About This Guide

Your Finance Guide is a finance education publisher. It is not a credit provider, broker, or lender, and does not provide credit assistance directly. When you submit the apply form, your enquiry is referred to a licensed credit assistance partner (the “Partner”), whose details appear below.

This Credit Guide is the regulated disclosure document of the Partner, hosted on this site for transparency. It is provided in accordance with the National Consumer Credit Protection Act 2009 (NCCP Act). Please read it carefully before engaging the Partner's services.

About the Credit Assistance Partner

Credit assistance referred from this website is provided by The Mortgage Group Pty Ltd trading as ALG Australian Lending Group (Australian Credit Licence 505575), Credit Representative (CR 392527) of Finance and Systems Technology Pty Ltd (ACN 092 660 912). Your Finance Guide is the publishing brand and is not licensed to provide credit assistance.

Your Finance Guide and the Partner are part of the same group of companies. They are related parties. This Credit Guide is hosted by Your Finance Guide for the convenience of consumers referred to the Partner from this website.

How the Partner is Paid

The Partner's credit assistance is provided at no cost to the borrower. When a referred loan settles, the lender pays the Partner a commission. This does not affect the interest rate or fees the borrower pays.

Upfront commission

When a loan settles, the lender pays the Partner an upfront commission. This is typically between 0.3% and 0.7% of the loan amount (inclusive of GST), depending on the lender and product type. For example, on a $50,000 car loan, the upfront commission is typically between $150 and $350.

Trail commission

Some lenders also pay an ongoing trail commission for the life of the loan. This is typically between 0.0% and 0.15% per annum of the outstanding loan balance. Not all products include trail commissions.

Referral fee paid to Your Finance Guide

The Partner may pay Your Finance Guide a referral fee for connecting borrowers via the apply form. This fee is paid out of the Partner's commission and is not an additional cost to the borrower. It does not affect the interest rate, fees, or terms of any loan.

You are entitled to request further details about the commissions or referral fees in relation to your loan. Contact the Partner using the details above.

Lender Panel

The Partner has access to a panel of 50+ lenders, including major banks, non-bank lenders, and specialist financiers. The panel is reviewed regularly to ensure competitive products are available across a range of lending needs.

The Partner is not required to compare all products in the market, only those available on its panel. A full list of the current lender panel is available on request by contacting the Partner.

Complaints

Internal dispute resolution

If you have a complaint about the Partner's services, or about a referral made from this website, please contact:

Your complaint will be acknowledged within 1 business day, and resolved within 30 calendar days where possible. You will be kept informed of the progress.

External dispute resolution

If you have a complaint about a referral, please contact info@australianlendinggroup.com.au. If you are not satisfied with the response, you can contact the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or 1800 931 678. AFCA is the external dispute resolution scheme available to consumers of the credit assistance partner referenced above.

Privacy

The Partner is committed to protecting your personal information and collects, uses, and discloses it in accordance with the Privacy Policy and the Australian Privacy Principles under the Privacy Act 1988.

The personal information collected is used to assess your finance application and provide credit assistance. It may be disclosed to lenders, valuers, insurers, and other parties involved in the lending process.

Your Consent

By engaging the Partner's services, you acknowledge that you have received and read this Credit Guide. You consent to the Partner collecting, using, and disclosing your personal information as described in this guide and the Privacy Policy. You also consent to the Partner making enquiries with credit reporting bodies and other third parties as necessary to assess your application.

Contact

If you have any questions about this Credit Guide, contact the Partner using the details below.