Regulatory

Privacy Policy

How we collect, use, and protect your personal information in accordance with Australian law.

Effective date: 1 January 2026

Expat Finance Australia, a trading name of Model Mortgages Pty Ltd (ABN 82 108 681 063, ACL 387460), is committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1. Information We Collect

We collect personal information necessary to provide mortgage broking and financial strategy services, including: name and contact details, financial records (income, assets, liabilities, overseas tax documentation), employment verification, identity verification files, and details of properties under acquisition or refinance.

2. How We Collect Information

We collect information directly from you when you enquire through our website, input data in our Borrowing Capacity Calculator, complete loan applications, or communicate with our brokers via email, video call, or phone. We may also obtain records from credit reporting bodies and lenders during the application phase.

3. How We Use Your Information

We process your personal details to:

  • Assess your borrowing capabilities and suitability for Australian credit lines.
  • Sourcing, comparing, and presenting loan options from our panel of 50+ lenders.
  • Lodge formal home loan applications on your behalf.
  • Coordinate with banks, conveyancers, and tax professionals during settlement.
  • Comply with regulatory obligations under the National Consumer Credit Protection Act.

4. Data Security

We prioritize data safety. Expat client data is stored on secure encrypted servers with restricted access controls. We deploy firewalls, multi-factor authentication, and encryption in transit (SSL/TLS) to guard against unauthorized access, data loss, or disclosure.

5. Disclosure of Information

We disclose records solely to lenders, aggregator networks, mortgage insurers, and credit reporting agencies to finalize your loan application. We do not sell, barter, or distribute your private profile information to third-party databases for marketing.

6. Access and Correction

Under Australian privacy rules, you are entitled to request access to the personal records we maintain. You can ask us to correct or update any outdated or inaccurate details by mailing our privacy compliance officer directly.

7. Complaints & Contacts

If you have concerns about our privacy standards, please reach out to us:

Email: info@financeonthecoast.com.au
Phone: 0418 204 304

If our response does not satisfy you, you may refer the issue to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

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