Interest
7.69%p.a.
Comparison*
7.95%p.a.
Est. repayment
$3,561
LVR ≤85%
Liberty Financial Home Loan Rates
Liberty Financial lifted its variable home-loan rates by 0.25 percentage points from 9 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Tracked products
452
Variable product example
7.34%
A verified Liberty Financial product example is Liberty Sharp AAA 80% LVR Owner Occupied P&I: 7.34% p.a. (7.42% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Fixed product example
7.94%
A verified Liberty Financial product example is Liberty Star AAA 1 Year Fixed 80% - 85% LVR Owner Occupied P&I: 7.94% p.a. (7.98% comparison rate), 12-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 80% to 85%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Variable example comparison
7.42%
A verified Liberty Financial product example is Liberty Sharp AAA 80% LVR Owner Occupied P&I: 7.34% p.a. (7.42% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Last updated
1 November 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 are Liberty Financial home loan rates?
Ratesniffers compares Liberty Financial home loan products by comparison rate. A verified Liberty Financial product example is Liberty Sharp AAA 80% LVR Owner Occupied P&I: 7.34% p.a. (7.42% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Liberty Financial product example is Liberty Star AAA 1 Year Fixed 80% - 85% LVR Owner Occupied P&I: 7.94% p.a. (7.98% comparison rate), 12-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 80% to 85%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. Compare Liberty Financial against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Liberty Financial home loan rate?
A verified Liberty Financial product example is Liberty Sharp AAA 80% LVR Owner Occupied P&I: 7.34% p.a. (7.42% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Liberty Financial product example is Liberty Star AAA 1 Year Fixed 80% - 85% LVR Owner Occupied P&I: 7.94% p.a. (7.98% comparison rate), 12-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 80% to 85%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
How many home loan products does Liberty Financial offer?
Ratesniffers currently tracks 452 Liberty Financial home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. 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.
For a gifted deposit, a larger-than-usual loan amount, or an application outside lenders mortgage insurance eligibility, AFG Home Loans Options is another specialist product worth comparing.
Liberty Financial home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 7.69% p.a. | 7.95% p.a. | 85% |
| Variable Investor P&I | 7.74% p.a. | 7.97% p.a. | 60% |
| Fixed 1-year Owner-occupier P&I | 7.94% p.a. | 7.98% p.a. | 85% |
| Variable Investor interest-only | 7.99% p.a. | n/a | 70% |
| Variable Investor interest-only | 7.99% p.a. | n/a | 75% |
| Variable Owner-occupier interest-only | 7.99% p.a. | n/a | 60% |
| Variable Owner-occupier interest-only | 7.99% p.a. | n/a | 65% |
| Variable Investor P&I | 7.99% p.a. | n/a | 70% |
| Variable Investor P&I | 7.99% p.a. | n/a | 75% |
| Variable Investor P&I | 7.74% p.a. | 8.00% p.a. | 70% |
| Variable Investor P&I | 7.74% p.a. | 8.00% p.a. | 75% |
| Variable Owner-occupier P&I | 7.79% p.a. | 8.02% p.a. | 70% |
60 of 452 tracked Liberty Financial home loan products
Interest
7.74%p.a.
Comparison*
7.97%p.a.
Est. repayment
$3,579
LVR ≤60%
Interest
7.94%p.a.
Comparison*
7.98%p.a.
Est. repayment
$3,648
LVR 80 to 85%
Interest
7.99%p.a.
Comparison*
Not available
Est. interest only / month
$3,329
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.99%p.a.
Comparison*
Not available
Est. interest only / month
$3,329
LVR ≤75%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.99%p.a.
Comparison*
Not available
Est. interest only / month
$3,329
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.99%p.a.
Comparison*
Not available
Est. interest only / month
$3,329
LVR ≤65%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR ≤70%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR ≤75%
Interest
7.74%p.a.
Comparison*
8.00%p.a.
Est. repayment
$3,579
LVR ≤70%
Interest
7.74%p.a.
Comparison*
8.00%p.a.
