Answers to the most commonly asked questions

Term Deposit FAQs

Frequently asked questions

What does "first ranking" mean?

All Term Deposits issued by Liberty Financial Limited rank equally and are secured by a first ranking security interest over all personal property and a first ranking charge over all other assets of the company. Term Deposits will also rank equally with all other outstanding term deposits and other debenture stock previously or subsequently issued.

In the event of default investors claims rank ahead of all shareholders, unsecured loans and unsecured creditors. There could be claims which have preference by law over the Term Deposits.

For further information refer to the current Product Disclosure Statement.

Who is the Supervisor and what is their role?

Covenant Trustee Services Limited is the Supervisor and its duties are to hold the security created under the Trust Deed on behalf of the Stock Holders, to receive and consider regular financial reports provided by the company and if necessary enforce the Trust Deed on behalf of Stock Holders. Liberty Financial Limited and the auditor must provide certain financial and other information to the supervisor to facilitate the carrying out of the supervisor’s duties. The supervisor is also bound to carry out duties as prescribed by government regulation.

Who owns Liberty Financial Limited?

Liberty Financial Limited is wholly owned by Mike Pero Group Limited, who is in turn wholly owned by Liberty Financial Pty Ltd. Liberty Financial Pty Ltd is a leading independent finance company. Its businesses include residential and commercial mortgages, motor vehicle and investment products in Australia and New Zealand.

With approximately 300 professionals across Australia and New Zealand, the Liberty Financial group is an integrated financial services group that has raised more than $12 billion from domestic and international capital markets while helping more than 120,000 customers achieve their financial goals.

Where is my money invested?

Our focus is to provide residential mortgage lending and commercial equipment lending. It is our policy not to finance construction or property development projects, nor to provide finance for consumer goods, or grant loans to related parties of Liberty Financial Limited.

What is the minimum investment?

The minimum investment amount is $5,000.

What are the current investment terms and rates?

Our current investment terms and rates are available on our rates page or you can contact us on 0800 003 391. Our office is open Monday to Friday between 8:30am and 5:00pm.

For our full terms and conditions please refer to the current Product Disclosure Statement.

How will my interest be paid?

Liberty Financial Limited offers you a choice as to how you may receive your interest to suit your specific needs. Interest is paid each quarter by direct credit to your nominated bank account or you can choose to grow your investment by having your net interest capitalised and added to your investment. Depending on your selection, interest will be paid or capitalised on the last day of March, June, September and December each year. If the last day of the month is not a business day, then payment will be made on the next business day.

How will you keep me informed about my investment?

We will send you statements quarterly allowing you to track the status of your investments. You can also contact us on 0800 003 391. Our office is open Monday to Friday between 8:30am and 5:00pm.

How do I request a Product Disclosure Statement?

You can download a copy of the current Product Disclosure Statement here. If you would like us to send you a printed copy by post, just email your address details to or you can contact us on 0800 003 391. Our office is open Monday to Friday between 8:30am and 5:00pm.

Are Term Deposits guaranteed?

Liberty Financial Pty Ltd, the ultimate parent company of Liberty Financial Limited, provides a guarantee in respect of Term Deposits issued by us. This guarantee, which is irrevocable, may be called upon in the event that Liberty Financial Limited is unable to pay principal or interest to holders of Term Deposits for whatever reason. This guarantee is unconditional and unlimited in amount. your social media marketing partner
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Approved applicants only. Lending criteria apply. Fees and charges payable. Copyright © 2022 All rights reserved | Liberty Financial is a registered trademark.