Credit Guide
This credit guide provides you with the key information you need to know to make an informed and confident choice when engaging our services. We are licensed to arrange loans and leases under the National Consumer Credit Protection Act 2009 (NCCP Act). The NCCP Act regulates the activity of lending, leasing, and finance broking
Key Information
Our Full Name:
Address:
Phone:
Email:
Australian Credit Licence Number: 509484
Internal Complaints Officer
Contact Details:
Address:
Email:
Telephone:
External Dispute Resolution Scheme
Australian Financial Complaints Authority
Online:
Email:
Telephone:
Mail:
Services We Provide
We will help you choose a loan or lease which we believe is in your best interests. We will provide you with information on a broad range of lenders and make a recommendation based upon what you tell us is most important to you. Once you have chosen a loan or lease that is suitable for you, we will help you obtain an approval.
We source finance from a panel of financiers. Our current panel comprises the financiers listed below:
- AMP Australia
- ANZ Australia
- Apollo
- Assetline Capital
- Australian Financial
- Australian Military Bank
- Auswide Bank
- Bank Australia
- Bank First
- Bank of China
- Bank of Melbourne
- Bank of Queensland
- Bank of Us
- Bank SA
- BankWest
- Bendigo Bank Broker
- Better Choice Home
- Loans
- Beyond Bank
- Bluestone
- Bridgit by LMG
- Brighten
- Buyers Choice
- Commonwealth Bank
- Credit Union SA
- Firefighters Mutual Bank
- Firstmac
- Go Beyond
- Go Edge
- Go Flexi
- Granite Homeloans
- Great Southern Bank
- Health Professionals Bank
- Heartland Bank
- Hejaz
- Heritage Bank
- HomeStart
- Household Capital
- Hume Bank
- ING
- Judo Bank
- Keystart Home Loans
- La Trobe Financial
- Liberty
- Ma Money
- Macquarie
- ME Bank
- Mortgage Ezy
- Mortgage Mart
- MyState
- National Australia Bank
- Newcastle Permanent
- ORDE Financial
- OwnHome
- P&N Bank
- Paramount Mortgage Services
- People’s Choice Credit Union
- Pepper Money
- Resimac
- St George
- Sucasa
- Suncorp
- Teachers Mutual Bank
- uBank
- UniBank
- Victorian Mortgage Group
- Virgin Money Australia
- Wave Money
- Westpac
- Zeus
Commercial Financiers
- ANZ Commercial
- Aquamore
- Arch Finance
- Commercial
- Assetline Commercial
- Bank of Melbourne Commercial
- Bank of Queensland Commercial
- Bank SA Commercial
- Bendigo Bank Commercial
- Better Choice Commercial
- Commonwealth Commercial
Funding - Go Beyond Commercial
- Go Flexi Commercial
- Granite Commercial
- ING Commercial
- Judo Bank Commercial
- La Trobe Commercial
- Liberty Commercial
- Macquarie Commercial
- Medfin Finance
- N1 Holdings
- NAB Commercial
- ORDE Financial
- Pallas Capital
- Paramount Commercial
- Pepper Money Commercial
- Prime Capital
- Qualitas Commercial
- Scottish Pacific Commercial
- St George Commercial
- Suncorp Commercial/Business
- Westpac Commercial
Asset Finance & Personal Loans
- Affordable Car Loans
- Alex Bank (PL)
- Alex Bank (AF)
- AMMF
- Angle Finance
- ANZ Asset Finance
- Azora
- Banjo
- Branded Financial Services
- Capital Finance
- CBA Asset Finance
- Dynamoney
- Early Pay
- Finance One
- Firstmac Car Loans
- FlexiCommercial
- Judo Bank Asset Finance
- Latitude Motor
- Latitude Personal Loan
- Liberty Motor Finance
- Loans Today
- Medfin Asset Finance
- Metro Finance
- Money3
- MoneyMe Autopay
- MoneyMe Personal Loans
- MoneyPlace
- MoneyTech
- Morris
- NAB Asset Finance
- NOW Finance (PL)
- NOW Finance (AF)
- Pepper Asset Finance
- Pepper Money Personal Loans
- Plenti
- Plenti Auto Finance
- Resimac Asset Finance
- Scottish Pacific Asset Finance
- Selfco
- Shift
- Society One
- TP24
- Westpac Equipment Finance
- WISR (PL)
- WISR (AF)
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Most Frequently Used Lenders (Licensee)
- ANZ Australia – 14.19%
- Westpac – 13.50%
- Commonwealth Bank – 9.68%
- Macquarie – 8.89%
- National Australia Bank – 8.60%
- BankWest – 5.29%
Responsible Lending Obligations
Under the NCCP Act, we are obliged to ensure that any loan or principal increase to a loan we make and any lease we enter with you is suitable to your needs and objectives.
The law requires us to:
- Make reasonable enquiries about your requirements and objectives
- Make reasonable enquiries about your financial situation
- Take reasonable steps to verify that financial situation
If you are unable to provide required information, we may not be able to make a recommendation.
Credit will be unsuitable if it is likely you could not repay without substantial hardship or if it does not meet your requirements and objectives.
Best Interests Duty
When providing credit assistance, we are obliged to act in your best interests. Recommendations will be documented, recorded, and explained to you.
Any actual, potential, or perceived conflicts of interest will be disclosed, and your interests will be prioritised at all times.
Fees Payable By You
Commissions
Dispute Resolution
Internal
External
Unresolved complaints may be referred to AFCA.
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Credit Representative Details
Full Name:
Address:
Phone:
Credit Representative Number:
Top 6 Lenders — Credit Representative
- Westpac – 16.67%
- ANZ Australia – 16.67%
- Firstmac – 12.96%
- Commonwealth Bank – 12.96%
- National Australia Bank – 9.26%
- ME Bank – 9.26%
Commission & Other Benefits
Your credit representative may receive commissions directly or indirectly.
A register of gifts and benefits is maintained and available upon request.
Tiered servicing arrangements may exist and will be disclosed where applicable.