About Us

First 4 Finance Pty Ltd is now an Authorised Credit Representative of Liberty Network Services, (Australian Credit Licence 408042). Liberty Network Services comprises of a national network of Liberty Advisers all of whom are independently owned, trading under the Liberty brand.

At Liberty, we believe that loan products should be easy to understand, easy to access & allow you peace of mind.

Think of Liberty as being a professional resource in the same way you think of your accountant, financial planner or solicitor. We are in the business of building ongoing relationships with our clients and to think of your best interests, not those of the bank.

By all means, please call the office for more information or clarification about your own circumstances.

Meet the team

Gary Strickland

Gary Strickland

Director / Liberty Advisor 0408 553 615 gstrickland@libertynetwork.com.au

Gary became a Mortgage & Finance broker in 1998 and is a founding Director of First 4 Finance.

During his career, Gary has gained several industry achievements including 2005 MPA Top 100 Broker in Australia, PLAN Australia Sales Master status in 2006 & 2007 and a Finalist in the 2015 Victorian Better Business Awards (Best Customer Service - individual section).

Gary holds a Diploma of Financial Services (Finance and Mortgage Broking Management) and is a Credit Adviser and Full Member of the MFAA (Mortgage & Finance Association of Australia) and FBAA (Finance Brokers Association of Australia).


Vanessa Rea

Senior Admin Assistant (03) 5561 7344 vrea@libertynetwork.com.au

Vanessa has been a valuable part of the team since 2013.

Vanessa has previous experience in the financial services industry working for a Queensland credit union & a mortgage broking business in Darwin.

Vanessa’s knowledge & experience enables her to assist our Advisers with loan applications & can confidently co-ordinate the loan process from application through to settlement liaising with clients, solicitors & lenders.

Vanessa is currently studying Certificate IV Finance & Mortgage Broking.

Zoe Purcell

Zoe Purcell

Admin Assistant (03) 5561 7344 zpurcell@libertynetwork.com.au

Zoe is our youngest member of the team at First 4 Finance.

Joining us in January 2016 after completing Year 12, Zoe’s friendly face at reception greets all new & existing clients with a warm welcome.

With a supporting team around her, Zoe gained a sound knowledge of the industry in her first 12 months & & continues to develop her skills in her role as an administration assistant to our Advisers.

Zoe holds a Certificate III in Business Administration.

We are first time buyers in the market and at our age, didn't have much experience with lenders. Thankfully, Tim and the team at First 4 Finance, quashed any worries we had and now we own our home in a wonderful estate. We highly recommend everyone to use their services. They are up-front, honest and reliable.

Name – Jacob & Jessica -

Lending Solutions

There are a number of products on the market and it is important that you find a solution that best suits your needs and serviceability.
We pride ourselves on our ability to get your loans settled! We have extensive experience in all things lending, including:

Home Loans

Buying a home is a big deal, no matter where you are on the property ladder. Whether on the lookout for your first home, your next home or an investment property, we can help you find home loan solutions that work for you. With access to a panel of 20 lenders the only thing that matters to us is finding the right home loan for you.

Commercial Loans

01'Commercial property' covers a range of options from office and retail space through to car parks and industrial properties such as warehouses and factories. It may be surprising, but investing in commercial properties can be affordable, sometimes costing less than many residential properties. There are a wide variety of commercial property loans available and most work in much the same way as a residential home loan. As an investor you can choose from a variable rate, fixed rate, combination between variable and fixed rate, principal and interest or interest-only loan, often with useful features available like fee-free additional repayments or an offset facility. If you’re looking to finance a commercial property, the team at First 4 Finance has access to a range of options that may suit you.

Motor Loans

04At First 4 Finance we make getting a car loan quick and hassle free. If you’re looking for a new car, used car or even a car for your business - speak with us about car finance and drive away today. With great car loan interest rates and finance solutions for self-employed (low-doc), people with bad credit or who need help financing older vehicles – Liberty car loans have options to suit you.

