Connective Credit Services Pty Ltd is licensed under the National Consumer Credit Protection Act 2009.
The details of our licence are as follows:
Licensee Name Connective Credit Services Pty Ltd
Address Level 20, 567 Collins Street, Melbourne VIC 3000
Telephone 1300 656 637
Email compliance@connective.com.au
Australian Credit Licence Number 389328

We have authorised William Taweel as our credit representative. The details of William’s authorisation are:
Credit Representative Name William Taweel
Address 2/133 Wharf St
TWEED HEADS NSW 2485
Telephone 0424 199 391
Email will.taweel@investorfi.com.au
Credit Representative Number 457567

Your Best Interests
Our broker’s priority is to you, their customer. We require our brokers place your finance needs above those of anyone else.
Our brokers are required to be transparent about products, your options, applicable fees, and charges as well any conflicts of interest. They will communicate in simple to understand language and act with the highest standards of integrity. They are committed to ensuring the product selected will meet your needs, requirements and be in your best interests at the time of assisting you obtaining finance.
Credit Guide
This Credit Guide contains important information about us, the services we provide and the activities of the credit representative operating under our credit licence. It also contains:
• information about fees and charges that may be payable by you to us;
• commissions that we may receive when we are acting as a credit representative;
• commissions that we may pay to third parties for the introduction of business; and
• information about what you should do if you have a complaint or dispute regarding our services and activities.
We are required to provide this document to you as soon as practicable after it becomes apparent that we are likely to provide credit assistance to you. We provide “credit assistance” when we:
1. Suggest or assist you in applying for:
a. a particular loan with a particular lender; or
b. an increase to an existing loan with a particular lender; or
2. Recommend that you remain in an existing loan contract.
Preliminary Assessment
Prior to providing credit assistance to you, we must assess whether the particular loan is “unsuitable”. A loan will be “unsuitable” based on the information you provide to us if:
1. You will be unable to repay the proposed loan or will only be able to repay the proposed loan with substantial hardship; or
2. The proposed loan does not meet your requirements and objectives.
We are required to document our findings that the proposed loan is not unsuitable by way of completing a Preliminary Assessment. The Preliminary Assessment will set out your:
• requirements and objectives;
• financial and relevant personal situation; and
• ability to repay the proposed loan.
We are also required to take reasonable steps to verify information provided by you to us.
This verification may include:
• requesting you for copies of documents that demonstrate your financial situation - in some cases we may also need to sight original documents, and
• contacting third parties to assist in verifying the information that you provide.
Obtaining a copy of the Preliminary Assessment
If we provide you with credit assistance, you may request a copy of our Preliminary Assessment anytime for up to 7 years and we must provide you with a copy of the assessment within the following timeframes:
Your request is made: We will give you your assessment:
Before the Credit Day* As soon as possible after we receive your request
Up to 2 years after the Credit Day Within 7 business days after we receive your request
Between 2 to 7 years after the Credit Day Within 21 business days after we receive your request
*The Credit Day is the date the credit contract (i.e. the loan) is settled or the loan amount is increased.
There is no charge for requesting or receiving a copy of the Preliminary Assessment.
Fees and charges that are payable by you in relation to our credit assistance
We may charge a fee for providing credit assistance to you. If applicable, details about these fees payable by you will be set out in a Credit Quote which we will give you prior to submitting your loan application.
Other fees and charges
You may have to pay other fees and charges (such as application fees, valuation costs and other applicable fees) to the lender or other parties. You should review the particular loan contract documentation for further details of any such fees and charges.
How do I get paid?
Our aggregator receives commission from the lenders and then pays us commission in relation to loan contracts (such as home and investment property loans).
An upfront commission is payable by lenders in relation to settled (drawn-down) loans and is calculated as a percentage of the loan amount. It is usually paid after settlement of the loan.
