Important information about our credit services, how we work, and your rights as a consumer.
This Credit Guide is required by the National Consumer Credit Protection Act 2009 (Cth) ("NCCP Act"). It is designed to give you important information about us, our services, how we are paid, and what to do if you have a concern or complaint.
Please read it carefully and keep a copy for your records.
We are a mortgage broker. We provide credit assistance by:
We access a panel of 40+ lenders including major banks, regional banks, credit unions, and non-bank specialist lenders. We will tell you which lenders are on our panel when we discuss your options.
We do not provide credit — we connect you with credit providers. We are also not authorised to provide financial product advice, legal advice, or tax advice.
We are required by law to act in your best interests when providing credit assistance. This is known as the Best Interests Duty, introduced under the NCCP Act in 2021.
If there is a conflict between your interests and ours, we must resolve that conflict in your favour.
Our services are free to you. We are paid by the lender if and when your loan settles. We receive two types of commission:
Paid by the lender when your loan settles. Typically between 0.5% and 0.7% of the settled loan amount (excluding offset balances). For example, on a $600,000 loan this would be between $3,000 and $4,200 (inclusive of GST).
Paid by the lender on an ongoing monthly or annual basis over the life of the loan. Typically between 0.1% and 0.35% per annum of the outstanding loan balance. Trail commission ceases if the loan is discharged or refinanced.
We will provide you with a Credit Proposal Disclosure document that sets out the specific commissions applicable to your recommended loan before you proceed.
From time to time we may receive non-monetary benefits from lenders such as training, software, or marketing support. Where these benefits could reasonably be seen to influence our recommendations, we are required to disclose them to you.
We will do so in our Credit Proposal Disclosure if applicable.
When you engage us to assist with a home loan, we will:
About your financial situation, objectives, and requirements — so we can understand what you actually need.
Take reasonable steps to confirm what you've told us — usually using payslips, bank statements, and identification documents.
Confirm that the credit product we recommend is not unsuitable for your circumstances — a legal requirement under the NCCP Act.
A written document setting out our recommendation, the lender, the product details, and our commission — given to you before lodging your application.
If requested, we will give you a copy of the preliminary assessment we prepare. You can request this for up to 7 years after engagement.
We collect personal and financial information to assess your home loan needs and process your application. Your information may be shared with lenders, our ACL holder BLSSA Pty Ltd, and other parties involved in processing your loan.
We handle your information in accordance with our Privacy Policy and the Privacy Act 1988 (Cth). A copy of our Privacy Policy is available on this website.
We are committed to resolving complaints quickly and fairly. If you have a concern about our service, please follow these three steps in order:
We will acknowledge your complaint within 5 business days and aim to resolve it within 30 calendar days.
If you are not satisfied with our response, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA) — a free, independent external dispute resolution service.
You may also contact ASIC, our regulatory body, if you have concerns about our conduct.
