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Founded: 1997

Lender Type: Specialist Lender

Owned by: Privately Owned

Liberty is a customer-focussed specialist lender with a range of home loan products for borrowers who may have trouble getting approval from traditional banks. This lender was founded by American Sherman Ma, who saw a need for better specialist lending services in Australia. A relatively new lender, Liberty has already helped more than 210,000 customers with flexible financial products.

Key Benefits

Low deposit loans
Low doc and no doc options
Competitive rates with large deposits


High fees on all loan products
High rates for some loans
Very expensive LMI

Home Loan Products

Compare Home Loans

Home Loans Description

Liberty Sharp

This is a straightforward loan with a competitive rate if you able to put down a high deposit. You can make additional repayments as much as you want and redraw when needed and choose to repay weekly, fortnightly, or monthly. You won’t have to pay any ongoing account fees but this loan does come with a hefty application fee. Also, keep in mind you can only borrow up to $500,000.

Liberty Star

If you want a flexible loan, Liberty Star will give you more including unlimited splits and a 100% offset facility. Also, your maximum loan amount is three times that of the Liberty Sharp loan product. You’ll get the same useful features to help you control your finances as Liberty Sharp as well, such as additional repayments, redraw, and flexible repayments. You can also take advantage of a fixed rate and rate lock if you want to be able to better budget for your future.


Liberty was awarded the CANSTAR Outstanding Value Award for a Variable Low Doc Home Loan for their Self-employed loan product. This is a practical option for start-up business owners and who need a little extra support from a lender due to unique circumstances. You can apply with a full doc or low doc loan and use your funding to help establish your business, consolidate debt, or for cash when you need working capital for your business.

Low Deposit

Liberty Financial will let you borrow up to 95% of the property value and still enjoy a full-featured loan with redraw, additional repayments, flexible repayment options, and the option to split your loan. This loan will even work if you don’t have genuine savings to prove, such as if you are getting your deposit as a gift.

Credit History

Just because you’ve had past financial hiccups, that doesn’t mean you shouldn’t be able to own your own home now. Liberty has a unique Credit History loan product for borrowers with a bad credit history. It does come with high rates and fees but it can offer a much needed second chance for many borrowers.

Debt Consolidation

Simplify your debts with this Debt Consolidation loan. You can borrow up to 95% of the purchase price and take advantage of flexible features like redraw and split loans. You can also consolidate your debts into one convenient monthly repayment so you can pay one bill and move on with your life.

Liberty SuperCredit

This SMSF loan can be used for either residential or commercial investments, helping you get more out of your super and allowing you to make a smart investment for your future. It doesn’t come with a lot of the features of owner-occupier loans but as long as you don’t borrow more than 80% of the purchase price, you can enjoy a competitive variable interest rate.

Out of the Box

Searching for a good no doc loan or a product that can tailor to your very unique circumstances? Liberty Financial has the perfect loan for the borrower who simply doesn’t fit within the typical borrower profile. Enjoy a custom product to suit your needs and income while borrowing up to 95% and still getting all the flexibility features of a typical loan like redraw and additional repayments.

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