??!

I have always had great service when I have called.

As previously mentioned always great service when on the phone.
In regards to the rate, when we signed up we were told the rate would be a little lower than what we started at but we chose to go ahead. Over the 1 1/2 years we have had more than one increased interest rate when others have been quite a lot lower. I am hope when the next rate cut comes in by the Reserve Bank we also get this cut.

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Customer Service
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Timeliness
Online Tools
Loan TypeVariable Rate
Loan used for:First Home
1 comment
Hi Susan, Thank you for your kind words, we love hearing that you have had a good customer experience. Kind Regards, The Liberty Team

Genuinely about helping

I recently called for a home loan rate review in light of RBA cutting interest rates. The process was streamlined and painless and managed to cut my rates down to a rate that was slightly above industry average. Very happy with the customer service department (Callum) and their good work. Highly recommended!!

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Customer Service
Online Tools
Loan TypeVariable Rate
Loan used for:Refinancing
1 comment
Thanks for reaching out to us. Our Lending Specialists strive to deliver every one of our borrowers a tailored experience and we're thrilled to hear that we were able to assist you with your loan. Thank you for taking the time to share your positive experience. Warm regards, The Liberty Team

Interest rate reduction April 2019.

Thanks for reviewing my home loan back on the 4th April Mohamed Farahat
Lending Specialist, dropping the interest rate to 3.99%. 9 years with liberty now, they always have been very communicative and easy to deal with, I stuck it out originally as they refunded my establishment fee after a few years, was well worth it.....plus offer me rate reviews every year, and always seem to deliver on the Federal Reserve cuts too, expecting a letter in the mail again. The only thing I was disappointed in was I couldn’t get a loan for my renovations on the house, considering I pay more than my weekly amount every time for entire 9 years I’ve had my loan and my credit history is top notch! Unbelievable!

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Customer Service
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Loan TypeVariable Rate
Loan Start DateSeptember 2010
Loan used for:First Home
1 comment
Dear Cameron, Thank you for taking the time to leave your positive feedback. We are glad that we were able to achieve a positive outcome for your current home loan. In regards to loan amount increases, that is subject to a full assessment and a number of factors for an account to be eligible. Please do not hesitate to liaise with our sales team, should you wish to explore your options further, we look forward to more future positive dealings with you. Kind Regards, The Liberty Team

Great service. Very helpful

Jacob at liberty was very easy to deal with. He was more than happy to answer any questions I had. He got me a good rate on my loan. I would refer him and liberty to anyone looking for a car loan.

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Loan TypeFixed Rate
1 comment
Hi Tom! Thank you for your kind words for Jacob and his services. It's great to see that the loan application was an easy and straight forward process for you without any hassles. We look forward to further positive dealings with you in the future. Kind Regards, The Liberty Team

I rang to question the interest rate on my home loan.

I spoke to Callum Jackson and he provided very good and prompt service.

The actual reduction in the rate was 0.45% which I was pleased with. However, the actual reduction in the monthly payments was $200 which seems low. I would have expected something above $300 and maybe closer to $400.

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Timeliness
Loan TypeVariable Rate

Liberty Made it Happen !

An excellent experience working with Liberty from home loan application to settlement process. My lending specialist was Lara Donaldson, who actively worked on the application and kept me constantly informed with updates. Thanks heaps to Lara who made one important part of the home-buying process less stressful !
In general, nice to see a reasonable and responsible small lender in the market and wish on their successful future growth. We need more like Liberty in the home loan market to bring up real competition.

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Loan TypeVariable Rate
1 comment
Hi Praveen, We are incredibly happy that we made your home-buying experience a breeze! Thank you for taking the time to write this review and showing your appreciation for Lara's services. Congratulations on your purchase! All the best, The Liberty Team

A Wonderful Experience!!

i am one happy customer!!! i never met with sales rep (Athan) and everything was so easy to get settled, communication was really great! and the overall customer service, from both Athan and Jacob was truly amazing. The interest rate i got on my carloan, no other lender could of done better, especially NOT the major banks.
i am really pleased with my experience and the service i received with Liberty.