Trail commission is payable by lenders in relation to settled (drawn-down) loans. It is calculated monthly on the outstanding loan balance and is paid in arrears.
The upfront and trail commissions that we are paid by lenders are not payable by you. Details of commission to be received will be included in the Summary of Requirements and Credit Proposal document that we will provide you with when credit assistance is provided.
From time to time, I may also receive a non-commission benefit by way of training, professional development, entertainment, gift, conference attendance, sponsorship, or entry into a competition run by a lender or my aggregator, at no extra cost to you. The nature of such arrangements are temporary, and the occurrence and amounts are often not readily ascertainable, however if they are apparent as a result of assisting you with credit assistance, this will be disclosed to you.
Other people we deal with
Our aggregator
We have approval to utilise lenders and their loan products through the services of our aggregator Connective Broker Services Pty Ltd ABN 77 161 731 111, Credit Representative 437202 authorised under Australian Credit Licence 389328. The aggregator charges us a fee depending on our contract arrangements, consisting of:
• a share of commission that is paid by the particular lender;
• a membership fee for our business;
• a monthly fee for each of our accredited loan writers.
Commissions paid by Connective’s lender panel are transparent and do not influence the broker or consumer choice. Connective is committed to quality consumer outcomes in all circumstances.
Referrers and referral fees
We obtain referrals from a range of sources, including accountants, financial planners, real estate agents and other people. If you were introduced or referred to us, we may pay the referrer a commission or a fee.
Details of any commission or fees being paid to the referrer will be included in the Summary of Requirements and Credit Proposal document we provide to you.
Dispute resolution and complaints
We are committed to providing you with the best possible service, however we understand there may be times where you are not satisfied. If this occurs please inform us verbally or in writing with the exact details of your complaint, so we can work towards a prompt and fair resolution.
If we are unable to reach a satisfactory resolution, you can make a complaint in writing to the Australian Credit Licence holder, Connective Credit Services Pty Ltd. With regards to complaints resolution, we are mindful of the need to ensure that consumers are treated fairly and with respect during the complaints handling process. Any dissatisfaction with a credit representative operating under the licence will be handled in an efficient, timely and effective manner in accordance with ASIC regulations of Internal Dispute Resolution (IDR).
Connective Credit Services Pty Ltd details are:
Attention: Compliance and Complaints Handling Officer
Phone: 1300 656 637
Email: compliance@connective.com.au
Website: https://www.connective.com.au/
Mail: Level 20, 567 Collins Street, Melbourne VIC 3000
We hope that you will be satisfied with how we deal with your complaint. However, if your concerns remain unresolved, or you have not heard from us within 30 days, then you can have your complaint heard by an independent party. The complaint can be lodged with the Australian Financial Complaints Authority (AFCA):
Phone: 1800 931 678 (free call)
Email: info@afca.org.au
Website: www.afca.org.au
Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.
Things you should know
We don’t provide legal or financial planning 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 planning advice before you enter any loan contract.
Our lender panel
We are authorised to engage in credit activities and therefore provide assistance to obtain loans for you from a panel of lenders. The following are the lenders through which we have conducted the most business over the last 12 months.
Connective Credit Services Pty Ltd’s top six lenders are as follows:
1. ANZ
2. NAB
3. Commonwealth Bank
4. Macquarie Bank
5. Westpac
6. St George Bank
Entertainment and hospitality register
We hold and maintain an entertainment and hospitality register. A copy can be provided on request.
Preferential service offerings and programs
I have access to tiered servicing programs through the lenders listed below. These programs give you, as my customer access to preferential services. Access to these programs is not based solely on the volume of loans submitted and does not entitle me to any additional commission outside of what I will disclose to you if a loan is submitted to one of these lenders. It should be noted that these preferential services do not provide customer discounts.
Further Information
For more information about this Credit Guide or anything else regarding our services, just contact us at any time. We’re here to assist you.


