Credit Guide
Introduction
This Credit Guide (CG) provides you with important information about Mortgage Australia Group Pty Ltd
and its Credit Representatives, who may provide you with credit services described in the CG.
As well as giving you important information that will help you decide if you want to use any of these
services, it provides important information about:
• who we (Mortgage Australia Group Pty Ltd and our Representatives) are,
• the credit services we offer to help you evaluate and make an informed decision about whether to
use the services described in this CG,
• the remuneration that we and relevant persons receive for the services,
• any arrangements which may influence our services to you,
• our Privacy Statement, and
• how we handle your complaints if you are not satisfied with the services provided.
About us
Licensee:
Mortgage Australia Group Pty Ltd holds an Australian Credit Licence issued by the Australian Securities
and Investment Commission (ASIC). We conduct business through a network of finance brokers who are
appointed as Credit Representatives under our Licence. Mortgage Australia Group Pty Ltd is responsible
for the advice and conduct of your finance broker as set out in this Credit Guide and will ensure they
always act within your best interests.
Broker Group:
Mortgage Australia Group Pty Ltd, Australian Credit Licence No. 377294 obtains mortgage aggregation
services from Australian Finance Group Pty Ltd (“broker group”), ABN 11 066 385 822, Australian Credit
Licence No. 389087.
Credit Representative:
A “Credit Representative” is a person who has been authorized by a credit licensee to engage in specified
credit activities on our behalf.
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AUTHORISED CREDIT REPRESENTATIVE
Adviser Name Shane Stewart
Authorised Credit Representative Number 527615
Email shane@cphl.com.au
Phone +61 493 284 919
Address 40 Teemangum St, CURRUMBIN QLD 4223
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CREDIT LICENCE DETAILS
Licensee Name Mortgage Australia Group Pty Ltd “Us”
Australian Credit Licence Number (ACL) 377294
Licensee ABN 99 091 941 749
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CREDIT GUIDE
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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This Credit Guide summarises our goals and standards, offerings, fees, and commissions. Please don’t
hesitate to ask if you need more information or clarification.
​
Overview
We 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.
Our 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.
We guarantee to listen to your needs and your instructions, ensuring that there is collaborative agreement
through each step of the finance application process.
Our 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.
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Suitability of Loans to Your Financial Objectives
By 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.
For 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:
• make reasonable inquiries about your requirements and objectives;
• make reasonable inquiries about your financial situation; and
• take reasonable steps to verify that financial situation.
The 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
Prior 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.
Lenders and Lessors
Subject to meeting credit criteria, we will be able to assist you to obtain loans and leases from a broad
range of lenders and lessors through our broker group.
The following are the lenders or lessors with which our licensee conducted the most business during the
last 6 months: CBA, NAB, ANZ, Westpac, St George, Macquarie Bank
The following are the lenders or lessors with which I conducted the most business during the last 6
months: NAB, ING, GSB, Macquarie, Bluestone, Westpac
The following are some of the lenders or lessors with which I have available for access through our broker
group. Some are commercial only or unsecured lenders. As a mortgage broker I am able to offer choice
across a number of products and have the opportunity to be accredited to arrange loans with the
following panel lenders:
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86400
Adelaide Bank
AFG Home Loans
AMMF
AMP
Angle Finance
ANZ
Australian Secure Capital
Auswide Bank
Automative Financial
Banjo
Bank Australia
Bank of China
Bank of Melbourne (Vic)
Bank of Queensland
Bank of Sydney
CBA
Citibank
Credit Union SA
Deposit Assure
Deposit Bond Australia
Deposit Power
eMoney (AFM)
Firefighters Mutual Bank
Firstmac
Flexicommercial
Funding
Get Capital
Granite Home Loans
Great Southern Bank
Greenlight Auto Finance
Health Professionals Bank
ING
Judo Bank
Keystart (WA only)
La Trobe
Latitude Financial
Liberty
Macquarie
ME Bank
Medfin
Metro Finance
MKM Capital
Moneyplace
Mortgage Ezy
Moula
My State
NAB
Plenti
Prima Capital
Prospa
Qbank
RedZed
Resimac
Scotpac Business
Shift
Society One
St George
Suncorp
Symple Loans
Teachers Mutual Bank
Think Tank
Tradeplus