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.
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.
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.
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.
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.
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.
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.
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Investor interest-only | 11.79% p.a. | n/a | 65% |
| Variable Owner-occupier interest-only | 11.84% p.a. | n/a | 75% |
| Variable Owner-occupier P&I | 11.64% p.a. | 11.87% p.a. | 70% |
| Variable Investor interest-only | 11.89% p.a. | n/a | 90% |
| Variable Investor P&I | 11.69% p.a. | 11.92% p.a. | 75% |
| Variable Owner-occupier interest-only | 11.94% p.a. | n/a | 70% |
| Variable Investor interest-only | 11.99% p.a. | n/a | 65% |
| Variable Owner-occupier interest-only | 11.99% p.a. | n/a | 85% |
| Variable Investor interest-only | 11.99% p.a. | n/a | 75% |
| Variable Investor P&I | 11.79% p.a. | 12.02% p.a. | 70% |
| Variable Investor interest-only | 12.04% p.a. | n/a | 80% |
| Variable Investor P&I | 11.84% p.a. | 12.07% p.a. | 85% |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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.
Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
