Disclaimer

This page sets out the formal disclaimers and disclosures for Home Loan Broker North Brisbane ("the website", "we", "us", "our") covering our role as a lead generation and referral service, the limitations of the information published here, and the regulatory warnings required for a finance lead-gen service in Australia.

Service provider network

Home Loan Broker North Brisbane operates as a lead generation and referral service. We connect consumers with qualified mortgage brokers in our network. We do not directly provide mortgage broking services or credit assistance.

• All home loan services are performed by independent, qualified mortgage brokers in our network.
• Each broker maintains their own Australian Credit Licence affiliation, ASIC Credit Representative status, and MFAA or FBAA membership.
• We do not guarantee the availability, quality, or pricing of services provided by any broker in our network.
• Brokers are responsible for their own compliance with applicable laws and regulations including the National Consumer Credit Protection Act 2009.

Your information

When you submit an enquiry through our website, your contact details may be shared with one or more mortgage brokers in our network who can assist with your request. By submitting an enquiry, you consent to being contacted by these brokers. See our privacy policy for the full data-handling terms.

Credit services disclaimer

Home Loan Broker North Brisbane is not a credit provider or credit representative. We connect consumers with licensed credit representatives and mortgage brokers. Credit products displayed on this website are provided by third-party credit providers. All credit applications are subject to the credit provider's lending criteria and approval process.

Important: the credit representatives in our network are authorised under their own Australian Credit Licences. Specific licence details (ASIC Credit Representative number, ACL holder, and MFAA / FBAA membership number) will be provided to you by the broker who contacts you in their Credit Quote and Credit Proposal Disclosure before you commit to anything.

We do not provide credit advice. Any information on this website is general in nature and does not take into account your personal financial situation, needs, or objectives.

General advice warning

Information on this website is general in nature and does not constitute personal financial advice. It does not take into account your individual situation, objectives, or needs. Consider whether the information suits your situation before acting on it, and seek independent professional advice if needed.

Comparison rate warning

Comparison rates are based on a loan amount of $150,000 over 25 years. WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates.

Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The advertised rate is not the only factor when choosing a home loan.

Credit applications subject to approval

Any indication of borrowing power, rate, repayment, or product on this website is not an offer of credit. All credit applications are subject to the lender's credit criteria, serviceability assessment, valuation outcome, and approval process. Approval is at the lender's discretion.

Calculator and tool outputs

The borrowing power calculator and other interactive tools on this website produce indicative outputs only based on simplified industry assumptions (the APRA prudential 3% buffer, the Household Expenditure Measure cost-of-living baseline, and a single-bracket effective tax rate). Real serviceability is assessed by the lender and depends on credit history, deposit, dependants, existing commitments, employment type, and other factors not captured by the calculator. The accredited mortgage broker we match you with will run a full assessment.

External links

This website contains links to external websites, including the Australian Prudential Regulation Authority (APRA), the Australian Securities and Investments Commission (ASIC) MoneySmart, the Queensland Revenue Office, and others. We are not responsible for the content of these external sites. Their inclusion is for reference only and does not imply endorsement.

Photographs and team imagery

Photographs on this website that depict people, offices, or working contexts are illustrative editorial images. They do not depict specific brokers in our network or specific named clients. Each broker who contacts you provides their own credentials and identity in writing.

Reviews and testimonials

Customer reviews and testimonials displayed on this website may include sample example entries while real customer reviews are being collected. Sample reviews are clearly captioned as such on the page. We do not display fabricated reviews as if they were real and we do not assert an aggregate rating in our schema markup until real reviews have been collected.

Contact

Questions about this disclaimer or any of the disclosures above? Email us at hello@homeloanbrokernorthbrisbane.com.au or via the contact page. For complaints about a broker we connected you with, contact the Australian Financial Complaints Authority (AFCA) at afca.org.au.