• All clients are provided with our Credit Guide at the time of our initial meeting or contact (or via email on request). This is a legal requirement of the National Consumer Credit Protection Act (NCCP Act) and confirms how we are licensed and what steps are taken to ensure your privacy is respected at all times.
• For many clients, we will not charge a fee for Credit Assistance when simple mortgage lending is required. For more complex lending, where we have agreed to charge a fee for Credit Assistance services, a Loan Quote with full disclosure will always be provided and accepted by clients prior to any loan application proceeding.
• A Credit Proposal Disclosure document will be provided to all loan clients once a specific lender has been recommended and the application will proceed.

Should you have any specific queries regarding fees, charges or commissions, please ask your Credit Assistance provider who will be happy to assist.

Professional Consulting charges are generally made on a time-based arrangement and will be invoiced, weekly, monthly or at conclusion of the project. Please talk to your Consultant about your individual expectations.

• No financial advice is provided. We are fully licensed to provide Credit Advice (lending) only. No investment or taxation advice will be given.

We are able to liaise directly with clients own accountants/ tax advisers and financial planners/ investment advisers for appropriate advice when required.

• No unsecured personal loans are arranged but we can refer you to a lender who may assist.
• Motor vehicle and equipment finance may be arranged through an associated licensed broker we have a business relationship with. We do not provide this ourselves as we are specialists in mortgage lending.