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Loan TypeFixed Rate
Loan Start DateJune 2019
Car ModelKia Cerato
1 comment
Hi Paige, Thank you for considering Liberty as an alternative to the banks. It's great to hear that you've had such a positive experience with two of our Lending Specialists - and of course we trust this level of service will continue! We look forward to more positive dealings with you moving forwards! Kind regards, The Liberty Team

Good to deal with

Jacob was helpful with information when I called to reduce my rate! Made it easy. Would recommend! I was happy with my reduced rate so won't be looking to change.

1 comment
Hi Samantha,, Thank you for your kind words regarding the service provided by Jacob. At Liberty we pride ourselves in finding a suitable option catered for your needs. We look forward to future positive dealings with you in the future. Kind Regards, The Liberty Team

New Home Loan !

Home loan specialist Lara helped throughout the application process and kept everything moving along as required to complete all requirements in time for settlement that went through without a hitch !
Very much appreciated.

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Customer Service
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Loan TypeVariable Rate
Loan Start DateMay 2019
Loan used for:Second Home
1 comment
Hi Ray, We are delighted Lara has met and exceeded your customer service standards and congratulate you on your purchase! We appreciate you taking the time to fill out the review and look forward to dealing with you in the future. Kind Regards, The Liberty Team

Excellent service

Jacob Bullen was brilliant, he was very helpful. Great communication. Happy with the loan , very satisfied with the rate with the loan. Recommend liberty and Jacob for any future loans

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Customer Service
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Loan TypeFixed Rate
Loan Start DateMay 2019
Car ModelToyota HiLux MK8.I (2015-Present)
1 comment
Dear Dave, Thank you for sharing your experience with Liberty and in particular Jacob. We are pleased to have helped you get financial and support you from the start to end. Congratulations on settlement. The team here at Liberty hope to see further positive dealings with you in the future. Best Regards, The Liberty Team

Re-Finance home loan

Matthew was fantastic in his approach and willing provide explanation to the questions i had.
However Libertys request for probate to be sourced by us was incorrect as my mother was still alive and probate was not required . We ried explaining this on a number of occasions and was not until our solicitor engaged Liberty that this was then taken off the conditions of the loan. Also the fee relating to this was left on the schedule and we had to ask for it to be removed. (This correspondence between our Solicitor & Liberty has also cost us $$ which we had to pay)
Otherwise i think Matthew did his best to sort out s few of these issues and feel that he may benefit with training in this area.

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Customer Service
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Loan TypeVariable Rate
Loan Start DateMarch 2019
Loan used for:Refinancing
1 comment
Hi Brad, Thanks for the feedback you have for our team member, Matthew. We strive to provide the best service possible and are happy that the overall end result was a positive one. We will continue to work on the services provided to ensure our customers expectations are exceeded. We look forward to future positive dealings with you in the future. Kind Regards, The Liberty Team

Easy Process, Good Deal

Jacob at Liberty was easy to deal with and worked with me to get the deal settled and finalised. They even managed the issue when NAB had not cleared the title of the car

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan Start DateMay 2019
Car ModelToyota HiLux MK8.I (2015-Present)
1 comment
Hi Terry, Thank you for considering Liberty as an alternative to the banks. It's great to hear that you've had such a positive experience and we trust this will continue! Kind regards, The Liberty Team

Making my home comfortable for my older age

Lending Specialist, Matthew Pacuribot, helped me through the process with expert guidance and constant patience. Matthew explained each step and was of great help when I really did not know how to complete some paper work. I had no unexpected costs. Matthew is a great asset to Liberty Financial

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Loan TypeFixed Rate
Loan Start DateMarch 2005
Loan used for:Renovation
1 comment
Good Afternoon Oreg, Thank you for your kind words you have left for Matthew's services. We are glad that his guidance and patience assisted you in having your loan successfully settled. We look forward to future positive dealings with you in the future. Kind Regards, The Liberty Team

Always helpful and informed.

Callum was easy to deal with and understood my position. Well informed and knowledgeable He listened and was able to offer a solution without being prompted. An easy pleasant experience.

Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
Loan used for:First Home
1 comment
Dear Jarrod, Thank you for your positive feedback on the service Liberty and Callum have provided. We are glad that we were able to achieve a positive outcome for your current home loan. We look forward to future positive dealings with you. Kind Regards, The Liberty Team

Fantastic Service and Customer Focus

Jacob provided all of the information i needed in a swift manner. This allowed the process from start to finish to move quickly, reaching settlement very quickly. Awesome customer service!

