Credit Guide

We offer choice. As a mortgage broker, we offer choice, experience and have an obligation to act in your best interests when providing credit assistance. It's why we are focused on understanding your goals and circumstances, so that we can find the right loan solution for you.

We offer convenience. With an understanding of what matters to you and what you are looking for, we can research home loan options on your behalf, saving you time and effort.

We help to progress your application. We're here to prepare and help progress your loan application, and work with our lender network to help secure your loan.

Getting to know you. To kickstart your loan application, you'll need to provide some information about your goals and circumstances.

Let's meet. We'll catch up with you to understand what matters to you and what you are looking for in a loan.

Let us do the work. With an understanding of your requirements and objectives, we will review suitable options to find the right loan for you.

Presenting your loan options. We'll present you with a credit proposal with tailored loan solutions and recommendation with your goals and circumstances in mind.

Loan approval. We're nearly there! We will monitor your application and let you know if your loan is approved.

Managing your application. Once you have decided to proceed with an application for a loan, you can leave it to us to lodge and manage your application.

Settlement day. Congratulations! Settlement is when your loan application process is complete.

Here to help. If your circumstances and goals happen to change, we are here to help with your future loan needs.

The list below documents the 6 most commonly used lenders by us in the previous 12 months. This does not necessarily reflect all of the financial institutions that we are able to conduct business through.

However, if less than six lenders are displayed below, this is a summary of the lenders that we are able to utilise for loan submission purposes:

• Macquarie Bank
• Bankwest
• Resimac
• Firstmac
• Pepper Money
• AFG Home Loans — Retro

Fees payable by you to third parties. When the loan application is submitted, you may need to pay the lender's application fee, valuation fees, or other fees that are associated with the loan application process, even if application for the loan is ultimately unsuccessful.

Fees payable by you to us. If a fee is payable by you, this will be disclosed in a Credit Quote that will be provided to you. If a Credit Quote is not supplied, this will indicate that we do not charge consumers any fees.

Payments received by us. We, or aggregator Australian Finance Group Ltd (AFG), may receive fees, commissions, or financial rewards from lenders or lessors in connection with any finance we arrange for you. These fees are not payable by you.

The commission / brokerage amount depends on the amount of the finance and may vary from product to product. We can provide you with information about a reasonable estimate of those commissions and how the commission is worked out if you require.

Commissions are paid based on a percentage of the loan balance that is drawn down which in most cases will be net of any amounts you hold in an offset account. The way commissions are calculated and paid to us by lenders may vary. By following the responsible lending requirements, we will ensure the loan recommended to you is not unsuitable for your situation and objectives.

Fees payable by us to third parties. We may pay fees to call centre companies, real estate agents, accountants, or lawyers and others for referring you to us. These referral fees are generally small amounts in accordance with usual business practice.

These are not fees payable by you. On request you can obtain a reasonable estimate of the amount of the fee and how it is worked out.

From time to time, we may also remunerate other parties through payments, rewards or benefits.

Through our relationships with lenders, we may have access to tiered servicing arrangements. The benefits of this access to these arrangements can include faster processing, better information or greater levels of assistance provided for obtaining loan approval. We will advise you of any tiered service arrangements that are in place with a particular lender that we have proposed at the time recommendations are made.

Access to this program is not based solely on the volume of new or existing lending our clients have with each respective lender and does not entitle us to any additional commissions or payments outside of what we have disclosed to you, or any preferential client discounts.

We are prohibited from accepting gifts or inducements over $300. Any benefit given to your broker greater than $100 and less than $350 will be recorded in a Gifts Register. A copy of our register is available to inspect on request. If you wish to inspect the register, please contact us.

Referrals. We may receive referrals from a range of sources, including accountants, financial planners, real estate agents and others. If you were introduced or referred to us, we may pay the referrer a commission, fee or remunerate them in other ways. Details of any commission or fees being paid to the referrer will be included in the Credit Proposal Disclosure document provided to you.

Credit & Valuation Reports. We may be provided access to free services such as credit report and valuations from our lenders. Details of any relevant services we may receive because of a recommendation we make to you, will be included in the Credit Proposal Disclosure document we provide to you.

Multiple Roles. We may act in other roles or capacities related to the credit assistance provided to you. Each business activity is separate however we may be paid remuneration in our other business activities as a result of the credit assistance provided to you. Further details of any relevant remuneration we may receive because of a recommendation we make to you, will be included in the Credit Proposal Disclosure document we provide to you.

Where we are unable to act due to a conflict of interest that cannot be managed appropriately, we will refer you to another party who will provide you services.

Related Parties. We have relationships with a number of related parties and associates. Details of any remuneration or possible conflicts will be included in the Credit Proposal Disclosure document provided to you.

Shareholding. We may directly or indirectly hold shares or other securities in AFG or the lenders we recommend. Details of any material holdings will be included in the Credit Proposal Disclosure document provided to you. If the material holding does not enable us to act due to a conflict of interest that cannot be managed appropriately, we will refer you to another party who will provide you services.

AFG & AFG Home Loans. AFG Home Loans Pty Ltd (including AFG Securities Pty Ltd) are wholly owned subsidiaries of AFG. AFG may receive additional remuneration for any white label AFG Home Loans or securitised AFG Securities products that are settled. The remuneration received is in addition to those amounts paid to AFG as a mortgage broker aggregator and/or Infinity Funding Solutions Pty Ltd. Details of this remuneration will be disclosed in your AFG Home Loan documentation.

Other. The authorised Credit Representative of Infinity Funding Solutions Pty Ltd may be paid a salary.

We do not make any promises about the value of any property you finance with us or its future prospects. You should always rely on your own enquiries.

Please note that AFG and Infinity Funding Solutions Pty Ltd do not provide tax, legal or accounting advice. Any information contained in this document is of a general nature only and does not take into account the objectives, financial situation or needs of any particular person, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. Before making any decision, you should consider the appropriateness of the information with regard to those matters and consult your own tax, legal and accounting advisors.

We collect personal, financial and credit information about you for the purpose of arranging or providing credit, providing credit assistance, and insuring credit.

Full details of what we collect, how we hold it, who we disclose it to, how you may access or correct it, and how to make a privacy complaint are set out in our Privacy Policy. A separate privacy consent will be provided to you as part of your loan application.