Liberty

Office address: Level 16, 535 Bourke St Melbourne VIC 3000
Website: www.liberty.com.au
Year established: 1997
Company type: financial services
Employees: 500+
Expertise: residential finance, secured finance, financial services, specialty lending
Parent company: Liberty Financial Group
CEO and key people: James Boyle, CEO
Financing status: -

Liberty is an independently-owned Australian non-bank lender that has been offering a broad spectrum of financial products and services since 1997. Recognised for providing greater choice and freedom through what it calls free-thinking solutions, Liberty caters to customers across Australia and New Zealand. 

History of Liberty

Liberty was set up in 1997 with a mission to offer innovative and flexible financial solutions. Its targets are those who: 

  • are self-employed 
  • have a low deposit 
  • have a problematic credit history 

For 25 years, Liberty has successfully served more than 850,000 customers, underlining its pivotal role in enabling financial freedom and choice for a broad clientele. It is a certified B Corp organisation, placing equal emphasis on purpose and profit. When it earned accreditation in 2020, Liberty was the largest B Corp entity in Australasia.  

Products and Services of Liberty

Liberty's product range includes these services, especially aimed at free thinkers: 

  • home loans: flexible financing for home buyers, investors, and refinancers 
  • SMSF Loans: investment property loans for Self-Managed Super Funds 
  • car loans: financing options for new or used vehicles for personal or commercial use 
  • commercial property loans: financial solutions for investing in commercial property, funding operations, or buying business equipment 
  • personal loans: versatile loans for consolidating debts, covering emergency expenses, or paying for home renovations 
  • business loans: tailored loans to support business growth, buy equipment, or boost working capital 

Culture at Liberty

Liberty's culture is driven by their FLAIR values: Fair, Learning, Accountable, Invested, and Resourceful, which reflect their commitment to diversity, inclusion, and continuous learning.  

The company offers comprehensive employee benefits with an emphasis on health, well-being, and financial security. Their recruitment process is designed to be inclusive, welcoming candidates from diverse backgrounds to join their team. In the Liberty workplace, innovation, responsibility, and personal growth are highly valued.  

About Liberty CEO James Boyle

James Boyle has been leading Liberty as its CEO since 2016, taking on the additional role of Director of the Liberty Financial Group in November 2020. Boyle's leadership is marked by a focus on agility, curiosity, and innovation. 

Boyle has nearly 30 years’ experience in the financial services industry, 20 years of which were with Liberty. Before he joined the company as COO in 2003, he was vice president at US investment firm State Street. He holds an MBA from INSEAD and a Master of Applied Finance from Macquarie University. 

The Future at Liberty

Liberty is financially robust with plans to expand its product range and reach more customers, leveraging its investment-grade status for growth while navigating potential challenges.  

The company is enhancing ESG practices, marked by a significant improvement in its B Impact score and launching eco-friendly loan options. Liberty is also aiming for carbon neutrality by 2030. Future strategies include sustainable growth, enhancing digital customer experiences, and maintaining a disciplined approach to benefit stakeholders. 

Real Broker 27: FBAA chief’s plan to cut the noise for brokers

Leo Gagic explains why trust, not tech, will keep mortgage brokers in business as AI reshapes lending

Real Broker 27: FBAA chief’s plan to cut the noise for brokers

Second non-bank joins 5% Deposit Scheme panel

Brokers now have another low-deposit option for first home buyers

Second non-bank joins 5% Deposit Scheme panel

Telling the self-employed lending story

Self-employed borrowers don’t fit a template anymore, and the brokers who can tell their story are the ones who’ll stand out

Telling the self-employed lending story

Firstmac’s alt-doc debut takes on Pepper Money and rivals

Brisbane-based lender targets top-tier self-employed borrowers in a segment led by prominent incumbents

Firstmac’s alt-doc debut takes on Pepper Money and rivals

Revealed: Australia’s top non-bank lenders of 2026

Lender scores a three-peat as more mortgage brokers than ever turn to non-banks

Revealed: Australia’s top non-bank lenders of 2026

Australian Mortgage Awards 2026: three cheers for the judges

MPA thanks the 35-member judging panel that picked the best mortgage brokers, lenders and aggregators of 2026

Australian Mortgage Awards 2026: three cheers for the judges

Australian Mortgage Awards 2026: Winners gallery

Check out images and quotes from the winners and sponsors of this year's Australian Mortgage Awards

Australian Mortgage Awards 2026: Winners gallery

Australian Mortgage Awards 2026 winners revealed!

Mortgage brokers, brokerages, lenders and aggregators honoured at industry's biggest night of 2026

Australian Mortgage Awards 2026 winners revealed!

BOQ mortgage book narrows amid digital migration

Business lending picks up the slack as second-tier lender moves to a single digital platform

BOQ mortgage book narrows amid digital migration

AMP Bank mortgage book slips

Non-major targets margin, capital efficiency over volume growth in third quarter

AMP Bank mortgage book slips