Credit Guide

This Credit Guide provides you with information about: how you can contact us; what we are authorised to do under our Australian Credit Licence (ACL); some of our key obligations when providing credit that we must disclose to you under the National Consumer Credit Protection Act 2009; and our dispute resolution procedures. We recommend that you read and consider this Credit Guide before you enter into any credit contract with us. If you enter into a credit contract with us, you should retain this Credit Guide for future reference.

Introduction

This Credit Guide gives you important information about the products we provide which are regulated by the National Credit Code and we are committed to protecting your personal information.     This privacy policy sets important information for your use of our residential real estate investment platform service (Service), and our website and associated social media channels (Website). By accessing and using our website, you acknowledge that you have read and understood this privacy policy. If you have any concerns about this privacy policy, you should not access or use our website or Service. Personal information is information we hold which is identified, or reasonably identifiable, as being about you (whether true or not, and whether or not recorded in a material form).

General obligations

In relation to our consumer lending products, we will not, as a credit provider: Enter into a credit contract with you; or Increase the credit limit of a credit contract with you;  If we assess that the credit contract is unsuitable for you. We refer to this assessment as the Suitability Assessment.

Credit contract unsuitable

A credit contract will be unsuitable if:  The credit contract does not meet your requirements or objectives; or It is likely that you will be unable to comply with your financial obligations under the credit contract; or It is likely that you could only comply with your financial obligations under the credit contract with substantial hardship.

Access Suitability Assessment copy

If your application for credit or increase in credit has been approved, you can email us and request a written copy of the Suitability Assessment will be provided.    *The Credit Day is the date the credit contract is entered into or the credit limit is increased.  

Feedback and complaints

Delivering on our service promise.   We’re constantly striving to provide the best possible service, and we’ll do our best to resolve any concern you have efficiently and fairly.   Our commitment to you.  If you’re ever unhappy about something we’ve done – or perhaps not done – please give us the opportunity to put things right.    Our aim is to resolve your complaint within 5 business days, and where possible we will resolve your complaint on the spot. If we need additional time to get back to you, we will let you know. Should we be unable to resolve your concern at your first point of contact, we will then refer the complaint to our dedicated Customer Managers in our Customer Solutions team.   Our Customer Solutions Customer Managers are here to find a solution for you and will ensure that you’re regularly updated about the progress we are making to resolve your complaint. Feel free to contact us.