for company / trust or professional investor applicants with ≥4 properties. +Fixed rates available on request. Offset not available on fixed rate products. ++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). ^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 >$750k, where the security property is in a regional location or for additional securities.

Approved applicants only. Lending criteria apply. Fees and charges are payable. Copyright © 2019 All rights reserved | Liberty Network Services Pty Ltd (ABN 65 151 158 628/Australian Credit Licence 408042) (LNS) is a wholly-owned subsidiary of Liberty Financial Pty Ltd (ACN 077 248 983/Australian Credit Licence 286596). Liberty Network Services has access to products including those from Liberty Financial.