Non-bank lender that says yes when others say no. Specialist in self-employed, bad credit, and non-standard borrowers.
Variable Rate from
5.99%
Fixed Rate from
6.09%
Comparison Rate
6.14%
Liberty Financial is one of Australia's largest non-bank lenders, ASX-listed and established in 1997. They've helped over 750,000 customers access finance, with a particular strength in serving borrowers who don't fit the traditional bank mould.
Liberty's philosophy is "free thinking" lending - they assess each application on its individual merits rather than applying rigid, one-size-fits-all criteria. This makes them a go-to option for self-employed borrowers, people with credit issues, and anyone whose financial situation doesn't fit neatly into a bank's checkbox. As a non-bank, Liberty uses a lower serviceability buffer (typically 2%) than APRA-regulated banks (3%), meaning you can often borrow more.
Liberty is one of the best lenders for self-employed people. They can assess income from day 1 of ABN, accept BAS statements, and use alternative income verification methods that banks won't consider.
Previous defaults, paid or unpaid? Discharged bankrupt? Part IX debt agreement? Liberty has products specifically designed for people rebuilding their credit. They look at the whole picture, not just the score.
Liberty uses a 2% serviceability buffer instead of the 3% that APRA banks must use. This can increase your borrowing capacity by 10-15%, which can be the difference between getting the home you want and missing out.
Been knocked back by a bank? Liberty is often the next stop. They specialise in finding solutions where mainstream lenders can't. A good broker (like us) knows exactly which Liberty product fits your situation.
For borrowers with clean credit and standard income. Liberty's most competitive rate, with offset and redraw available.
Rate: 5.99% p.a. (owner-occupied, P&I, LVR <80%)
For self-employed borrowers who can't provide full financial statements. Use BAS, bank statements, or accountant's letter as income evidence.
Rate: From 6.29% p.a. (varies by documentation and LVR)
For borrowers with previous defaults, judgments, or discharged bankruptcy. Higher rates reflect the risk, but provides a path to homeownership while rebuilding credit.
Rate: From 6.99% p.a. (varies by credit history and LVR)
Lock in your rate for certainty. Available across prime, low-doc, and credit repair product tiers. Terms from 1 to 5 years.
Rate: 6.09% p.a. (prime, 2-year fixed, owner-occupied, P&I)
BAS statements, bank statements, accountant letters, or tax returns. Liberty accepts a wide range of income evidence to help you qualify.
As a non-bank, Liberty uses a 2% buffer (not 3% like APRA banks). This means higher borrowing capacity for the same income.
Start with Liberty at a higher rate, then refinance to a cheaper lender once your credit improves. A stepping stone to better options.
Liberty is often faster than banks for complex applications. Their assessors are trained to handle non-standard scenarios efficiently.
We'll compare Liberty against 31 other lenders to find the best fit for your unique situation.
Compare Liberty & 31 Others →✓ Free service ✓ Expert advice ✓ Better rates negotiated ✓ 2 minute assessment
