Useful Calculators and Links
The Moneysmart Mortgage Calculator is a free, government-backed tool that helps you estimate your mortgage repayments, determine how much you can borrow, and explore strategies to repay your home loan sooner.
https://moneysmart.gov.au/home-loans/mortgage-calculator
The First Home Owner Grant (FHOG) is a national Australian scheme that provides a one-off payment to eligible first home buyers to help offset the impact of the GST on home ownership. Funded by state and territory governments and administered under their respective legislation, the grant supports first-time buyers purchasing or building a new home. Eligibility criteria and grant amounts vary by state or territory.
The Moneysmart Mortgage Switching Calculator is a free, government-backed tool that helps you figure out whether refinancing your home loan will save you money in the long run. By entering key details about your current loan and the potential new loan, it provides clear, easy-to-understand results so you can make informed decisions about whether to stay with your current lender or switch to a better deal.
https://moneysmart.gov.au/home-loans/mortgage-switching-calculator
The Moneysmart Personal Loan Calculator is a free online tool from the Australian Government that helps you estimate your personal loan repayments, see how much you can borrow, and explore ways to pay off your loan sooner. Also applicable for your Car Loan.
https://moneysmart.gov.au/loans/personal-loan-calculator
Referral Offer Terms and Conditions
This referral offer is subject to the following terms and conditions:
- Eligibility:
The referral program is open to existing clients and contacts of our business. Referrals must be new clients who have not previously engaged our services. - Minimum Loan Amount:
To qualify for the referral reward, the referred client’s new loan must be for an amount of at least $300,000. - Referral Reward:
You will receive $1,000 for each successful referral. A referral is considered successful when the referred individual’s loan application is approved and the loan is settled through us. - Bonus Reward:
For every three (3) successful referrals, you will receive an additional $1,000 bonus. - Payment Method and Timing:
Referral rewards and bonuses will be paid via electronic funds transfer (EFT) within 30 days of each referred loan settling. - Limitations:
- There is no maximum number of referrals you can make.
- Only one referrer will be eligible for the reward per referred client (the first person to refer will be considered the referrer).
- Referrals must be disclosed at the time of the referred client’s initial enquiry or application.
- Exclusions:
- Self-referrals are not eligible.
- Referrals of existing or previous clients are not eligible.
Example:
If you refer three new clients who each settle loans of $300,000 or more, you will receive $3,000 ($1,000 per referral) plus an additional $1,000 bonus, for a total of $4,000.
Privacy Policy
Protecting your privacy is very important to us. We handle your personal information with care and in compliance with the Privacy Act 1988 (Cth). This policy explains how we collect, use, store, and share your information when you use our services.
What Information Do We Collect and How Do We Use It?
When you work with us on your finance needs, we collect personal information that may include sensitive details, such as health information or any vulnerabilities you disclose. We use this information to:
- Provide tailored advice and support for your credit and finance requirements
- Share your details only with lenders and service providers you choose to engage with
- Send you information about products you request and manage our ongoing relationship with you (for example, invoicing or surveys)
- Keep you informed about relevant promotions, new services, offers, events, or helpful articles (unless you opt out)
- Improve our services and resolve any issues you may experience
You can receive communications via post or electronically. If you prefer not to get electronic messages, please let us know.
What If You Don’t Provide All the Information?
If you don’t supply complete information, we may be unable to offer you the best advice or assistance with your credit needs.
How Do We Keep Your Information Safe?
We are committed to maintaining the accuracy, security, and confidentiality of your personal information. Your data is stored securely on password-protected electronic systems. We only keep your information for as long as necessary to fulfill our services or comply with legal requirements.
Who Might We Share Your Information With?
We do not sell or trade your personal data. However, we may disclose your information to:
- Our credit licensee for compliance and administrative purposes
- Trusted contractors who assist us, such as mailing services
- Other businesses in the event of a merger, sale, or restructuring
- Authorities if required by law or under exceptional circumstances permitted by privacy legislation
We ensure that any third parties who receive your information are required to protect it to the same standard we uphold.Your Consent
By using our services, you agree to the collection and use of your personal information as described in this policy.
Your Consent
By using our services, you agree to the collection and use of your personal information as described in this policy.
Complaints
We are dedicated to building strong, lasting relationships with our valued customers. Your feedback is essential – it helps us address any immediate concerns and continuously improve our products and services. Whether you’d like to share a positive experience or let us know where we can do better, we’re always here to listen and respond.
If, for any reason, you do not feel that you have received the highest standard of care from us, we likewise encourage you to share this with us. We have developed a process that we believe makes it easy for you to tell us of your concerns and for them to be addressed quickly and fairly. If you choose to contact us by mail or email, please make sure you provide as much detail as possible about your complaint.