About Liberty Financial -Robert Ghavam

Welcome, I am Robert Ghavam, a senior mortgage broker and finance adviser. I have been supporting the local community for their finance matters for more than 15 years , I am available to provide service around Australia . I am able to meet with you in person or virtually to chat about your finance matters so give me a call to arrange an appointment. My service is FREE . I graduated from Australian university in Business, Accounting and Finance and am a fully qualified credit adviser with Finance Brokers Association of Australia (FBAA) and Credit Investment Ombudsman (CIO). Robert speak English , Persian ( Farsi)

Home Loan Services for Iranian & Farsi-Speaking Clients in Australia

1. Home Loan Services – What I Can Do For You

We provide tailored home loan solutions for a wide range of borrowers—first home buyers, investors, refinancers, and self-employed clients. With access to multiple lenders and competitive products, I do the research, compare options, and negotiate on your behalf. Whether it’s your first home or fifth investment property, I’ll make the process simple and stress-free. Best of all, my expert service is completely free to you.

2. First Home Buyer Support – Step-by-Step Guidance

Buying your first home is an exciting journey, and I’m here to support you every step of the way. I’ll help you understand your borrowing power, walk you through grants and incentives like the First Home Owner Grant (FHOG), and secure a loan that fits your goals. From pre-approval to settlement, I provide clear, honest advice to make sure your first purchase is a smooth and successful experience.

3. Investment Property Lending – Build Long-Term Wealth

Looking to build wealth through property investment? I’ll help you find the right loan structure to maximise returns, reduce risk, and align with your strategy. Whether you're purchasing your first investment or adding to your portfolio, I’ll guide you on loan options like interest- only terms, offset accounts, and the impact of rental income on your borrowing capacity. Smart financing is key to successful investing.

4. Understanding Loan Types – Fixed vs Variable Rates

Choosing the right type of home loan is essential to managing your finances. A fixed-rate loan gives you repayment certainty, while a variable-rate loan offers more flexibility and potential savings if rates fall. Each option has its pros and cons—I’ll explain them clearly and help you decide based on your lifestyle, budget, and future plans.

5. What is Lenders Mortgage Insurance (LMI)?

If your deposit is less than 20%, you might need to pay Lenders Mortgage Insurance (LMI)—a one-off premium that protects the lender, not the borrower. It allows you to buy sooner with a smaller deposit, but it’s important to understand the cost. I’ll show you options to reduce or avoid LMI altogether, such as using a guarantor or accessing government schemes.

6. The Loan Application Process – What to Expect

Not sure what happens after you decide to get a home loan? Here's the process: we begin with a quick chat to understand your needs, then get you pre-approved so you can shop with confidence. Once you've found your property, I manage the application, work with the lender, and guide you through to settlement. I handle the details, so you don’t have to.

7. Get in Touch – Book Your Free Consultation

Whether you’re buying, investing, or refinancing, I’m here to help. With over 15 years’ experience and a strong focus on personalised service, I’ll provide clear, trustworthy advice tailored to your goals. I speak both English and Persian (Farsi) and offer appointments in person or online—whatever suits you best. Let’s chat about your finance options—give me a call today to book your free consultation.

Monday:8:30 AM-6 PM

Tuesday:8:30 AM-6 PM

Wednesday:8:30 AM-6PM

Thursday:8:30 AM-7:30 PM

Friday:8:30 AM-6PM

Saturday:8:30 AM-2 PM