These are the terms and conditions under which we rebate lenders' commissions

We are a mortgage broker arranging loans between lenders and our customers. We are not a lender and nothing on this website or in any other communication with customers should be taken to suggest anything to the contrary.

We claim copyright and any other relevant intellectual property rights over the material appearing on this site and its way of doing business. You are welcome to copy any material from this site for the purposes of research and/or to help you complete a home loan application with us (or anyone else!). You may not use our material on this site for commercial purposes. If you use our material for non-commercial purposes, it is a condition of such use that you acknowledge us as the source.

We offer a service of informing our customers of the existence of loan products provided by third parties. While we strive to provide accurate information, our service is essentially a referral service. If any advice we provide you is incorrect, and this is as a result of our negligence and if you suffer as a result of such advice, we accept liability for such errors only where any damage to you exceeds any rebate we have paid or owe you and then only up to a maximum of $600. This liability is only accepted for clients whom we have introduced to loans and not to others and where they notify of us any inadequacies in our service within 90 days of the settlement of their loan. Beyond this we deny to the extent possible by law, any warranty or other liability for the accuracy of the information provided to clients including where that is the result of any degree of negligence by us, our agents or those with whom we deal.

We do not provide financial advice.

Notwithstanding the above, we guarantee that, upon our receipt of the full up-front commission from the lender, we will pay you a rebate according to the rebate policies advertised on this site and clarified in our Rebate Agreement which will be e-mailed to you after our initial discussion with you. The payment of the appropriate rebate as set out on this website and in our Rebate Agreement represents the full extent of any liability we have to you.

4. Disclosure of Fees and commissions
We receive a commission from the lender for the service we provide. You, as the customer, do not pay any fee for this service. You should feel free to ask us, by phone or e-mail, what fees we will receive from any transaction we arrange for you.  We may pay advertisers and/or referrers for referrals to us.

5. Rebate agreement

At the outset of arranging a loan for you, we send you a 'rebate agreement' detailing the terms and conditions on which we have a right to seek any rebate we've paid you back from you in the event of any event ending or substantially reducing our trailing commission in the first three years of your loan.  Such events include the refinancing or substantial reduction in your loan balance, your restructuring your loan (except through us) or your falling into arrears. Feel free to ask us if you have any questions.