Website Notifications

Get notifications in real-time for staying up to date with content that matters to you.

Liberty keen to capture investor demand

brendanodonell  x brendanodonell  x
James Mitchell & Huntley Mitchell 4 minute read

Liberty Financial is hungry for a bigger slice of the investor home loan market as the APRA-regulated banks pull back on landlord lending.

Liberty Network Services managing director Brendan O’Donnell says the group still has plenty of capacity to write mortgages for property investment and sees huge upside potential for the non-bank in the changing regulatory environment.

Mr O’Donnell acknowledged APRA’s recent regulatory measures but told The Adviser that, in his opinion, demand for property investment will not see any significant contraction as a result of the crackdown.

“There is a need to have lenders out there who can meet that demand and certainly from a Liberty point of view we are ready and set to do that,” he said.


“There are always winners and losers in times of change and right now, in the short term, we are here to write more business.”

Liberty’s rates are looking favourable relative to the majors and in some cases are cheaper than the big four, Mr O’Donnell said.

Liberty’s standard variable rate is 4.24 per cent (with a comparison rate of 4.31 per cent) on loans with an LVR of 80 per cent, and under and 4.74 per cent (with a comparison rate of 4.81 per cent) on loans with an LVR over 80 per cent.

However, while the non-bank has plenty of capacity to grow its investor loan book, Mr O’Donnell says that growth must be carefully managed.

“We’ve got to be careful that we manage our service levels and expectations and that we manage growth in that particular category,” he said.


“Obviously we’ve got a wide range of asset classes and want to grow a good balanced book at Liberty. So we need to be careful about how we grow our investment portfolio but certainly we’re open for business.”

[Related: Industry heavyweights weigh up impacts of lending changes]

Liberty keen to capture investor demand
brendanodonell  x
TheAdviser logo

If you’re feeling overworked and overwhelmed in this fast-paced mortgage market, it’s time to make some changes, and the Business Accelerator Program can help! Work smarter, not harder, in 2022 and beyond, visit the website here to secure your ticket.

brendanodonell  x
James Mitchell

James Mitchell

James Mitchell has over eight years’ experience as a financial reporter and is the editor of Wealth and Wellness at Momentum Media.

He has a sound pedigree to cover the business of mortgages and the converging financial services sector having reported for leading finance titles InvestorDaily, InvestorWeekly, Accountants Daily, ifa, Mortgage Business, Residential Property Manager, Real Estate Business, SMSF Adviser, Smart Property Investment, and The Adviser.

He has also been published in The Daily Telegraph and contributed online to FST Media and Mergermarket, part of the Financial Times Group.

James holds a BA (Hons) in English Literature and an MA in Journalism.



more from the adviser
Stephen Moore headshot

Breaking News

Brokers will dictate future of Choice, FAST, PLAN: White

After its management restructure, Loan Market Group will continue...

Peter Lock Kerry Betros Heritage

Breaking News

Heritage leaders address merger proposal concerns

The chairman and chief executive of Heritage Bank have addressed ...

uptick graph

Breaking News

Wisr reports 113% loan book growth

The non-bank lender originated a record $132 million over the las...