Privacy disclosure statement
Part A
Overview
In handling your personal information, INVESTORFI PTY LTD ABN 39660332132 and its individual representatives (“the Broker”) are committed to complying with the Privacy Act 1988 and the Australian Privacy Principles.
The Brokers are authorised credit representatives of Connective Credit Services Pty Ltd Australian Credit Licence 389328 (‘we, us, our’). Any reference to “we, us, our” are to the Broker and will include reference to our aggregator, Connective Broker Services Pty Ltd and any of its related companies (“Connective”).
We collect information about you for the purposes you agree to in this Privacy Disclosure Statement and Consent (“Consent”). When you ask us to assist, you agree we can, consistent with Australia’s privacy and credit reporting laws, collect, use and exchange consumer and/or commercial credit and personal information (“information”) about you for those purposes.
We are collecting information about you, as applicable:
• To source for you, or a company of which you are a director:
 Consumer credit for personal, household, domestic or residential investment purposes; or
 Commercial credit for business purposes; or
 Other services stated in this Consent; or
• To support a guarantor application, you will provide.
As your broker, we require the information we collect from you to assess your credit or guarantor application or the credit application of a company of which you are a director, to source a suitable credit provider and any required insurances and to manage the application process, where required. If you do not provide the information sought, we may be unable to process your application, or the company’s application, or we may be limited in the other services we can offer you or the company.
Your information - Collection and Disclosure
The personal information we collect may include a broad range of information from your name, address, and contact details to other information about your qualifications, employment history and financial information.
“Personal information” may include any sensitive information (including health information) and may include any information you tell us about any vulnerability you may have. We may use that information to assess your application and, where appropriate, to source a suitable credit provider or lessor and / or insurance provider. We may, as appropriate:
• Disclose your identification information to a consumer credit reporting service (“Consumer CRS”) and/or a commercial credit reporting service (“Commercial CRS”), where we hold your consent, (refer Schedule 1).
• Use any information a CRS provides in its report to assist us to preliminarily assess your credit or guarantor application (references to a “CRS” could be to either a Consumer CRS or a Commercial CRS).
• Disclose your information to an insurer or insurers to source any insurances you wish to obtain; and
• Disclose your information to our advisers, aggregators, licensees and other financial intermediaries, a credit provider or credit providers to apply for finance on your behalf.
Some of the recipients to whom we disclose your personal information may be based overseas. It is not practicable to list every country in which such recipients are located but it is likely that such countries will include the Philippines, India and Nepal.
How we protect your information
We take all reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or exposure. All Connective staff are required by the terms of their employment to maintain the confidentiality of customer information. Access to your information is restricted to those employees whose job requires that information. Access to our premises and computer systems is restricted through locks, password protection, internet firewalls and routers.
We will take reasonable steps to destroy or de-identify your personal information when your personal information is no longer required for our business functions.
Credit Providers
As part of providing our services to you, we may undertake tasks for a credit provider which are reasonably necessary to manage the application process. When doing so, we are acting as agent for the credit provider, with the same privacy law requirements applying to both of us.
We may submit your application to one or more credit providers. A full list of the lenders (credit providers) we have access to can be found at:
• www.connective.com.au/mortgage-broking/connective-lender-panel; and
• www.connective.com.au/connective-asset-finance/connective-asset-finance-lender-panel.
A credit provider, to whom we submit an application, may disclose information about you to, and collect information about you from, one or more CRS.
The website of each credit provider contains details of each CRS with which it deals and other details about information held about you, including whether that information may be held or disclosed overseas and, if so, in which countries. The websites also describe your key rights. These details may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’ or ‘privacy disclosure statement and consent’, or similar.
For each Consumer CRS a credit provider uses, the website details will include the following specific information:
• That the CRS may include information the credit provider discloses about you to other credit providers to assess your credit worthiness.
• That, if you become overdue in making consumer credit payments or commit a serious credit infringement, the credit provider may disclose that information to the CRS.
• How you can obtain the credit provider’s and/or the CRS’s policies about managing your information.
• Your right to access and/or correct information held about you and to complain about conduct that may breach the privacy and credit reporting laws.
• Your right to request a CRS not to undertake pre-screening for purposes of direct marketing by a credit provider.
• Your right to request a CRS not to release information about you if you believe you are a victim of fraud.
This detail will also be included by the credit provider who approves your application in the privacy disclosure statement and consent document it will provide to you.
Each credit provider website includes information on how to contact it and how to obtain a copy of its privacy documents in a form that suits you (e.g. hardcopy or email).
You agree we may:
• Use your information:
 To assess your consumer or commercial credit and/or guarantee application and/or to assess a credit application by a company of which you are a director.
 To source any finances you require.
 To source any insurances you require.
 As the law authorises or requires.
• Disclose to, and obtain from, any prospective credit provider or insurer, information about you that is reasonably necessary to obtain the finance and insurances you require.
• Obtain from, and disclose to, any third party, information about you, the applicant(s) or guarantor(s) that is reasonably necessary to assist you obtain the finance and insurances required.
• Provide your information, including your credit report(s), to one or more of the credit providers so they can assess your application, or the application of a company of which you are a director, or your suitability as a guarantor.
• Provide information about you to a guarantor, or prospective guarantor.
• Disclose your information to the extent permitted by law to other organisations that provide us with services, such as contractors, agents, printers, mail houses, lawyers, document custodians, securitisers and computer systems consultants or providers, so they can perform those services for us. Some of which may be located overseas.
• Disclose your information to any other organisation that may wish to acquire, or has acquired, an interest in our business or any rights under your contract with us, or the contract with us of a company of which you are a director.
Your rights
You have the right to ask:
• Us to provide you with all the information we hold about you.
• Us to correct the information we hold if it is incorrect.
• Us for copies of our privacy policy and this document, in a form that suits you (e.g. hardcopy or email).
• A CRS not to use your information for direct marketing assessment purposes, including pre-screening.
• A CRS to provide you with a copy of any information it holds about you.
You can gain access to the information we hold about you by contacting our Privacy Officer at the following address:
PO BOX 472
Baulkham Hills, NSW, 1755
In some cases, an administration fee may be charged to cover the cost of providing the information. Our Privacy Policy also deals with our complaints process and is available on our website or we will provide you with a copy if you ask us. Schedule 1 at the end of this document sets out the contact details for each CRS.
Extended Effectiveness for Commercial Credit
Your agreement and consent to the disclosures and consents in this document will be effective for a period of 12 months, but only in relation to commercial credit. Your agreement to this ceases when you either withdraw it by contacting us using our details above or 12 months after you sign below, whichever first occurs. This will allow us to continue to provide our services to you without the need to ask you to sign a new privacy statement and consent each time you require commercial credit within a 12-month period. The extended effectiveness does not apply in relation to consumer credit.
Where the applicant, or guarantor, is a company of which you are a director, you consent to the disclosure and use of your information, in addition to the company’s information, in each of the ways specified in this document.
Your consent to collect and disclose
By asking us to assist, you consent to the collection and use of the information you have provided to us for the purposes described above.
For more information on your privacy rights please visit www.privacy.gov.au


