Loans for
free thinkers

Frequently asked questions

• What does Liberty do?

  Liberty is a leading lender that offers free-thinking solutions at competitive prices to support customers with greater choice. With a wide range of financial loans for your home, car, business and personal needs, Liberty can help customers get financial even when others say it's not possible. Our innovative and flexible approach has allowed us to help over 850,000 customers by advancing more than $30 billion in funds, over 25 years.

• What type of financial loans does Liberty offer?

  Whether in the market for a new home, car, personal or business loan, refinancing or debt consolidation, Liberty is a lender that can work with you to find a product suitable for you. We have a variety of flexible and customisable products to help borrowers from all walks of life get financial. Whether you are self-employed, have a low deposit or less than perfect credit history, speak to a Liberty Adviser today about our financial loan options.

• What services does Liberty offer?

  As a flexible and free-thinking alternative to the banks, Liberty strives to help more customers get financial. Liberty is excited to partner with innovative fintechs such as Moula and MoneyPlace to offer even more flexibility and innovation to customers and small business owners. As a free-thinking lender, we offer a full spectrum of solutions for home, car, SMSF, personal and business purposes.

• How does Liberty differ from a bank?

  Liberty is a licenced credit provider that operates in each Australian state and territory but unlike a bank it is not an Authorised Deposit-Taking Institution (ADI). Non-bank lenders (or non-ADIs) like Liberty make up a significant part of the lending market in Australia, lending billions of dollars to help Australians access the funds they need to make big things happen. We are proud to be a lender that offers free-thinking financial loans and have done so for more than 25 years.

• How do I qualify for a financial loan?

  At Liberty, we take a practical approach to your financial loan application. In most cases, we will need to meet standard requirements such as bank statements and proof of income. In other cases, we can be more flexible with our free-thinking solutions to help those with unique circumstances. We don’t think your past should affect your future, which is why we look at an applicant’s whole story to find more ways to get to ‘yes’. To ensure each applicant is matched to a solution that suits them, Liberty offers a range of free-thinking financial loans. To see if you qualify for a loan with Liberty, speak with a Liberty Adviser today.

• Does Liberty offer pre-approval?

  Yes, you can apply for indicative pre-approval with Liberty. Keep in mind that having pre-approval from a lender does not guarantee you will get a loan, but it can be a good place to start. If you’re searching for a new home, you can use our indicative pre-approval tool to get an estimate of what you may be able to borrow. Simply answer a few questions about yourself to get started.

• Where does Liberty operate?

  Liberty operates all around Australia. From Sydney to Melbourne, Hobart, Canberra, Brisbane, Perth, and regional areas – there’s a Liberty Adviser just around the corner. Liberty Advisers are more than just mortgage brokers. Whether you’re looking for a home, car, personal, business or SMSF loan, they can help you find a lender with solutions to help reach your goals. Find a trusted local expert and get started on your journey today.

• Can a Liberty Adviser help me with financial loans?

  When the time comes to apply for a financial loan, seeking the services of a finance broker or loan specialist is a good place to start. The role of a Liberty Adviser is to help clients identify and obtain the financial loans that best suit their needs. Liberty Advisers know the market well as they have access to a wide panel of lenders, and they are in contact with each of those lenders on a regular basis. When the time comes to apply for a loan, many borrowers are confused by the different options available and overwhelmed by the paperwork and requirements. Your Liberty Adviser will help you navigate this maze to find a lender with a solution that suits you.

• What do I do if I'm experiencing financial difficulty?

  We’re here to help. Find out more on our financial hardship page. Alternatively, you can call us on 13 11 33 between 8am and 6pm AEDT, or email help@liberty.com.au. At Liberty, we understand that everyone’s circumstances are different. So that we can find a suitable option to help you stay on track with your loan, we may need some further information about your current financial position. Typically, we may seek information about your income and expenses and request appropriate supporting documents. With that information, we will work with you to determine a way forward that can help you with your financial difficulty.