SMSF Loans

05Borrowing with a Self-Managed Super Fund (SMSF) is a popular option if your Self-Managed Super Fund (SMSF) is not able to buy an investment property outright. SMSF lending is a ready-made investment loan that helps you to tap into your SMSF to help you buy that residential or commercial property for your future financial security. SMSF loans are designed to work in harmony with your SMSF, enabling you to leverage the power of your super by tapping into our expertise in home finance and property investment.

Custom Loans

03At First 4 Finance, we recognise that no two people are the same and that your personal circumstances can change. That’s why we think differently about home loans and can find solutions in even the trickiest of situations. Our innovative approach to home loans lets us consider your individual circumstances to offer a custom loan solution that works for you. You may have irregular income sources, unusual properties or a bad credit history. We recognise that everyone’s situation is different and our custom home loans can work regardless of your circumstances.

Personal Loans

07Liberty personal loans range from $5,000 to $50,000, and give you the financial freedom to withdraw as much or as little as you need - when you need it. Because you only pay interest on the money you use, getting a Liberty unsecured personal loan is a smart choice. Apply online for either a Personal Best or Personal Choice loan and find out in minutes if you are approved.


The final step in the process involves protecting your assets, income, you and your family through a well considered insurance policy.

We have the experts available to provide you with a range of options delivering peace of mind into the future.

Contact us with your requirements and we’re sure to be able to assist you. Even if you are happy with your current insurer for your home, business or any other insurance requirement, call our office for a free second opinion.

Ensurance Capital

Ensurance Capital

First 4 Finance has partnered with a fully accredited insurance broker who can assist you to obtain insurance for your new home (or anything else for that matter!).

SHC is a full service insurance broker 100% owned by Ensurance Ltd. SHC is a successful national brokerage providing businesses / individual clients with the right insurance products at the right price.

Our broker partner can provide:

  • House & Contents Insurance
  • Landlords Insurance
  • Tradesman Insurance
  • Business Insurance
  • and more.

Contact our office to discuss your requirements or click here to obtain a house & contents quote. Just another way First 4 Finance can assist you through the whole home buying process.

LFI Group

LFI Group

LFI Group is an authorised general insurance company, acting under its own Australian Financial Services Licence. It is the issuer of LFI Mortgage Protection, LFI Loan Protection and LFI Vehicle Equity insurance.

Through a partnership with CGU insurance LFI also offers home and contents and car insurance products. To find out more about LFI Group contact our office or visit their website (www.lfi.com.au).

Moving Hub

Review & connect your utilities in one simple process.
No more need to shop around, ‘Move’ connects you with leading service providers to make your move the experience it should be – Awesome.

To connect utilities, simply select the services you are interested in and one of our Movologists will let you know what plans and services are available at your new address. We can help you organise your energy and water accounts, sort out your broadband and source obligation free quotes from a range of moving and maintenance service providers. From electricity to exit cleaning, we’ve got you covered.

Click here to arrange your free quote.

Why choose us

Why go to a bank that will only sell you their products? More and more Australians are using Mortgage and Finance Advisers such as First 4 Finance to guide them through the maze of lenders and loan products available today.

First 4 Finance has access to a vast range of lenders (including major banks) with hundreds of loan options for you to choose from. Whether you're or a seasoned investor, a first home buyer, upgrading to a new home or just not sure if your current bank is looking after you, contact First 4 Finance to arrange your free consultation.
Our industry leading customer service is what sets us apart from other home loan providers.  Our team will guide you through your home loan application process and into the future, including FREE annual reviews that you will value for the life of your loan.


First 4 Finance‘s commitment to you, our borrowers:
•  We will be easy to do business with
•  You will talk to a real person
•  We will get back to you
•  We will go the extra mile, every time
•  We will listen to what you want
•  We will provide a home loan that suits your needs
•  We will provide attractive interest rates
•  We are here to serve you, and you will be 100% satisfied with our service

When you call the team at First 4 Finance, your queries will be answered by a friendly team member. Not only that, our team is qualified and fully compliant so you can feel confident that you are in safe hands.