Part B
Your consent to provide your personal information to a credit reporting body (CRS)
We can act as your agent to obtain a report or information about your consumer or commercial credit worthiness from a (CRS). To do so, we may disclose personal information such as your name, date of birth and address to the CRS to obtain an assessment of whether that personal information matches information held by it.
Please tick the box below to authorise the Broker or Connective to obtain a credit report on your behalf.
• I/We appoint the Broker or Connective to obtain a credit report on my/our behalf.
You also agree and consent to, as appropriate:
• A CRS specified in Schedule 1 disclosing information to a credit provider for the purpose of assessing your application for consumer or commercial credit or your guarantor application, and/or assessing a credit application by a company of which you are a director.
• When you are a prospective guarantor, a credit provider using that information to assess your suitability as a guarantor.
• A credit provider disclosing your information (including information obtained by it from a CRS) to a guarantor, or a prospective guarantor.
• A credit provider disclosing to another credit provider, to your agent, such as us as your broker, or to a servicer, for a particular purpose, information it holds about you.
By signing this document, you consent to us making a request on your behalf to obtain information about you from one or more credit reporting service(s) and credit provider(s). That information will assist us in providing our services to you.





Schedule 1 - CREDIT REPORTING SERVICES

CONSUMER/COMMERCIAL CREDIT REPORTING SERVICES
www.equifax.com.au
13 83 32
Experian www.experian.com.au 1300 783 684
illion www.illion.com.au 13 23 33

Credit Guide & Privacy Consent

Credit Guide – November 2021

This is the Credit Guide of ZENRG Finance Pty Ltd - ABN/ACN: 98 161 155 791, Australian Credit Licence: 471677. We are licensed to arrange loans and leases under the National Consumer Credit Protection Act 2009. The NCCP Act regulates the activity of lending, leasing and finance broking.

