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Australian Credit and Finance

If you need a mortgage broker that can offer competitive and innovative home loan products, then it’s worth considering Australian Credit and Finance.


Specialising in refinancing home loans, investment property and first home purchases, Australian Credit and Finance collaborate with 25 major lenders to find you the best home loan available on the Australian market.

Australian Credit and Finance, and their consultants, are members of the MFAA and COSL, so you can be sure that you’re dealing with industry experts, which is important when you’re making the biggest purchase of your life.

Who are Australian Credit and Finance?

Using specialised consultants to assess your individual circumstances, Australian Credit and Finance offer a quality home loan and broker service by offering loans and also comparing deals with up to 25 different lenders to help you decide which home loan is the most feasible for you.

Australian Credit and Finance is the trading name of Auscred Pty Ltd, which is the parent company of Auscred Services Pty Ltd, their credit assistance provider.

Who do Australian Credit and Finance work with?

Australian Credit and Finance source home loans from a range of banks, lenders and other finance providers. With their industry relationships, you can leverage their networks to find the best possible loan product. Currently, they write the majority of their loans with St.George Bank, Westpac, Macquarie Bank, ANZ Bank, Bankwest and ING Direct.

Furthermore, they draw home loan products from an extensive portfolio of over 25 reputable lenders, also including AMP, Homeside, Connective, Pepper, MKM Capital, Firstmac, Citibank, Liberty Financial, Teachers Mutual Bank, NAB, Homeloans Ltd, Suncorp Bank, ME Bank and Commonwealth Bank.

They will require information regarding your needs to help select a lender and loan that’s right for you. They’ll take into account whether you’re refinancing an existing loan or whether it’s a new purchase, whether it will be owner-occupied or an investment property. They’ll also look into the estimated value of the property, the amount of your deposit, the status of your credit history, and the address of the property.

Using this information, they will compare the best home loan products provided by several lenders to offer you the most competitive deal.

How do they get paid?

Australia Credit and Finance representatives are paid commissions by lenders for referring you to them. The lenders and banks they work with generally pay them a commission based on the size of the loan and the type of loan product you have chosen. They are only paid this commission if your loan is settled and drawn down. In some cases, they may be paid an ongoing commission based on the outstanding balance of your loan.

As part of their application process, Australian Credit and Finance will provide you with a Credit Proposal that will include an estimate of the commission that they will receive from the lender if you choose to proceed with the application.

How much will I have to pay for credit assistance?

Australian Credit and Finance will not charge a fee for providing credit assistance unless your application has been approved, and you decide to not go ahead. The amount of this fee will be outlined in a quote they will provide to you before your finance application is lodged.

What will they need from me?

When they provide you with credit assistance, Australian Credit and Finance will only recommend credit products that are not unsuitable for your situation. To determine which products are not suitable, they need to conduct a Preliminary Assessment.

To effectively complete the Preliminary Assessment, Australian Credit and Finance will ask about your objectives as well as your financial and personal situation so they can understand your ability to service the loan.

They may require copies of documents that illustrate your financial situation, and they may contact third parties to confirm the authenticity of the documentation you provide.

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