Rachel Pratt
Rachel Pratt is a Liberty Adviser at Liberty Network Services with 30+ years of financial-services experience, specialising in residential mortgages, property-investor lending, SMSF loans and commercial finance. She holds the only Residential Mortgage Broker seat at BNI Coastal.
How long has Rachel been in finance?
More than 30 years.1 Her career began in client-facing banking as Manager, Mobile Lending at St. George Bank, then progressed through senior broking roles at PLAN Australia, Loan Market (Senior Mortgage Broker), LJ Hooker Commercial (Manager, Franchisee & Finance), Finance Achievers, and The Local Loan Company before joining Liberty Network Services.1
What kind of finance can Rachel help with?
Residential, investment, commercial, and SMSF lending, plus loan consolidation for clients juggling multiple facilities.1 As a Liberty Adviser she has access to Liberty Network Services' panel of 22 lenders, which lets her shop a client's scenario across mainstream banks and non-bank lenders simultaneously rather than being tied to a single lender's appetite.1
Is Rachel a properly accredited mortgage broker?
Yes. Rachel holds a Diploma in Finance and Mortgage Broking Management and is a member of the Mortgage and Finance Association of Australia (MFAA), the industry's primary professional body, which requires ongoing CPD, an industry-led code of practice, and external dispute-resolution membership.1
Lending scenarios Rachel handles
| Client scenario | Typical lending product |
|---|---|
| First home buyer | Owner-occupier home loans, First Home Guarantee / FHBAS support.[^1] |
| Property investor | Investment loans, interest-only structures, equity release.[^1] |
| Self-employed / SME owner | Alt-doc, low-doc and commercial lending across 22-lender panel.[^1] |
| Loan consolidation | Debt-restructure refinances bundling personal, credit-card, and home-loan debt.[^1] |
| SMSF property purchase | Limited-recourse borrowing arrangements (LRBA) for SMSFs.[^1] |
All loan structures depend on the client's individual circumstances, Rachel's role is to map the right product to the scenario.
What does a Liberty Adviser do differently from a bank lender?
A bank lender can only offer that bank's products. A Liberty Adviser like Rachel runs a single application across a panel of 22 lenders, so a self-employed buyer who would be declined by their own bank still gets the chance to be approved with an alternative.1 The fee comes from the lender, not the client, on most residential scenarios.
Ideal referral
First home buyers, investors building wealth through property, and SME owners needing business or asset finance.
Ideal referral partners
Real estate agents, property managers, accountants, financial planners, family lawyers and settlement agents.
Sources
- Rachel Pratt, Liberty Adviser, Liberty Network Services , ZoomInfo · 30+ years experience; service list; full career history; Diploma + MFAA membership; 22-lender Liberty panel
Other members in Property
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Gary WilkesHome Inspection · Sure Building Inspections
Helen HillamCleaning Services - Commercial · Electrodry Professional Home Services
Rebecca LuckensPest Control · Rockypest- RPRoza PearsonCleaning Services - Commercial · Jim’s Cleaning Cooloongup
Shaun HogarthReal Estate Agent - Residential · Acton | Belle Property Rockingham & Baldivis
Tracey FalkinghamProperty Management · Rental Management Australia Port Kennedy
About Rachel Pratt and Liberty Network Services
What does Liberty Network Services do?
Rachel Pratt is a Liberty Adviser at Liberty Network Services with 30+ years of financial-services experience, specialising in residential mortgages, property-investor lending, SMSF loans and commercial finance. She holds the only Residential Mortgage Broker seat at BNI Coastal.
Who is Rachel Pratt's ideal referral?
First home buyers, investors building wealth through property, and SME owners needing business or asset finance.
How do I refer business to Rachel Pratt?
Contact Liberty Network Services directly via their website (https://www.liberty.com.au), or pass the referral in person at the next BNI Coastal Rockingham meeting (Wednesdays, 6:45am).
Where is Liberty Network Services located?
Liberty Network Services is based in Secret Harbour, WA, and serves the wider City of Rockingham and City of Kwinana region as part of BNI Coastal, Rockingham.