We are here to help

At Liberty, we know things don’t always go as planned. If you're experiencing financial difficulty with your loan repayments, or a change in circumstances – such as a job loss, income reduction, illness or injury, or due to a natural disaster - we are here to help. We encourage you to contact us so we can discuss what support options may be available to you.

We have a range of support measures tailored to meet your individual circumstances. If you are a homeowner, a property investor, business owner or have a personal loan, we are here to help.

Our team of financial support specialists is locally based and we are experienced in assisting our customers to navigate challenging times. Many of us have loans, families, goals, aspirations and firsthand experience with financial hardship. So, we understand.

Financial hardship affects people in different ways. Our approach is to work with you to understand your circumstances and develop a solution.

Give us a call

The best way to let us help, is to call us between 8am - 6pm AEST on 13 11 33, or email help@liberty.com.au. If you'd prefer for one of our financial support specialists to give you a call, fill out the form below and we'll get in touch.

We will take the time to listen and understand your situation and carefully consider how we can help you get back on course.

Please call us if:

  • you’ve just missed a payment and are looking to catch up.

  • you’ve suffered a reduction or loss of income.

  • your circumstances have changed, and you’re concerned about making your loan repayments.

  • you’ve been impacted by a natural disaster and would like to know what assistance options are available to you.

We will ask you for some information to help us help you. This information is outlined in our Financial Hardship Form.

Download financial hardship form

Frequently asked questions

  • Call us on 13 11 33 between 8am and 6pm AEST, or email help@liberty.com.au. At Liberty, we understand that everyone’s circumstances are different. So that we can find a suitable support option to help you get 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 support option that can help you with your loan repayments.

  • You can reduce your current repayment amount to the minimum monthly repayment via your account on Liberty Online which you can access from the website menu. Or you can call us on 13 11 33 or email us at help@liberty.com.au.

  • We are committed to providing assistance that best suits your circumstances. The following is a list of some options available which we will discuss with you.

    • Redraw funds: Some Liberty loans have a redraw or offset feature. If you’re ahead on repayments, you will have available funds in your loan that you can access to supplement any loan repayments.

    • Adjust repayments: You might be paying down your loan with larger than required repayments. You can reduce your repayments to the minimum monthly repayment amount.

    • Reduce or defer repayments: You may request to reduce your repayments below your minimum monthly repayment amount. In some cases, you can request to pause your repayments for a period.

    • Switching to interest only: You may be eligible to switch to interest only repayments. This will temporarily reduce your repayments as you will only be paying the interest portion of your repayment.

    • Insurance: You may have insurance to cover you in the event of illness or involuntary unemployment. If you do have this insurance, check your Product Disclosure Statement and get in touch with your insurer.

  • Yes. We may be able to defer your repayments depending on your situation. It’s important to understand that if you stop making loan payments, interest is still charged, and your loan balance will continue to increase. You don’t have to make a lump sum payment at the end of your deferred repayment period. But when you start making payments again, your regular repayment amount will increase because your loan balance is higher. Please call us on 13 11 33 or email us at help@liberty.com.au to discuss putting an arrangement in place to defer or reduce your repayments.

  • Depending on your individual circumstances, we may be able to change your repayments from principal and interest to interest only. This will temporarily reduce your repayment amount. It is important to understand that if we do this, your loan balance will not reduce during this period which costs you more interest. Please call us on 13 11 33 or email us at help@liberty.com.au to discuss whether your loan will be eligible for interest only repayments.

Other help

You may also find the following helpful:

Financial counsellors, who can help you:

  • Organise your finances and prepare a budget.

  • Suggest ways to improve your financial situation.

  • See if you are eligible for government assistance or early release of superannuation.

  • With options and their consequences, including debt recovery procedures.

Listings of Financial Counsellors can be found at www.moneysmart.gov.au or by contacting the Financial Counselling hotline on 1800 007 007

If you are feeling stressed, overwhelmed or experiencing mental health difficulties help is available from organisations such as Headspace, Life in Mind Australia, Lifeline Australia and through the Department of Health’s Head to Health platform.

If you are experiencing or feel at risk of domestic or family violence, please call the 24-hour hotline 1800 RESPECT (1800 737 732) to obtain support.

If you have a small business and are struggling with your finances, you can visit the Small Business Debt Helpline for resources or call 1800 413 828 for confidential advice.

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Hardship enquiry

If your ability to make repayments has been impacted, support is available. Fill out the form below and we'll call you back.

Liberty Financial Pty Ltd ABN 55 077 248 983 | Credit provided by Secure Funding Pty Ltd ABN 25 081 982 872 | Australian Credit Licence 388133 | Both trading as Liberty Financial.