Liberty Financial Offset Home Loans, August 2026
Liberty Financial doesn't currently advertise products meeting our visibility filter in this segment. The panel below shows the full 85+-lender market for benchmark.
RBA cash rate 4.35%(effective 12 Aug 2026)|Rates updated |10,561 products|85+ Australian lenders
Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in August 2026
Reviewed by the Ratesniffers Editorial Team, August 2026
Liberty Financial's sharpest offset options. Market cheapest currently sits at 5.85%.
Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
First Home Buyer Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.89%p.a.
Verify, 84d old
Comparison*
5.89%p.a.
Monthly repayment
$2,962
LVR 70–90%
Discount Plus Home Loan Owner Occupied >$100k <=80% LVR P&I Special
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.93%p.a.
45d ago
Comparison*
—
Monthly repayment
$2,975
LVR ≤80%
Special Police Variable Home Loan Rate
Owner-occupierVariableP&IOffsetRedraw
Interest
5.93%p.a.
Comparison*
5.93%p.a.
Monthly repayment
$2,975
LVR —
Offset Home Loan <=80% LVR Owner Occupied P&I Refinance Offer
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.95%p.a.
15d ago
Comparison*
—
Monthly repayment
$2,982
LVR ≤80%
OnlineUp Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.95%p.a.
37d ago
Comparison*
5.95%p.a.
Monthly repayment
$2,982
LVR —
OnlineUltimate Home Loan - Owner Occupied 80% LVR
Owner-occupierVariableP&IOffsetRedraw
Interest
5.94%p.a.
Verify, 88d old
Comparison*
5.98%p.a.
Monthly repayment
$2,978
LVR ≤80%
Special Package Variable Owner Occupied <80% LVR P&I
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Verify, 64d old
Comparison*
—
Monthly repayment
$2,995
LVR ≤80%
Offset Home Loan LVR >80
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
Orange Advantage
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
OnlineME Bank CompleteME Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$3,000 cashback
Cashback eligibility
- Min loan $700,000
- Max LVR 80%
- Offer ends 28 Aug 2026 · lender T&Cs
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR 70–80%
Package Standard Variable 70% - 80% LVR $1m+ Owner Occupied P&I (Pricing Approval Required)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
—
Monthly repayment
$3,011
LVR 70–80%
Premium Plus Package <80% LVR >$500k Owner Occupied P&I Special
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
30d ago
Comparison*
—
Monthly repayment
$3,011
LVR ≤80%
Standard Variable Loan 70% - 80% LVR >$1m Owner Occupied P&I (Pricing Approval Required)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.06%p.a.
44d ago
Comparison*
—
Monthly repayment
$3,017
LVR 70–80%
Clear Path Variable Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$2,000 cashback
Interest
6.03%p.a.
Comparison*
6.07%p.a.
Monthly repayment
$3,007
LVR ≤80%
Essentials Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$4,000 cashback
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 71–80%
Special Residential Variable Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 71–80%
Package Discount Variable (L1) $100k+ 70% - 80% LVR Owner Occupied P&I
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
59d ago
Comparison*
—
Monthly repayment
$3,027
LVR 70–80%
Offset Home Loan Package 70% - 80% LVR Owner Occupied P&I
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
14d ago
Comparison*
—
Monthly repayment
$3,027
LVR 70–80%
AFG Alpha Offset Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
OnlineFlex - Variable OO P&I
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Advantage Package 70% - 80% LVR $1m+ Owner Occupied P&I (Pricing Tool Required)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.14%p.a.
28d ago
Comparison*
—
Monthly repayment
$3,043
LVR 70–80%
Advantage Package 70% - 80% LVR $1m+ Owner Occupied P&I (Pricing Tool Required)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.14%p.a.
28d ago
Comparison*
—
Monthly repayment
$3,043
LVR 70–80%
Package Variable <80% LVR Owner Occupied P&I Special
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.14%p.a.
24d ago
Comparison*
—
Monthly repayment
$3,043
LVR ≤80%
Advantage Package 70% - 80% LVR $1m+ Owner Occupied P&I (Pricing Tool Required)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.14%p.a.
28d ago
Comparison*
—
Monthly repayment
$3,043
LVR 70–80%
TOPLINE HOME LOAN
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
6.16%p.a.
Monthly repayment
$3,043
LVR 1–80%
Total Home Loan Package
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
6.18%p.a.
Monthly repayment
$3,043
LVR —
Home Package Plus $150k+ 70% - 80% LVR Owner Occupied Special P&I
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.18%p.a.
49d ago
Comparison*
—
Monthly repayment
$3,056
LVR 70–80%
Rocket Home Loan Premier Advantage 70% - 80% LVR $1m+ P&I (Pricing Tool Required)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.18%p.a.
28d ago
Comparison*
—
Monthly repayment
$3,056
LVR 70–80%
myBlue Variable 60% - 80% LVR Owner Occupied P&I
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.19%p.a.
Verify, 79d old
Comparison*
—
Monthly repayment
$3,059
LVR 60–80%
*Important Information and Comparison Rate Warning
This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Liberty Financial · Offset
Liberty Financial offset home loans, what to weigh
100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. Liberty Financial's sharpest variable currently: 6.49%. Sharpest fixed: 7.69%.
See also Liberty Financial's full product range, repayment calculator, and offset savings calculator.