Privacy Policy

1. We are obliged to act in your best interests and give you undivided loyalty unaffected by any of our interests. However, we also represent lenders and have obligations to them, in particular not to provide any information we know is misleading or deceptive. We also have obligations under the law to report any fraud, forgery, or other illegal activities. By signing our agreement, you confirm that you understand that we have these obligations to the lender and under the law. If you have any questions about our role, ask before you sign.

2. Under the law, we are required to ensure that the finance we arrange for you is appropriate. Accordingly, we will make reasonable enquiries in relation to your needs, objectives and financial circumstances.
Warning: The proposed loan arrangements will be based on the products available from our panel lenders and the information provided by you. If the information you provide is incomplete or inaccurate, before entering into the loan you should consider its appropriateness having regard to your relevant personal circumstances and if necessary seek independent financial advice.

3. If you are refinancing a loan, and your commitments will be increased, you should seek independent financial advice to make sure that you are able to meet the increased commitments.

Warning: Your regular repayments may not increase, but the total you have to pay may increase — for example by having to make repayments over a longer period.

4. We do not provide legal or financial advice unless specified in a separate contract. Accordingly, it is important you ensure you understand your legal obligations under the loan, and the financial consequences. If you have any doubts, you should obtain independent legal and financial advice before you enter the loan contract.

5. We and nobody else will receive any financial or other benefit or have any other interest or relationship which could reasonably be expected to influence our recommendation other than as disclosed in this agreement.

We are collecting personal information about you to provide you with our brokerage services. The information is required to allow us to assist you in preparing the loan application and locate an appropriate lender. If your information is not provided we may not be able to find an appropriate loan for you.

We may use your information to provide you with offers or information of other goods or services we or a third party may be able to provide you with, unless you tell us not to.

We may disclose your information to other organisations to fulfill the purposes identified (or purposes related to those purposes). The types of organisations we may disclose your information include:

1. Lenders
2. Mortgage insurers;
3. Other mortgage intermediaries, valuers, and
4. Other organisations which assist us (such as printers, mailing houses, lawyers, debt collectors and accountants).

In addition, we may disclose your personal information to any other organisation that may wish to, or has acquired, an interest in your loan or in our business.

You agree that we may collect and use your personal information as specified above.
By signing our Agreement, you have appointed me/us to negotiate a loan on your behalf in accordance with the terms and conditions of this Agreement.
You understand that I am/we are not licensed to provide financial advice, taxation advice or legal advice and I/we have advised you to obtain your own financial, taxation and legal advice regarding the suitability of any loan.
You understand that I am/we are entitled to be paid the fee set out in our credit proposal by you if the loan negotiated is reasonably comparable to the loan parameters set out in the credit proposal.
You confirm that you have been advised of the need for adequate personal and family insurance.
You consent to being sent information, offers, news and other opportunities directly relevant to your finance requirements.