Est. repayment
$3,579
LVR ≤75%
Interest
7.79%p.a.
Comparison*
8.02%p.a.
Est. repayment
$3,596
LVR ≤70%
Interest
7.94%p.a.
Comparison*
8.02%p.a.
Est. repayment
$3,648
LVR ≤85%
Interest
8.04%p.a.
Comparison*
Not available
Est. interest only / month
$3,350
LVR ≤65%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.79%p.a.
Comparison*
8.05%p.a.
Est. repayment
$3,596
LVR ≤80%
Interest
8.09%p.a.
Comparison*
Not available
Est. interest only / month
$3,371
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.09%p.a.
Comparison*
7.84%p.a.
Est. repayment
$3,700
LVR ≤80%
Interest
8.09%p.a.
Comparison*
8.03%p.a.
Est. repayment
$3,700
LVR 80 to 85%
Interest
8.09%p.a.
Comparison*
7.90%p.a.
Est. repayment
$3,700
LVR ≤80%
Interest
8.09%p.a.
Comparison*
8.07%p.a.
Est. repayment
$3,700
LVR 80 to 85%
Interest
8.09%p.a.
Comparison*
Not available
Est. interest only / month
$3,371
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.09%p.a.
Comparison*
Not available
Est. interest only / month
$3,371
LVR ≤65%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.89%p.a.
Comparison*
8.12%p.a.
Est. repayment
$3,631
LVR ≤65%
Interest
8.14%p.a.
Comparison*
Not available
Est. interest only / month
$3,392
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.14%p.a.
Comparison*
Not available
Est. interest only / month
$3,392
LVR ≤75%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.14%p.a.
Comparison*
Not available
Est. interest only / month
$3,392
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.14%p.a.
Comparison*
Not available
Est. interest only / month
$3,392
LVR ≤75%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.14%p.a.
Comparison*
Not available
Est. repayment
$3,718
LVR ≤80%
Interest
7.89%p.a.
Comparison*
8.15%p.a.
Est. repayment
$3,631
LVR ≤80%
Interest
8.19%p.a.
Comparison*
Not available
Est. repayment
$3,735
LVR ≤85%
Interest
8.19%p.a.
Comparison*
Not available
Est. interest only / month
$3,413
LVR ≤85%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.24%p.a.
Comparison*
Not available
Est. interest only / month
$3,433
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.24%p.a.
Comparison*
Not available
Est. interest only / month
$3,433
LVR ≤75%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.24%p.a.
Comparison*
Not available
Est. interest only / month
$3,433
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.04%p.a.
Comparison*
8.27%p.a.
Est. repayment
$3,683
LVR ≤50%
Interest
8.04%p.a.
Comparison*
8.27%p.a.
Est. repayment
$3,683
LVR ≤60%
Interest
8.04%p.a.
Comparison*
8.27%p.a.
Est. repayment
$3,683
LVR ≤75%
Interest
8.29%p.a.
Comparison*
Not available
Est. interest only / month
$3,454
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.29%p.a.
Comparison*
8.10%p.a.
Est. repayment
$3,770
LVR ≤80%
Interest
8.29%p.a.
Comparison*
Not available
Est. interest only / month
$3,454
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.04%p.a.
Comparison*
8.30%p.a.
Est. repayment
$3,683
LVR ≤85%
Interest
8.29%p.a.
Comparison*
8.33%p.a.
Est. repayment
$3,770
LVR 80 to 85%
Interest
8.34%p.a.
Comparison*
Not available
Est. interest only / month
$3,475
LVR ≤85%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.34%p.a.
Comparison*
Not available
Est. interest only / month
$3,475
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.34%p.a.
Comparison*
Not available
Est. interest only / month
$3,475
LVR ≤65%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.14%p.a.
Comparison*
8.37%p.a.
Est. repayment
$3,718
LVR ≤70%
Interest
8.39%p.a.
Comparison*
Not available
Est. interest only / month
$3,496
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.39%p.a.
Comparison*
Not available
Est. interest only / month
$3,496
LVR ≤65%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.19%p.a.