About Us

CREDIT REPRESENTATIVE DETAILS
Adviser Name Allen Chan
Credit Representative Number
AFCA Membership Number 43144
MFAA Membership Number 150616
Email allen@zenrgfinance.com.au
Phone Number +61 452 074 882
Business Name ZENRG Finance Pty Ltd
Address 2 O'Connell St, Parramatta NSW 2150, Australia

CREDIT LICENCE DETAILS
Australian Credit Licence ZENRG Finance Pty Ltd
Credit Licence Number 471677
AFCA Licence Number 43144
Address 44/2 O'Connell Street Parramatta NSW 2150
ABN 98 161 155 791
Phone Number 0452074882

About this Credit Guide
This Credit Guide is designed to assist you in deciding whether to use the services we offer.

Services we Provide
We will provide you with information on a range of lenders and products. Once you have chosen a loan or lease that is suitable for you, we will help you to obtain an approval.

Our Associations and Relationships
All our credit representatives are accredited withZENRG Finance Pty Ltd - Australian Credit Licence: 471677. Below are the six lenders with whomZENRG Finance Pty Ltd conducts the most business with:
Westpac, NAB, CBA, Macquarie Bank, St George, Bankwest
Our Best Interests Duty (BID) Obligations to You
As of the 1st January 2021, the best interests duty (BID) was enshrined into law that requires mortgage brokers to act in the best interests of the consumer when providing credit assistance. BID was largely introduced to improve customer outcomes after recommendations from the Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry were made relating to mortgage broking. The law requires us to:
• act in the best interests of the consumer when providing credit assistance;
• give priority to consumers where a conflict of interest is identified when providing credit assistance; and
• not accept conflicted remuneration.
These obligations have largely improved how:
• mortgage brokers gather and document information about a consumers’ individual circumstances, requirements & objectives;
• mortgage brokers educate the consumer to make informed decisions;
• mortgage brokers assess relevant products inline with the consumers needs; and
• those options & the recommendation are presented.



Our Responsible Lending Obligations to You
We are obliged to ensure that any loan, or principal increase to a loan, we help you to obtain, or any lease we help you enter, is not unsuitable for you. To decide this, we may 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 enquiries about your requirements and objectives;
• make reasonable enquiries about your financial situation; and
• take reasonable steps to verify that financial situation.
Credit will be unsuitable for you if, at the time of the assessment, it is likely that the following would apply at the time credit is provided:
• you could not pay or could only pay with substantial hardship; or
• the credit will not meet your requirements or objectives.
For example, if you can only repay by selling your principal place of residence, it is presumed that the loan will cause substantial hardship unless the contrary is proved. For this reason, we must ask you to provide a significant amount of information. It is important that the information you provide is accurate, complete and up to date.
We will provide you with a copy of our preliminary assessment of your application, if you ask within seven years of when we provided assistance to you. This requirement is only triggered if we give you credit assistance.
If we arrange a loan for you to purchase or refinance real estate, remember you must make your own enquiries about the value of the real estate and its potential for future growth. Although we may obtain a valuation, that is for our own use and you should not rely on it.

Our Fees and Charges
Generally, no fees or charges are payable by you to us for our credit assistance. In some instances, a fee for service may be required. Details of these fees will be set out in a Credit Quote.
However, you may be charged a lender’s application fee, valuation fees and other fees associated with the loan. These fees are not charged by us and will be disclosed to you prior to submission of the credit application. Please note, however, that if a valuation is conducted and you ultimately choose not to proceed with the loan, you may be liable for the valuation fees.

Commissions
We may receive commissions from the lenders and lessors who provide finance for you as our customers. These fees are not payable by you. You may obtain information relating to reasonable estimates of those commissions and how they are calculated.
When we provide you with credit assistance, you may ask us for a reasonable estimate of the commission likely to be received, directly or indirectly by ZENRG Finance Pty Ltd and its credit representatives.
From time to time, we may receive financial or non-financial benefits from ZENRG Finance Pty Ltd, lenders, lessors or others. Some or all of a commission received by ZENRG Finance Pty Ltd may be paid to our Credit Representatives.

Referral Commissions
Vow Financial Pty Limited may pay Commissions to our credit representatives for referring to our Diversification Partners such as Vow Legal. Referral Commissions may be a percentage of professional fees charged by the Diversification Partner. These fees are not payable by you.

