This Credit Guide provides you with the key information that you need to know to make an informed and confident choice when engaging our products and services.
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\nThis Credit Guide summarises our goals and standards, offerings, fees, and commissions. Please don’t hesitate to ask if you need more information or clarification.
\nThis Credit Guide has been generated by:
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Overview
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\nWe hold the necessary mortgage broking experience and qualifications in accordance with the National Consumer Credit Protection Act 2009 to provide you with assistance. We are required to meet specific competency standards relating to educational and professional development. You can be confident that we are held accountable to not only our organisation’s high ethical standards / values, but also have a responsibility to maintain the regulatory standards that are set by both Commonwealth and State Governments.
\nOur mission is to ensure we offer our clients the best service and most appropriate products to suit their individual needs through our professionalism and attention to detail. Ultimately, our goal is to ensure applicants are provided with a loan that meets their objectives.
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We guarantee to listen to your needs and instructions, ensuring that there is a collaborative agreement through each step of the finance application process.
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\nOur relationships and alliances with likeminded quality organisations ensure we are positioned to offer the best quality service as well as offering complementary financial services where appropriate.
\n Suitability of Loans to your Financial Objectives
\nBy law, before entering into a specific credit contract, we are obliged to conduct a Preliminary Credit Assessment to determine what kind of loans would be suitable for you. In consultation with you, we will explore and discuss with you your financial situation, financial objectives and borrowing needs before we determine which loan product may suit your requirements.
\nFor the purposes of the Preliminary Credit Assessment, we will need to ask you some questions in order to assess whether the loan or lease is not unsuitable. The law requires us to:
\n\nmake reasonable inquiries about your requirements and objectives;
\n\tmake reasonable inquiries about your financial situation; and
\n\ttake reasonable steps to verify that financial situation.
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\n\nThe assessment will be conducted prior to recommendation of a particular product. The assessment will involve collection and verification of financial information to determine the appropriate loan amount and the loan costs associated with entering a credit contract. This will ensure that your circumstances will be assessed appropriately and that the options suggested will not place you in financial hardship. Once completed, this Preliminary Credit Assessment is only valid for 90 days. A copy of the Preliminary Credit Assessment will be available to you, on request – this will be available up to 7 years after we provide you with credit assistance.
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\nPrior to the Preliminary Credit Assessment being conducted, we may provide you with product summaries that highlight various key features and benefits of the product. We may also provide you with product comparison documents that allow you to compare the features and benefits of each product and assess the suitability to your requirements.
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\nLenders and Products
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Fees, Charges, Commission and Disclosures
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About Credit Representatives
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\nYour broker is authorised to engage in credit activities by Mortgage Australia Group Pty Ltd. The licensee shares responsibility in the conduct of your broker.
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\nComplaints
\nIrrespective of our status as a licensee, representative or credit representative, our reputation is built on matching the appropriate product(s) to the individual’s requirements. We go to great lengths to ensure satisfaction with our service and offerings. However, there may be instances from time to time, where applicants may be dissatisfied with the outcomes of our consultation process. If you have a complaint about the service that we provide, the following steps or avenues for resolution are available to you.
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\nMost complaints arise from miscommunication and can usually be fixed quickly. So, please contact Emma McLeod first and express your concerns.
\nStep 2
\nIf the issue is not satisfactorily resolved within 5 working days by talking with Emma McLeod, we will apply our internal complaints process to manage your complaint appropriately. In this instance, the complaint will be internally escalated to our Complaints Officer. You may also contact the Complaints Officer directly.
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By using our internal complaints process we hope to assist you to resolve your complaint quickly and fairly. The maximum timeframe in which to provide a written response to you is 45 days, although in pursuit of best practice and the reputation of our organisation, we aim to resolve these issues in a much shorter time frame.
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\nStep 3
\nAlthough we try hard to resolve a customer’s concern in the most considerate and direct manner, if you are not completely satisfied after the above steps have been attempted, you still have other avenues available to resolve the dispute. This is then managed externally and independently.
\nThis external dispute resolution (EDR) process is available to you, at no cost. Two EDR schemes are listed below. This indicates that the Credit Representative and their authorising Licensee are both required to be members (independently) of an ASIC approved EDR scheme. Where a Credit Representative’s EDR is displayed, please contact that EDR scheme in the first instance for complaint escalation.
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\n Things you should know
\nWe don’t 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.
\nWe don’t provide legal or financial advice. It is important you understand your legal obligations under the loan, and the financial consequences. If you have any doubts, you should obtain independent legal and financial advice before you enter any loan contract.
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\nEmma McLeod - 0413 246 820
emma@emmamcleodfinance.com.au
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