Credit Guide

This Credit Guide provides you with important information about Secure Finance Services and the credit assistance services we provide under Australian Credit Licence 465059.

Important: You must be provided with a Credit Guide before we provide credit assistance to you. This is a legal requirement under the National Consumer Credit Protection Act 2009 (Cth).

1. Who We Are

Secure Finance Services Pty Ltd
Australian Credit Licence: 465059
ABN: 16 600 472 213
Phone: 1300 401 007
Email: info@securefinance.com.au

2. Credit Assistance We Provide

We are authorised to provide credit assistance by:

• Assessing your borrowing needs and financial situation
• Suggesting suitable loan products from our panel of lenders
• Assisting you to complete loan applications
• Submitting applications to lenders on your behalf
• Liaising with lenders throughout the assessment and settlement process

We provide credit assistance for residential mortgages, investment loans, commercial finance, and related credit products.

3. Our Lender Panel

We work with over 80 Australian lenders, including major banks, specialist lenders, and non-bank lenders. A full list of our current lender panel is available on request.

Note: We do not provide credit assistance for every lender in the Australian market. We will recommend loans from our panel that we reasonably believe are suitable for your circumstances, based on the information you provide.

4. Fees and Commissions

Our services are typically commission-based and free to you. Lenders pay us a commission when your loan settles:

• Upfront commission: Typically 0.55%, 0.75% of the loan amount (paid by the lender at settlement)
• Trail commission: Typically 0.15%, 0.25% p.a. of the outstanding loan balance (paid annually by the lender while the loan remains active)

In some circumstances, we may charge a direct fee (e.g., for complex commercial loans or SMSF loans). If a fee applies, you will be advised in writing before we proceed, and your consent will be required.

5. Conflicts of Interest

We may receive different commission rates from different lenders. However, our recommendations are based on your disclosed needs and objectives, not on the commission payable.

If a conflict of interest arises, we will disclose it to you in writing.

6. Your Responsibilities

To help us provide suitable credit assistance, you must:

• Provide complete and accurate information about your financial situation, employment, and borrowing needs
• Inform us of any material changes to your circumstances before settlement
• Read and understand all loan documents before signing
• Ensure you can afford the loan repayments under the proposed loan contract

7. Complaints and Disputes

If you have a complaint about our services, please contact us directly:

Complaints Officer
Phone: 1300 401 007
Email: info@securefinance.com.au

We will investigate and respond to your complaint within 30 days. If you are not satisfied with our response, you may escalate your complaint to:

Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Email: info@afca.org.au
Website: www.afca.org.au
Our AFCA membership number: 43890

8. Privacy and Credit Reporting

We collect, use and disclose your personal information in accordance with our Privacy Policy and the Australian Privacy Principles.

We may disclose your credit information to credit reporting bodies (CRBs) and obtain credit reports about you. For more information, see our Privacy Policy.

This Credit Guide is issued in accordance with sections 113A and 126B of the National Consumer Credit Protection Act 2009 (Cth).