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 900,000 customers by advancing more than $30 billion in funds, over 27 years.

• 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 27 years.

• What size deposit do I need for a home loan?

  Generally speaking, the larger your deposit the lower your interest rate. However, at Liberty we understand that not all borrowers can pull together a large deposit. We can help you find a solution that works for you. We offer a range of home loans to help more free thinkers like you get financial and into their new home.

• Does Liberty offer loans for first home buyers?

  At Liberty, we offer free-thinking home loans for every homebuyer – even those who are just beginning their journey. Wherever you are on the property ladder, Liberty can help you find home loan solutions that work for you. We understand that not all homebuyers fit into the same box, which is why we take a free-thinking approach. Whether it’s your first home, next home, or an investment property, we can work with you to find a home loan that fits.

• How do I qualify for a home loan?

  At Liberty, we take a practical approach to your home loan application. In most cases, we'll 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 believe your past should affect your future, so 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 home loans.

• What if I'm self-employed or have bad credit?

  At Liberty, we look at the whole picture when assessing an application for a home loan. Even if you have a less-than-perfect credit history, we have solutions to take this into account. We know life has its ups and downs, but your dreams of homeownership shouldn’t have to suffer. Being upfront with your broker about any credit issues can help put you on the path toward home loan success.

• 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.