Referral Fees
We may pay a referral fee (i.e. commission) for third party referrals. An example of a referrer would be a real estate agent or solicitor. This fee is not payable by you. This fee will be disclosed in the Credit Proposal Disclosure Document or equivalent document. You may on request obtain a reasonable estimate of the amount of commission and how it is calculated.
ZENRG Finance Pty Ltd and your representative may also receive a benefit for referring you to other specialist service providers.





Internal Dispute Resolution
If you are unhappy with our services, please contact us first by contacting our Complaints Manager on the following:
ZENRG Finance Pty Ltd - Complaints Manager
Telephone 02 98913269
Email info@zenrgfinance.com.au
Post 44/2 O'Connell Street Parramatta NSW 2150
Website www.zenrgfinance.com.au
We will endeavour to resolve your complaint quickly and fairly.


External Dispute Resolution – Australian Financial Complaints Authority (AFCA)
If your complaint has not been resolved to your satisfaction, you may contact the Australian Financial Complaints Authority (AFCA), which is an independent dispute resolution scheme for financial services complaints.
Telephone 1800 931 678
Email info@afca.org.au
Post GPO Box 3, Melbourne VIC 3001
Website www.afca.org.au


Things you Should Know
You should ensure that you have approved finance, in writing from the lender, before entering a binding contract to purchase.
It is important you understand your legal obligations under the loan, and the financial consequences. If you have any concerns, you should obtain independent legal and financial advice before you enter into a loan contract.
We do not make any promises about the value or future prospects of any property you finance with us. You should always rely on your own enquiries.
Before you accept your loan offer, make sure you read the credit contract carefully to understand full details of the loan. If you have any doubts, you should obtain independent legal and financial advice before you enter into any loan contract.
We represent lenders and have obligations to them, and in particular, to not provide any information we know is misleading or deceptive. We also have obligations under the law to report any fraud, forgery, or other illegal activities. Before using our services, it is important that you understand that we have these obligations to lenders, and under the law.
ZENRG Finance Pty Ltd is required to have adequate arrangements in place to ensure you are not disadvantaged by any conflict of interest.



Privacy Consent
ZENRG Finance Pty Ltd - ABN/ACN: 98 161 155 791, Australian Credit Licence: 471677 and our related businesses, authorised representatives and credit representatives (‘we’, ‘us’, ‘our’) are collecting personal and financial information about you.
We collect personal information to provide you with the services that you have requested, manage our relationship with you, for the purposes of assessing your application for finance and managing of that finance. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time we may offer you other products and services. If you would like to opt out of direct marketing material, please contact your credit representative.
ZENRG Finance Pty Ltd is collecting personal and credit-related information about you.
1. The personal and credit-related information you provide will be held by us. Personal information may include any sensitive information (including health information) and may include any information you tell us about any vulnerability you may have.
2. You appoint us your agent to act as an ‘access seeker’ to obtain your credit-related information from a credit reporting body (CRB) on your behalf and for the purpose of assisting you with your application for credit. You authorise us to disclose any credit-related information we obtain, including personal information, to prospective financiers in connection with your application for credit.
3. We may use credit-related information and any other personal information you provide to assist you in applying for a particular credit contract and other credit related services.
4. We may exchange the information with the following types of entities, some of which may be located overseas:
• CRBs, including for a credit guarantee purpose;
• persons who provide credit or other products to you, or to whom an application has been made for those products;
• any person or entity who represents you including financial consultants, accountants, lawyers, mortgage brokers, persons holding power of attorney, guardians and advisers; any industry body, government authority, tribunal, court or otherwise in connection with any complaint regarding our services;
• any investors, agents or advisers, trustees, ratings agency or businesses assisting us with funding for credit made available to you or any entity that has an interest in your finance;
• where we are authorised to do so by law, such as under the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth), government and law enforcement agencies or regulators;
• any person, including any referrer, where you have provided us consent;
• any of our associates, related entities or contractors;
• other guarantors or borrowers (if more than one) or borrowers or prospective borrowers of any credit you guarantee or propose to guarantee;
• your referees, such as your employer, to verify information you have provided;
• any person considering acquiring an interest in our business or assets; and
• any organisation providing online verification of your identity.
5. You may gain access to the personal information that we hold about you by contacting us. A copy of our full privacy policy can be obtained from our website, by visiting www.zenrgfinance.com.au or by contacting us on 02 98913269.
Our privacy policy contains information about how you may access or seek correction of the information we hold about you, how we manage that information and our complaints process.
By signing this consent, you agree that we may collect, use and disclose your information also as specified below:
• You agree that we may collect, use and disclose your information as specified above.
• Consent to provide your personal information to a Credit Reporting Body (CRB).
• We can act as your agent to obtain a report or information about you consumer or commercial credit worthiness from a CRB.
We may disclose personal information such as your name, date of birth and address to the CRB to obtain an assessment of whether that personal information matches information held by it.

