Frequently asked questions

Frequently asked questions

• What type of financial loans does Liberty offer?

  At Liberty, we focus on flexibility and finding solutions that work for you. If you’re in the market for a home loan, car loan, personal loan or business loan, refinancing or debt consolidation, we’ve got options to help. We know everyone’s situation is different, so our products are designed to be flexible and customisable. If you’re self-employed, have a low deposit or your credit history isn’t perfect, speak to a Liberty Adviser today about our financial loan options.

• What do I need to be eligible for a loan with Liberty?

  At Liberty, we like to keep things practical when it comes to your financial loan application. In most cases, we’ll need the usual documents such as bank statements and proof of income. In other cases, we can be more flexible to help those with unique circumstances. We don’t think your past should define your future. Instead, we look at your whole story to find more ways to get to ‘yes’. With a range of flexible loan options, we aim to match you with a solution that suits your needs. Want to see if you qualify for a loan with Liberty? Chat with a Liberty Adviser today.

• Can a Liberty Adviser help me with financial loans?

  Absolutely! When it’s time to apply for a loan, a finance broker or loan specialist is a good place to start. The role of a Liberty Adviser is to help you find the lending solution that best fits your needs. Liberty Advisers know the market well, with access to a wide panel of lenders and regular contact with them. Applying for a loan can feel overwhelming with all the options and paperwork and requirements – and that’s where your Liberty Adviser steps in. They’ll guide you through the process and help you navigate the maze to find a lender and a solution that works for you.

• Does Liberty offer loans to self-employed or people with unique income situations?

  Absolutely! At Liberty, we understand not everyone fits the standard mould. If you’re self-employed, a contractor, or have a unique income situation, we offer flexible low doc loan options to help you reach your goals. We take a free-thinking approach to lending and look beyond the numbers to find a solution that works for your circumstances. Want to explore your options? Chat to a Liberty Adviser today.

• Can Liberty help if I have a low credit score?

  A low credit score doesn’t have to be the end of the road. At Liberty, we believe your past shouldn’t define your future. That’s why we offer solutions for all kinds of free thinkers. We take the time to understand your circumstances and find ways to help put your plans into action. Liberty offers a range of flexible lending solutions, so to see what’s possible, speak with a Liberty Adviser today.

• Does Liberty offer refinancing options?

  Yes! Whether you’re looking to reduce your repayments, consolidate debt, or unlock equity, Liberty offers refinancing solutions to suit a range of needs. Our flexible approach means we can help, even if your situation is a little unique. We’ll work with you to find a solution that aligns with your goals.

• What documents do I need to apply for a Liberty loan?

  In most cases, you will need standard documents like proof of income and bank statements to apply for a loan. However, we understand that everyone’s situation is unique, which is why we offer practical alternatives for self-employed or non-traditional borrowers. For help figuring out what you need when applying for a loan, reach out to a Liberty Adviser.

• Does Liberty offer online loan applications?

  Yes! Liberty offers personal loans with a convenient online application. You can discover your personalised rate in under two minutes, and it won’t affect your credit score. If you’re looking to start your home, car, business, commercial, or SMSF loan application with Liberty, reach out to your local Liberty Adviser who can guide you through each step.

• Can Liberty help with business loans or commercial property finance?

  Liberty offers flexible business loans and commercial lending solutions. Whether you’re looking to expand, invest, or manage cash flow, we have options to help you achieve your goals. From low doc business loans to low rate commercial loans, our free-thinking solutions are designed to support business of all sizes, from all industries.

• Does Liberty provide calculators and tools to estimate repayments?

  Liberty has a range of handy online calculators and tools to help you estimate repayments and understand your borrowing power. From our indicative pre-approval home loan tool to our car loan repayment calculator, get a clearer idea of what a loan could look like for you. Our calculators and tools are free to use, so you can plan with confidence.