Liberty Loans

Liberty Financial Pty Ltd. is a provider of financial products such as residential loans, commercial loans, asset and debtor loans catering to personal and business needs.

The institution offers financing options for mortgages, investing in property, when looking to purchase a vehicle or for a consolidation of debts, if need be.

In terms of mortgages, Liberty Financial has varied options of products with differing degrees of documentation needed (see below), under terms of fixed or variable rate in addition to interest only loans.

Documentation Needed for a Mortgage.

Full doc loan: Full documentation is needed to verify the customer’s income (payslips).
Interest rates are generally lower under a full doc loan.

Low doc loan: This loan is geared towards self-employed applicants (with a minimum 12 months’ ABN & GST registration) unable to provide business financials but able to supply some supporting documentation such as BAS statements.

No doc loan: No income documentation is needed for this loan however it is only available for business or investment purposes. This loan is suitable for applicants who desire a short term facility for investment purposes and are not able to provide full documentation.

Additionally, the option to change the home loan (refinancing from the existing lender) is available with Liberty Financial.

Financing a car through Liberty Financial is available to non-business customers seeking to buy a car from Licensed Motor Car Traders or Dealers for personal, day-to-day use only. The company offers car financing options with a loan term of two to five years with fixed interest for the term of the agreement. The loan amounts start at a minimum of $8,000 with the maximal approvable amount at $120,000. Repayments can be made monthly, fortnightly or weekly by means of direct debit only.

Vehicles Loans through Liberty Financial can only be up to nine years old and there are restrictions on which type of vehicles can be purchased. New, used and demonstration vehicles, 4WD, people movers up to seven seats and utes up to one tonne are acceptable.

Applicants under 23 years of age will need to have good stability in employment and a proven good credit history on items such as rent, credit card or another loan, for example. A valid driver’s license (displaying a current residential address) is needed. Learner’s permits are not acceptable.

Motor bikes, boats and caravans; high performance vehicles for drivers below the age of 23 and certain motor vehicle brands such as TATA, Morgan, TVR, Seat, Daihatsu and Lada are excluded from financing by Liberty Financial.

For business, Liberty Financial offers a range of commercial lending solutions to help customers fund commercial property purchases. Liberty Financial does not offer construction loans but provides loans on commercial properties across Australia’s metropolitan and regional centres.

Debtor loans (i.e. invoice discounting) provides the borrower with loans based on the value of its outstanding debts and is intended for business to raise working capital. A revolving credit facility is set up to provide funding at up to 90% of the value of invoices being issued by the business. The rest is made available to the business (minus any fees or interest) when the borrower’s customer (the debtor) pays.

We say YES more often APPLY NOW

Our clients say
our clients say
  • "Thank you for all your help with processing the loan and keeping me up-to-date on the progress. We have utilised ‘Yes Loans’ twice and are completely amazed with the process and ease that you present to your customers. **It has been a delight dealing with yourself and ‘Yes Loans’ and will not hesitate to recommend your business to all that I come across. **It can be quite daunting at times applying for a loan and I can tell you that your customer service skills far outweigh any company I deal with on a day to day basis."

    Adam F - April, 2015
  • "I would like to thank you again for a relatively painless process in getting the funds sorted for us, working away makes such things difficult and usually means taking time off work to organize. I will recommend Yes Loans to all that want to listen, thanks again"

    Tony K
  • "Thank you very much for your help much appreciated"

    David S
  • "Thanks Chris for all your help. I haven't purchased a car for a while, let alone taken out a loan. Your clear, concise information made the whole process so much easier. What's more you cared! Each step of the way you checked in with me to make sure I understood where the process was at and that I was happy with how things were moving. I have worked in the retail and service industry for decades, so I understand what should happen during any transaction. Chris and Yes Loans tick all the boxes. "

    Dean H - June 2015
  • "on behalf of my wife Hazel and myself , I would like to thank you for all your help and good advice you gave us regarding the purchase of our new car , using your company “Yes Loans” for finance. Most people will be able to tell you of a bad experience relating to car finance but ours was totally the opposite. From start to finish we were made to feel very comfortable about the whole process, and able to understand all the facts and figures. It was a surprisingly pleasant experience and did not drag on for hours. Completing all the paper work on the initial visit made things even easier, and not having to return on multiple occasions was a bonus. I would have no hesitation in recommending you and your company to any of my family or friends should they require finance for their own purchase."

