Loans for
free thinkers

Frequently asked questions

• What does Liberty do?

  Liberty is a leading lender that’s all about giving people more choice when it comes to finance. We take a free-thinking approach to help customers find solutions that work for them – even when others say it's not possible. Whether you’re looking for a home loan, car finance, business funding, or a personal loan, we’ve got options to suit a wide range of needs.

  Over nearly 30 years, we’ve helped nearly one million customers by advancing more than $30 billion in funds. Our flexible and innovative approach is what sets us apart. Plus, we partner with innovative fintech’s such as Moula and MoneyPlace to offer even more options for individuals and business owners.

• How does Liberty differ from a bank?

  Liberty is a licenced credit provider that operates across Australia, but we’re not a bank – we're a non-bank lender. That means we’re not an Authorised Deposit-Taking Institution (ADI), and while we don’t hold savings accounts, we do focus on lending. Non-bank lenders (or non-ADIs) like Liberty play a big role in helping Australians access the funds they need, lending billions every year. We’re proud to be a lender that offers free-thinking financial loans and have done so for close to 30 years.

• Is Liberty available all around Australia?

  Liberty operates nationwide – from Sydney to Melbourne, Hobart, Canberra, Brisbane, Perth, and regional areas. Wherever you are, there’s a Liberty Adviser nearby and ready to help. 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 solutions to reach your goals. Find a trusted local expert and start your journey today.

• Does Liberty offer pre-approval?

  Yes! You can apply for indicative pre-approval with Liberty. While pre-approval does not guarantee you will get a loan, it’s a great starting point – especially if you’re house hunting. Our indicative pre-approval tool gives you an estimate of what you may be able to borrow. Just answer a few quick questions and you’ll be on your way.

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

  We’re here to help. If you’re finding it difficult to keep up with your loan, visit our financial hardship page or get in touch with us. You can call us on 13 11 33 between 8am and 6pm AEDT, or email help@liberty.com.au.

  At Liberty, we understand everyone’s circumstances are different. To find the best way forward, we may need some details about your current financial position. We may ask about your income and expenses and request supporting documents. Once we have that information, we’ll work with you to create a plan that can help you stay on track.