Liberty Financial

Starting life in 1997, non-bank lender Liberty Financial has become a specialist in consumer loans, offering everything from home loans and personal loans, to car loans, business loans, low doc loans and SuperCredit loans.

Liberty Financial is funded by some of the world's largest financial institutions including Deutsche Bank, Credit Suisse and National Australia Bank.

The backing behind Liberty, allows it to offer flexible loan solutions with personalised attention, with a focus on helping those struggling to get a loan achieve their goal.

Liberty’s innovation and flexibility in loan management has led them to help over 600,000 customers by advancing over $28 billion in funds.

Liberty is an award winning, alternative loan provider that offers innovative loan solutions and customer-friendly financial products and services at competitive prices.

Liberty Financial

Home loans

Liberty Financial has a home loan for every type of circumstance. Its two key home loans are: Liberty Sharp and Liberty Star.

1. Liberty Sharp

This home loan has no account keeping or settlement fees and offers a very competitive interest rate, with the ability to choose how often you would like to make payments: weekly, fortnightly or monthly. You can also make additional and lump sum payments without being penalised.

If you have made any extra payments or have equity, you can make use of the redraw facility.

The Liberty Sharp home loan is suitable for first home buyers, owner-occupiers and investors and suits those who need to borrow $100,000 to $500,000.

There is no option for interest only and there is no offset account.

2. Liberty Star

If you need to borrow a larger amount of money, the Liberty Star home loan may be what you are after. You can borrow $50,000 to $3,000,000. There are no upfront fees and you have the benefit of a 100% offset account that comes with a Visa Debit card. Use the redraw facility if you have made any extra repayments or use that extra amount to reduce the length of your loan. You can choose between weekly, fortnightly, monthly repayments and can benefit from interest-only repayments as well.

This home loan also gives you the ability to split your loan between variable and fixed rates and is suitable for owner-occupiers and investors.

Borrowers can borrow up to 95% of the property value, however lenders mortgage insurance is required for loans above 80%.

3. A range of home loan solutions

Liberty Financial also has a range of home loan solutions for those in trickier situations:

  • Self-employed – self-employed workers and start-up businesses can borrow up to $2M, with a low deposit.
  • Low deposit – good for first time buyers with a small deposit
  • Credit history – for those with a bad credit rating who have moved forward. Liberty Financial can help clear defaults, mortgage arrears or pay ATO debt. Borrow up to $3M.
  • Debt consolidation – for those who want to combine their credit card, home loan and personal loan debts into one easy payment.

Car Loans

There are two key types of car loans: Liberty Drive and Liberty Business.

1. Liberty Drive

Described as their hassle free car loan, you can borrow from $5,000 to $100,000 on a loan term of two-to-seven years. Customers can choose between weekly, fortnightly or monthly repayments, with balloon payments also available. Ongoing monthly fees are payable.

2. Liberty Business

Liberty Business car loans offer a competitive fixed interest rate. You can make repayments weekly, fortnightly or monthly, with balloon payments also available. Borrow from $5,000 to $100,000 and pay the loan off between two and seven years. As with Liberty Drive ongoing monthly fees do apply.

There are further options for customers looking for a car loan.

Low Doc

As with the Home Loan option, Liberty Financial offers a Low Doc loan that is suitable for those who are self-employed, or who may find it difficult to prove their income in the usual way. Borrow from $5,000 to $80,000 and choose a loan term from 2-7 years. You can make repayments weekly, fortnightly or monthly, with balloon payments also available. There are ongoing monthly fees with this loan. Alternative proof of income is accepted.

‘Out of the Box’ car loan

The Out of Box car loan helps those with poor credit history, irregular income or older vehicles up top years, find a loan solution. Essentially, this loan can be customised to meet your needs, in the most challenging of financial situations.

Personal Loans

Enjoy the certainty that comes with fixed repayments at a rate tailored to your needs.

Borrow from $5000 to $50,000 and choose a term loan from three to seven years. You can make repayments weekly, fortnightly or monthly and make additional repayments without being penalised. You only need to pay interest on the outstanding balance. There are no ongoing fees or early termination fees. Liberty Financial will personalise your rate and turnaround the application quickly to give you piece of mind.

SuperCredit loan

If you are unable to purchase an investment property outright, a Self-Managed Super Fund (SMSF) loan might be a good option.

Liberty SuperCredit helps customers tap into their Self-Managed Super fund, with a ready-made SMSF investment loan designed to help you buy an investment property. Loans are not limited SMSF size and they feature no minimum contribution requirements. You must, however, maintain a minimum amount within your SMSF after the settlement of your investment.

You can borrow from $100,000 to $4,000,000 with the option to pay principal and interest or interest on its own. You can also make additional repayments without being penalised. Repayments can be made weekly, fortnightly or monthly.

Commercial Loans

Liberty also offer a variety of commercial loans. Each option allows you to borrow from $100,000 to $4,000,000. There are low doc and no doc options and no hidden fees.

Commercial loans include:

  • Liberty Enterprise – the most popular commercial loan for people looking to buy commercial property.
  • Liberty LeaseStream – property investors can use their lease income to service a loan for that property.
  • Liberty Boost – a short term finance option for commercial requirements.

Business Loans

If you are after a business loan and are self-employed or own a small business, Liberty has you covered. Enjoy competitive rates, no hidden fees, interest only available and choose between fixed and variable rates.

Business Loans include:

  • Liberty Mint – Quick access to funds of between $25,000 to $3M to help you grow your business.
  • Liberty Lift – A business loan that does not require a mortgage security. Borrow up to $1M.
  • Liberty Access – Line of credit from $25,000 to $1M.


  • No ongoing fees or early termination fees on personal loans
  • Loan solutions for those who may usually find it difficult to secure a loan including the self- employed.
  • No shortage of loan solutions across a range of borrowing needs.
  • Personalised rates available on some loans.
  • Flexible repayment options


  • There is no option for interest only on Liberty Sharp Home Loan.
  • There is no offset account on Liberty Sharp Home Loan.
  • Ongoing monthly fees on low doc loans.