Terms and Conditions

1. Who we are

We are a mortgage broking business operating in Australia. Our Australian Credit Representative number (ACR) is shown in our website footer. We act as your credit assistance provider when we help you apply for or refinance a consumer or business credit product with a third-party lender.

2. Credit assistance and general advice

We provide credit assistance under the National Consumer Credit Protection Act 2009 (Cth) when we help you select or apply for a credit product. We will give you a Credit Guide before we provide credit assistance, and a written assessment if we recommend a product, as required by law.

Information on this website (including guides and calculators) is general information only. It is not a recommendation or offer of credit, and it does not take into account your objectives, financial situation, or needs. You should consider whether any product is appropriate for you before acting.

3. Credit Guide

Our Credit Guide explains who we are, the services we offer, how we are paid, our dispute resolution process, and how we handle your privacy. A current Credit Guide is available on request and may be provided when you first enquire about credit assistance. For enquiries, use our Contact page.

4. Eligibility and lender decisions

Loan approval is always subject to the lender's assessment, verification, and criteria. We do not guarantee that any application will be approved or that particular rates, limits, or features will be offered. Past results or examples on this site are not indicative of future outcomes.

5. Fees and remuneration

In many cases the lender pays us a commission if your loan settles. We will explain how we are remunerated before you proceed with an application. If a fee payable by you ever applies, we will disclose it clearly in writing in advance.

6. Website use

You agree to use this website lawfully and not to interfere with its operation or security. Calculators and tools produce estimates only; results depend on the inputs you provide and may differ from a lender's formal assessment.

7. Intellectual property

Content on this site (including text, layout, and branding) is owned by us or our licensors unless otherwise stated. You may not copy or reuse it for commercial purposes without our prior written consent.

8. Limitation of liability

To the maximum extent permitted by Australian law, we exclude liability for loss arising from your use of this website or reliance on general information published here. Nothing in these terms limits any non-excludable rights you have under the Australian Consumer Law or other legislation.

9. Privacy

Our collection and handling of personal information is described in our Privacy Policy.

10. Governing law

These terms are governed by the laws of New South Wales, Australia. The courts of that jurisdiction have non-exclusive jurisdiction over disputes relating to these terms or our website.

11. Contact

Approved Property Finance
2/658 Pittwater Road, Brookvale NSW 2100
Phone: 1300 992 837
Email: hello@approvedpropertyfinance.com.au