Transparency
Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
Loan Start DateMay 2019
1 comment
Thanks for reaching out to us James. Our Lending Specialists strive to deliver every one of our borrowers a tailored experience and we're thrilled to hear that we were able to assist you with your loan. Thank you for taking the time to share your positive experience. Warm regards, The Liberty Team

A very pleasant experience

Matthew Pacuribot has been extremely helpful during our refinancing. His communications have been helpful and supportive throughout the whole process and all questions respectfully answered and explained. It has been a relief to have the support during this process.

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Customer Service
1 comment
Hi Glenda, Thank you for the kind words you have left for Matthew. We are glad that his support and helpfulness allowed for a timely and easy loan process. We look forward to future positive dealings with you in the future. Kind Regards, The Liberty Team

Easy and effective

Contacted to request a rate review, after a few minutes on hold, I had an answer and a positive outcome. Thank you for making it a painless and pleasant outcome

Customer Service
Timeliness
Loan TypeVariable Rate

Excellent service from Callum Lending Specialist

I called to discuss a few things including our home loan rate being reviewed. Callum provided excellent service, fast & efficient. I was very happy with the outcome and the work Callum did.

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Customer Service
Application Process
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Online Tools
Loan TypeVariable Rate
1 comment
Hi Jah, Thank you for your kind words for Callum and his services. We are thrilled to see that the rate reduction was an easy and straight forward process for you without the hassles. We look forward to further positive dealings with you in the future. Kind Regards, The Liberty Team

Exelent service exelent consultant helpful advise

Mohamed provided me with easy to understand information about the product the process was very simple providing me with a loan to suit my needs I did not loose any time from work during the whole process

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Customer Service
Application Process
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Loan TypeFixed Rate
Loan Start DateMay 2019
1 comment
Dear Bruce, Thank you for your excellent feedback. We are delighted Mohamed has met and exceeded your customer service expectations and we congratulate you on settlement. We appreciate you taking the time to fill out the review and look forward to dealing with you in the future. Thank you for choosing Liberty. Kind Regards, The Liberty Team

Happy with liberty

I have been happy with Liberty home loan. I was approached by another lender offering a lower rate. 3.85%. Liberty couldn’t match but did lower to 3.99% from 4.67. Which was all done over phone. Easy and I’m happy with my new rate. And to stay with liberty.

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Loan TypeVariable Rate
Loan used for:First Home

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Questions & Answers

Hi, Can I get a top up with a star variable home loan? Thank, michele
1 answer
Hi Michele, great question! Liberty can often assist customer's in accessing equity in their current home and increase their Liberty loan, subject to a few requirements. Usually the best place to start is by contacting your broker, or the Sales team on 13 11 33. Feel free to send a Private Message with your contact details if you would like one of the team to reach out. Kind Regards, The Liberty Team

What is Liberty's policy on how much overseas income is considered when assessing loans? We currently get 62% of our income from U.S. sources, social security, teacher retirement pension, and IRA's. The rest is from allocated and defined benefit pensions here in Australia. We take in over $9,000 per month after taxes, and our expenses are $4,000 per month not including rent. We have no debts and over $100k in the bank.
1 answer
Hi Paul M, that's a great question! Liberty can use many sources of income however there are some restrictions on overseas income and liabilities. We do look at everything on a case by case basis and a number of factors contribute to how much income we can consider for a particular application. Please provide us with your contact details via private message, we would love to reach out to you and discuss your query in more detail to see how we can assist. Kind Regards, The Liberty Team.

I'm just wondering about lending restrictions on rural areas, postcode 2622? Also, if a settlement were to be delayed (more than 12 months), would liberty look at contract price or valuation price to work out LVR? Thanks.
1 answer
Hi Siobhanwright, that's a great question! Our security location restrictions are not only based on postcode, but also the type, size and purpose of the security property. We like to look at everything on a case by case basis and a number of factors contribute to how much we could lend for a particular scenario. Please provide us with your contact details via private message, we would love to reach out to you and discuss this scenario in more detail to see how we can assist. Cheers, The Liberty Team.