Liberty Financial
Liberty Star Prime — Owner Occupied
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR ≤95%
Liberty Financial Home Loan Rates
Active products
16
Lowest variable
6.49%
Lowest fixed
—
Lowest comparison
6.53%
Last updated
28 July 2026
Liberty is an ASX-listed non-bank lender founded in 1997, providing Custom (specialist), Star (Lite Doc) and Sharp (prime) home-loan ranges. Liberty is well-known for accepting borrowers outside Big 4 credit policy, including past defaults, discharged bankruptcies and ABN-only self-employed, at risk-based prices. Distributed through third-party lending channels only, no direct-to-consumer.
What is the lowest Liberty Financial home loan rate?
The lowest Liberty Financial variable home loan rate Ratesniffers tracks is 6.49% p.a. These figures come from the 11 Liberty Financial products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does Liberty Financial offer?
Ratesniffers currently tracks 11 Liberty Financial home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Liberty Financial home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.49% p.a. | 6.53% p.a. | 95% |
| Variable Owner-occupier P&I | 6.49% p.a. | 6.53% p.a. | 100% |
| Variable Owner-occupier P&I | 6.49% p.a. | 6.53% p.a. | 100% |
| Variable Owner-occupier P&I | 6.49% p.a. | 6.53% p.a. | 100% |
| Variable Owner-occupier P&I | 6.49% p.a. | 6.53% p.a. | 100% |
| Variable Owner-occupier P&I | 6.49% p.a. | 6.53% p.a. | 100% |
| Variable Investor P&I | 6.84% p.a. | 6.88% p.a. | 100% |
| Variable Investor P&I | 6.84% p.a. | 6.88% p.a. | 100% |
| Variable Investor P&I | 6.84% p.a. | 6.88% p.a. | 100% |
| Variable Investor P&I | 6.84% p.a. | 6.88% p.a. | 100% |
| Variable Investor P&I | 6.84% p.a. | 6.88% p.a. | 100% |
11 Liberty Financial home loan products
Liberty Financial
Flexible home loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR —
Liberty Financial
Fresh start home loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR —
Liberty Financial
Low doc home loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR —
Liberty Financial
Low deposit home loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR —
Liberty Financial
Low rate home loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR —
Liberty Financial
Flexible investment loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR —
Liberty Financial
Low deposit investment loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR —
Liberty Financial
Fresh start investment loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR —
Liberty Financial
Low rate investment loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR —
Liberty Financial
Low doc investment loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Monthly repayment
$3,273
LVR —
Negotiate Liberty Financial rates with a broker
Advertised rates aren't always the rate Liberty Financial actually approves. Our broker negotiates against your specific scenario, no fee.
Who is Liberty Financial?
Liberty is a specialist non-bank lender founded in 1997 to serve borrowers outside the banks' standard criteria, self-employed, low-deposit and credit-impaired applicants included. It is the only Australian non-bank with an investment-grade credit rating, and lends across prime and custom tiers.
Its free-thinking underwriting assesses the story behind the numbers, which is why it can approve scenarios the banks template out, at rates that scale with the risk.
Who suits a Liberty Financial home loan?
Liberty tends to suit borrowers with non-standard circumstances: irregular income, a thin credit file, a past default, or a deposit below bank thresholds. Its custom tiers cost more than bank pricing, so the play is usually approval now, refinance later once the file is clean. Compare its prime pricing against the market leaders above.
Background facts checked 21 July 2026. Rates above refresh independently.
Liberty Financial home loans: frequently asked questions
What is the lowest Liberty Financial home loan rate?
Liberty Financial's lowest variable home loan rate is currently 6.49% p.a., based on the 11 Liberty Financial products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Liberty Financial approves, a broker can often negotiate a sharper deal on your scenario.
How does Liberty Financial's home loan rate compare to the market?
Liberty Financial's lowest variable home loan rate today is 6.49% p.a., which is 40 basis points above the market median of 6.09% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Liberty Financial to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Liberty Financial sits right now rather than a fixed snapshot.
How many home loan products does Liberty Financial offer?
Ratesniffers currently tracks 16 Liberty Financial home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 11 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Liberty Financial competitive for refinancing?
It depends on your loan size and LVR. Liberty Financial's lowest comparison rate is currently 6.53% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Liberty Financial against the sharpest available rate usually pays off.
How often are Liberty Financial's home loan rates updated?
Ratesniffers refreshes Liberty Financial's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Liberty Financial reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
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