    Derek E - June, 2015
  • "Tony and all the staff at Yes Loans provided exceptional service, which led to me choosing their product over the competition. My circumstances were complicated with 2 sales falling over before the final one was made. Thanks to the keen attention to detail by Yes Loans staff, I was alerted to fraudulent activity by a seller, in time to call the deal off. Finally, Tony managed to achieve settlement in a short period of time and provide a very competitive interest rate for my dream vehicle. The communication I received from Tony and Colleagues was prompt and professional and I will not hesitate to refer them on to my family and friends."

    Gabriel - June 2015
  • 'Hi Darral I couldn't thank you enough for the whole process of sale. You went over and **beyond the call of duty** especially when we've both been playing phone tag with each other. Customer service is everything and from a previous sales and marketing manager background I could not fault you any where. I've always stuck to the rule of 10....1 person tells 10 people on there experience and those 10 people tell another 10 people and so on and so on. I'll highly recommend you to friends and family that are looking for vehicles in the future. Once again thank you. "

    Gavin J - July, 2015
  • "I picked the car up yesterday afternoon and I just wanted to say thank you so much for all the time and effort you put into helping us get it. The car is just awesome and that you put it through as a business vehicle so I can claim it come tax time makes you an absolute legend. Again, thank you very much."

    Lissa
  • "We have used Yes Loans now several times for our Car finance, this being our 4th transaction that they have helped us with and every time it has been such a pleasurable experience, **very easy and smooth transaction with no hassles and quick service. ** We definitely will be back again. Thanks to Daniel for such professional and fast service."

    Maria & Rob - June 2015
  • "Thank you so much, the car was exactly my dream car thank you."

    Melissa
  • "Thanks very much for your help in finding me a loan. I will indeed enjoy my car! I will be sure to recommend you to anyone who asks."

    Simon I
  • "Hello Steve, I’d Like to point out an exceptional employee you have working for you Nathan Hanna. From our first contact Nathan has conducted himself in a professional & highly proficient manner, I felt extremely confident with the service he provided and finding a solution to an issue with my vehicle being a grey import. Which many finance company’s don’t touch, Nathan found a financier which I’m very grateful. The whole experience has been a pleasure your company certainly raises the bar in customer service which you can’t get from other companies. Nathan is a real credit to your team. I will most definitely be recommending Nathan & your company to others."

    Mike B - Sept 2015
  • "Your service and support has been nothing but outstanding. We are so happy with our van, and we will spread the word around if we know anyone is after finance."

    Stuart
  • "A big thank you to Tony Williams at Yes Loans for the **great service in the last week making my dream of having a new car a reality.** Within one week of deciding to buy a new car Tony had the finance organised and I had my new car a week later. Very professional and efficient service from Yes loans. Thanks you very much. "

    Susanne De - July, 2015
  • "Thanks for all your help. You handled everything very efficiently and professionally. Made my life and part in all this very easy. Thanks again and all the best to you."

    Tony
  • "The service provided by Yes Loans was better than any other loan institution or bank I have worked with. What they promised they delivered and it was done professionally and with a sense of urgency and customer service that few banks could match. I have been a long term customer of a bank and had numerous loans with them for houses, cars and home improvements for a period of fifteen years. Despite an excellent credit history, my last effort to get a small loan to re-finance a car took over two weeks to process. Then having approved the loan, the bank made my life difficult by asking for endless changes to paper work, pay slips and bank details because of the time they took to process the loan. In frustration, I rang Yes loans. Within 24 hours the process was all but complete. There was a minor issue with setting up a new account to handle the funds, but this was no problem. Daniel at Yes Loans patiently helped me out and made the process easy, so that the funds were able to arrive as soon as the new bank account was set up. I am grateful for the professional way in which my business was handled and have no hesitation in recommending Yes Loans to anyone in need of a loan." Thanks Grant for your feedback!

    Grant - Feb 2015
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