Comparison*
8.42%p.a.
Est. repayment
$3,735
LVR ≤65%
Interest
8.44%p.a.
Comparison*
Not available
Est. interest only / month
$3,517
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.44%p.a.
Comparison*
Not available
Est. interest only / month
$3,517
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.44%p.a.
Comparison*
Not available
Est. interest only / month
$3,517
LVR 80 to 85%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.44%p.a.
Comparison*
8.19%p.a.
Est. repayment
$3,823
LVR ≤80%
Interest
8.44%p.a.
Comparison*
8.38%p.a.
Est. repayment
$3,823
LVR 80 to 85%
Interest
8.44%p.a.
Comparison*
8.25%p.a.
Est. repayment
$3,823
LVR ≤80%
Interest
8.44%p.a.
Comparison*
8.42%p.a.
Est. repayment
$3,823
LVR 80 to 85%
Interest
8.39%p.a.
Comparison*
8.47%p.a.
Est. repayment
$3,806
LVR ≤90%
Interest
8.49%p.a.
Comparison*
Not available
Est. interest only / month
$3,538
LVR ≤70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.49%p.a.
Comparison*
Not available
Est. repayment
$3,841
LVR ≤80%
Interest
8.24%p.a.
Comparison*
8.50%p.a.
Est. repayment
$3,753
LVR ≤80%
*Important Information and Comparison Rate Warning
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.
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 fees, offset and limits at a glance
- Application or establishment fee
- $0 application fee for AAA unless purchasing/refinancing through company/trust or purchasing/refinancing…
- Discharge fee
- $395
- Settlement fee
- $495
- Additional valuation fee
- $330
- Rate lock fee
- $900 (non-refundable)
- Loan portability
- Refer to Liberty
- Offset account
- 100% Offset available on AAA Star and Free products only
- Lenders mortgage insurer
- Helia and QBE
- Capitalising LMI
- Full capitalisation of LMI to 99.9% for Owner occupied, 95% for investment.…
- Maximum total lending
- $10m maximum aggregate borrowings.
- Extra repayments on fixed
- YES, refer to Loan Contract, some penalties may apply
Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Liberty Financial home loans: frequently asked questions
What are Liberty Financial home loan rates?
Ratesniffers compares Liberty Financial home loan products by comparison rate. A verified Liberty Financial product example is Liberty Sharp AAA 80% LVR Owner Occupied P&I: 7.34% p.a. (7.42% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Liberty Financial product example is Liberty Star AAA 1 Year Fixed 80% - 85% LVR Owner Occupied P&I: 7.94% p.a. (7.98% comparison rate), 12-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 80% to 85%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. Compare Liberty Financial at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest Liberty Financial home loan rate?
A verified Liberty Financial product example is Liberty Sharp AAA 80% LVR Owner Occupied P&I: 7.34% p.a. (7.42% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Liberty Financial product example is Liberty Star AAA 1 Year Fixed 80% - 85% LVR Owner Occupied P&I: 7.94% p.a. (7.98% comparison rate), 12-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 80% to 85%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
What is the monthly repayment on a $600,000 Liberty Financial home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $4,130 a month before fees. The selected source example is Liberty Sharp AAA 80% LVR Owner Occupied P&I: 7.34% p.a. (7.42% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. Variable rates can change; this calculation does not establish eligibility or approval. 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. Use /calculators/repayment to model your own amount and term.
How much do you need to earn for a $500,000 Liberty Financial home loan?
There is no single salary requirement for a Liberty Financial home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish Liberty Financial's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does Liberty Financial's home loan rate compare to the market?
Compare Liberty Financial's product conditions and comparison rates with /home-loans. The available table does not establish a whole-market ranking or a personalised offer.
How many home loan products does Liberty Financial offer?
Ratesniffers currently tracks 452 Liberty Financial home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing 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?
Compare Liberty Financial's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
How often are Liberty Financial's home loan rates updated?
Ratesniffers refreshes Liberty Financial's home loan rates daily; this page was last updated 1 November 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.