Thank you to Gary and the team, you have been fantastic in helping us secure our first home loan. We would be more than happy to recommend First 4 Finance to any friends or family that may be looking for advice on a loan.

Shaun & Lisa

Our Lenders

Adelaide Bank



Bank of Melb

Bank of Melb


Comm Bank


ING Direct




My State


Nab Broker

St George




What does a mortgage broker do?
Mortgage brokers are professionals in the home loan industry. They work with you to determine your borrowing needs and how much you can borrow. Brokers help ensure you don’t take out a loan that is too big for you.

Professional Mortgage Brokers only focus on loans. If you have a toothache, you go to the dentist not a florist. If your car is broken you take it to a mechanic not a librarian. You go to someone trained to help you with your specific need. It’s same when you need a loan.

Brokers have access to a wide variety of loans. This means your broker can find a loan that is just right for you.

Do you Charge fees for home and investment loans?
Some mortgage brokers charge a fee and some don’t. When you take out a loan via a Mortgage Broker – it does not cost you more. That is an absolute myth. Brokers get paid commission by the bank for bringing new business to them, this does not impact your rate or level of service.

Some brokers charge a fee for their service. They must disclose this fee upfront to you so you know what you will be up for if you engage their services.

Don’t you just recommend the lender who pays you the most commission?
Absolutely not! There is legislation in our industry, called the National Consumer Credit Protection Act or NCCP, that is designed to protect consumers and ensure ethical and professional standards in the finance industry. We tell you upfront what commission we will be getting from the bank. Our job, our only job, is to find the best loan for your needs and serviceability.
How much can I borrow?
This depends on how much you have saved for a deposit and what you current income and expenses are. Give us a call and we can go into your options in more detail, or check out the loan calculators page

Should I go fixed or variable?
I am only allowed to recommend a product based on what you say is most important to you eg “pay my loan off quickly” or “guaranteed repayments”.

I do however, live by the following; “if you want flexibility take a variable rate loan, if you want budget certainty take a fixed rate loan, if you want both, then do both”

I am not in your area, can we still work together?
Sure thing. First 4 Finance has clients throughout Victoria and interstate including QLD, WA and NT

Which lenders do you deal with?
I am a Liberty Advisor. This mean I have access to many lenders – these include the major banks, second tier lenders and credit unions. We can source you a loan from the lender of your choice.

Who sets interest rates?
The reserve Bank of Australia meet on the first Tuesday every month to determine the official cash rate for the country. The lenders then use this information to set their own rates. Mortgage brokers do not set rates.

Why should I use a mortgage broker if I can go with a bank?
When we talk about a ‘loan product’ we are preferring to the thousands of options that are currently available for you for your loan. Each bank (or lender) has loans of different loan options – low doc, package loans, re-draw facilities, plant and equipment loans, fixed, interest only, interested in advance, variable, introductory variable… the issues you face as a consumer is ‘which loan is right for me?’ And that is where a mortgage broker comes in. IF you go direct to the bank, you will only be offered the loan options available through that one lender. As your mortgage broker, we do all the leg work for you. We are across many lenders and all of their loan products and our sole purpose is to find the right loan for your needs.

"First 4 Finance" was highly recommended to me by friends when I was looking to buy a block of land and build my dream home. I can't thank Gary Strickland and the team at "First 4 Finance" for all their professional, friendly and on going support to get the best possible loan.

Name – Catherine

Contact Us

Keep in touch with us

When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with someone who has your best interests in mind now and in the long term. We have many years’ experience in finance and mortgage broking. Our aim is to find you the best loan for your needs, and make the process as simple and transparent as possible! Please get in touch with us today.

Ph: (03) 5561 7344 Fax: (03) 5561 4840 Email: Send Us An Email Address: 173 Lava Street, Warrnambool VIC 3280