Credit Guide

1. About Us

2. Our Obligations to You (Best Interests Duty)

Under Australian law, we are required to act in your best interests when suggesting credit products. We must not provide or suggest credit assistance if the credit contract is unsuitable for you. A contract is unsuitable if:

• It does not meet your requirements or objectives; or
• You would be unable to meet your financial obligations under the contract without substantial hardship.

We are obligated to conduct a preliminary assessment of suitability before assisting you. You can request a copy of this assessment at any time within seven years of us providing credit assistance.

3. Lender Panel

We draw from a broad panel of 50+ lenders to find the right loan structure and competitive rate for your situation. The lenders we write the most loans with include major Australian banks, regional banks, and specialist non-bank lenders.

4. Fees and Charges

We do not charge you a fee for our credit services. We are compensated by the lenders via commission payments upon successful settlement of your loan. If any specialized fee applies to your scenario (e.g. for commercial or complex finance), we will discuss and agree upon this in writing prior to commencing work.

5. Commissions Received By Us

Lenders pay us an upfront commission (based on the loan amount) and an ongoing trail commission (based on the outstanding loan balance). These commissions are paid directly by the lender out of their margins and are not added to your loan or interest rate.

6. Dispute Resolution Procedures

We hope you are delighted with our service. However, if you have any complaints, we have internal and external dispute resolution procedures in place to resolve the issue quickly and fairly.

Internal Dispute Resolution (IDR)

If you have a complaint, please contact our Complaints Officer at the contact details above. We will acknowledge your complaint within 24 hours and aim to resolve it within 30 days.

External Dispute Resolution (EDR)

If you are not satisfied with our response, you can refer the matter to our independent external dispute resolution scheme, the Australian Financial Complaints Authority (AFCA). This is a free service provided to consumers: