Terms of Service

Last updated: January 2025

1. Agreement to Terms

By accessing or using the J2C Mortgage Advisory website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. About Our Services

J2C Mortgage Advisory provides mortgage broking services, including loan comparison, application assistance, and financial guidance. We are authorised credit representatives operating under Australian Credit Law.

Our services are subject to the National Consumer Credit Protection Act 2009 (Cth) and relevant regulations. We are required to act in your best interests when providing credit assistance.

3. Website Use

3.1 Permitted Use

You may use our website to:

  • Learn about our mortgage broking services
  • Use our calculators and tools for informational purposes
  • Submit enquiries and booking requests
  • Access educational content about home loans

3.2 Prohibited Use

You must not:

  • Use the website for any unlawful purpose
  • Attempt to gain unauthorised access to our systems
  • Transmit viruses, malware, or harmful code
  • Scrape, copy, or reproduce our content without permission
  • Use automated systems to access the website excessively
  • Impersonate any person or entity

4. Calculator Disclaimers

The calculators on our website (borrowing power, repayment, stamp duty, refinance) provide estimates only. They are designed to give you a general indication and should not be relied upon for financial decisions.

Calculator results are based on the information you provide and standard industry assumptions. Actual loan amounts, repayments, and costs will depend on your specific circumstances, lender policies, and current market conditions.

Always seek personalised advice from a qualified mortgage broker or financial adviser before making financial decisions.

5. AI Chatbot

Our website features an AI-powered chatbot to assist with general enquiries. The chatbot provides general information only and does not constitute financial advice. Information provided by the chatbot should be verified with our team before acting upon it.

6. No Financial Advice

The information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. It is not intended to be financial, legal, or tax advice.

Before making any financial decisions, you should consider seeking independent advice from a qualified professional and read the relevant Product Disclosure Statements and terms and conditions.

7. Credit Assistance

When we provide credit assistance (helping you apply for a loan), we are required to:

  • Act in your best interests
  • Provide you with a Credit Guide before providing assistance
  • Make reasonable enquiries about your requirements and objectives
  • Assess whether any recommended product is not unsuitable for you
  • Provide you with a Credit Proposal Disclosure document

8. Fees and Commissions

Our mortgage broking services are generally provided at no cost to you. We receive commissions from lenders when your loan settles. In some circumstances, a fee may apply (for example, for complex or commercial transactions). Any fees will be disclosed to you in advance and documented in our Credit Proposal Disclosure.

9. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of J2C Mortgage Advisory or our licensors and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from our content without prior written permission.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Links do not imply endorsement.

11. Limitation of Liability

To the maximum extent permitted by law, J2C Mortgage Advisory and its representatives are not liable for any indirect, incidental, special, or consequential damages arising from your use of our website or services.

Our liability is limited to the amount of any fees paid by you for our services, or if no fees were paid, to the cost of resupplying the relevant services.

12. Indemnity

You agree to indemnify and hold harmless J2C Mortgage Advisory and its representatives from any claims, damages, or expenses arising from your use of our website or services, or your breach of these terms.

13. Privacy

Your use of our website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

14. Modifications

We may modify these Terms of Service at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the website after changes constitutes acceptance of the modified terms.

15. Governing Law

These Terms of Service are governed by the laws of Victoria, Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of Victoria.

16. Complaints

If you have a complaint about our services, please contact us first at ask@j2cmortgage.com.au. If you are not satisfied with our response, you can escalate your complaint to:

17. Contact Us

For questions about these Terms of Service, please contact us: