Credit Guide

1. About Us

2. What Credit Assistance Do We Provide?

We provide credit assistance in relation to:

• Home loans (owner-occupied and investment)
• Refinancing existing mortgages
• Construction loans
• First home buyer loans
• SMSF lending
• Commercial property finance

We act as an intermediary between you and potential lenders. We help you understand your options, recommend suitable products, and assist with the application process.

3. Our Lender Panel

We have access to products from over 30 lenders. This includes major banks, second-tier lenders, and specialist providers. A list of our panel lenders is available upon request.

Important: We may not compare all products in the market. Our recommendations are limited to products available through our lender panel.

4. Our Obligations to You

Under the National Consumer Credit Protection Act 2009, we must:

• Act in your best interests when providing credit assistance
• Make reasonable enquiries about your requirements, objectives, and financial situation
• Assess product suitability - we must not recommend a product if it would be unsuitable for you
• Provide disclosure documents including this Credit Guide and a Credit Proposal Disclosure before you enter a credit contract
• Maintain professional standards and comply with responsible lending obligations

5. Fees and Charges

Our Fees

Standard residential loans: Our service is generally provided at no cost to you. We are remunerated by the lender when your loan settles.

Complex or commercial loans: In some circumstances, a fee may apply. This will be discussed with you upfront and documented in writing before any work commences.

Commissions We Receive

When your loan settles, we receive commissions from the lender. These typically include:

• Upfront commission: A one-time payment when the loan settles, typically 0.5% - 0.7% of the loan amount (including GST)
• Trail commission: An ongoing payment while the loan remains open, typically 0.15% - 0.25% of the loan balance per annum (including GST)

Commission rates vary by lender and product. Specific commission amounts for your recommended product will be disclosed in your Credit Proposal Disclosure document.

Referral Fees

We may pay or receive referral fees to/from other professionals (such as real estate agents or accountants) for referring clients. Any such arrangements will be disclosed to you.

6. Conflicts of Interest

We may have associations or relationships that could influence our recommendations. We manage potential conflicts by:

• Prioritizing your interests as required by law
• Disclosing any conflicts that may arise
• Maintaining policies to identify and manage conflicts
• Ensuring commissions do not influence our recommendations

7. Privacy

We collect personal and financial information to assess your loan eligibility and provide our services. Your information may be shared with lenders, credit reporting bodies, and other parties as necessary. For full details, see our Privacy Policy.

8. Complaints

If you have a complaint about our services, we encourage you to contact us first:

We will acknowledge your complaint within 1 business day and aim to resolve it within 30 days.

If you are not satisfied with our response, you can escalate to our external dispute resolution scheme:

9. Professional Indemnity Insurance

We maintain professional indemnity insurance that covers the work we do as a credit representative. This insurance complies with the requirements of the National Consumer Credit Protection Act 2009.

10. Contact Us

If you have questions about this Credit Guide or our services: