Liberty home loans come from Liberty Financial, a Melbourne-based non-bank lender established in 1997. Liberty Financial Group lists on the ASX under the code LFG and offers a wide range of loans, including home loans for self-employed borrowers as well as borrowers whose circumstances fall outside standard bank criteria.
This page is a factual profile to help borrowers understand who Liberty is and where its home loans may fit. However, it is not a recommendation, and it does not rate or rank the lender.
Liberty at a Glance
| Item | Detail |
|---|---|
| Lender type | Non-bank lender (not an authorised deposit-taking institution) |
| Owned by | Liberty Financial Group Limited, an ASX-listed company |
| Founded or established | 1997 |
| Headquarters (city) | Melbourne |
| Listed on the ASX | Yes, since December 2020 (code LFG) |
| Home loans for | Owner-occupiers, investors, self-employed borrowers, SMSF trustees and borrowers with a more complex credit history |
Ownership and History of Liberty
Founded in Melbourne in 1997, Liberty was one of the first non-bank financial institutions in Australia. It began in the residential mortgage market and later expanded into New Zealand, motor finance, commercial mortgages, personal loans, business loans, broking services and insurance.
After more than two decades as a private company, Liberty Financial Group listed on the Australian Securities Exchange in December 2020 under the code LFG. Meanwhile, the group’s registered office remains in Bourke Street, Melbourne.
In particular, Liberty Financial Pty Ltd, a subsidiary of the listed group, provides Liberty’s home loans. The group also operates related businesses such as Liberty Network Services, which supports its network of Liberty Advisers.
As a non-bank lender, Liberty does not operate as an authorised deposit-taking institution, so it does not take deposits. Rather, it funds its lending through wholesale funding and securitisation programs.
Sources for this section include the Liberty Financial Group fact sheet and Broker Daily’s report on its ASX listing.
Where Liberty Home Loans May Suit
Liberty describes its customers as including people that conventional finance does not serve well. Overall, based on the lender’s own material and independent coverage, Liberty home loans may suit:
- Self-employed borrowers, small business owners and contractors who need alternative income verification, such as bank statements, BAS or an accountant’s declaration, in some circumstances and subject to lender criteria.
- Borrowers whose credit history includes past events, whom Liberty may consider under its custom home loan options, depending on the circumstances.
- Borrowers wanting to consolidate debts into a home loan, subject to eligibility.
- Property investors, such as SMSF trustees looking at residential or commercial SMSF loans.
- Borrowers with a straightforward profile who simply want a competitive, flexible home loan from a non-bank lender.
Home Loan Types Liberty Offers
Liberty offers a broad range of lending. Verified home loan and related types include:
- Owner-occupied home loans
- Investment property loans
- Low doc home loans for self-employed borrowers
- Custom home loans for borrowers with a more complex credit history
- Debt consolidation home loans
- SMSF loans (residential and commercial)
- Car, personal, business and commercial loans (outside the home loan range)
Getting a Liberty Home Loan Through Ingram Financial
Of course, every lender has its own policies, processes and quirks, and they change often. Rather than working through them on your own, let Ingram Financial help you navigate the maze and compare Liberty with the other lenders on our panel.
Shannon Ingram, our principal broker, compares Liberty with the rest of the panel and then explains where each option fits your situation. We work with clients across the Sutherland Shire from Bangor, NSW, as well as with clients across Australia by phone and video.
In the meantime, to see current Liberty products, use the lender filter in our comparison tool. Then contact us or book a free chat to talk through your options.
Liberty Home Loan FAQs
No. Liberty is a non-bank lender. It does not hold a banking licence or take deposits. Instead, it funds its loans through wholesale funding and securitisation.
Liberty Financial Pty Ltd provides Liberty’s home loans, and it is part of Liberty Financial Group Limited, which listed on the ASX under the code LFG in December 2020.
Yes. Liberty offers full doc and low doc home loans for self-employed borrowers, with alternative income verification also available in some circumstances, subject to eligibility and lender criteria.
Yes. Liberty is also one of the lenders on the Ingram Financial panel, so Shannon Ingram can compare its products with other lenders for you.
Ingram Financial has no ownership ties to Liberty. Liberty is simply one of the lenders on our panel. We checked the lender information on this page in September 2026. However, it may change, and the lender sets product availability, policies and eligibility criteria.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply. Consider whether it is appropriate for you and speak to us for advice specific to your situation.