Declaration & Consent
• I / We declare that I am/ we are over the age of 18 and the information that we provide are true and accurate.
• I / We have read the above information and understand the reasons for the collection of my / our personal information and the ways in which the information may be used and disclosed, and I / we agree to that use and disclosure.
• I / We have read and understand that the information that I / we have provided will be shared with related and unrelated businesses as per the company’s privacy policy.
• I / We understand that the parties may cancel or refuse service(s) if information is found to be false or misleading.
• I am / We are aware that I / we can access my / our personal information upon request and if necessary, correct information that I believe to be inaccurate.
• I / We understand that I / we have read and understand the information contained within this form.

Australian Credit Licence 377294

The Credit Guide.

The Credit Guide contains key information that you need to know to make an informed decision about your loan options. It’s important that you take the time to read and understand all the information contained in the guide.

This Credit Guide provides you with the key information that you need to know about our finance broking services offered to you.

This Credit Guide summarises our offerings, fees and commissions we may receive, and the process to follow if you have a complaint. Please don’t hesitate to ask if you need more information or clarification.

This Credit Guide has been generated by:

Broker/Our/Us Gerardus Reurts (Known as: Erik)


Authorised Credit Representative name and Credit Representative number

GERARDUS HENDRIKUS REURTS (Australia Credit Representative 523587)

Organisation/Trading Name Mortgage Australia Group

Address 5 Muriel Avenue Epping, NSW, 2121
Phone 0298015410
Mobile 0416-179-876
Email Address erik@micah.com.au
Australian Credit Licence name and number Mortgage Australia Group Pty Ltd (Australian Credit Licence 377294) (Licensee)
Australian Company Number of ACL holder Not Applicable



As at 22/12/2022. The lenders listed above are part of our aggregator’s, Australian Finance Group Ltd (AFG), lender panel through which we submit loan applications. In order to submit loan applications to these lenders, a broker is required to be accredited with that lender. We are not accredited with each of the lenders listed above. Typically, brokers are accredited with 10 to 15 lenders. If we are not accredited with a lender in the panel above, we can refer you to another AFG broker who is accredited with that lender. Please contact me for further information.

I have settled loans with the following lenders in the last 12 months

AMP Bank, ANZ, Auswide Bank, Bank of Sydney, Bankwest, Bluestone,Citibank, Commonwealth Bank, Firstmac, Great Southern Bank,Heartland Reverse Mortgages,Macquarie Bank,Moneyplace,Pepper Money,St George Bank, Suncorp,Virgin Money

We aim to provide you with information from a range of lenders and products / loans that we are accredited with. Once you have chosen a loan that is suitable for you, we will help you obtain an approval.

Commonly used lenders by Licensee

The list below documents the 6 most commonly used lenders by our Licensee in the previous 12 months. This does not necessarily reflect all of the financial institutions that our Licensee is able to conduct business through.
However, if less than six lenders are displayed below, this is a summary of the lenders that our Licensee is able to utilise for loan submission purposes

Financial Institutions Percentage of applications submitted in the past 12 months

1. Commonwealth Bank 10.87%
2. ANZ 10.48%
3. NAB 8.6%
4. Macquarie Bank 7.06%
5. Westpac 6.63%
6. Bankwest 5.96%


Fees, Charges, Commission and Disclosures


Fees payable by you to third parties

When the loan application is submitted, you may need to pay the lender's application fee, valuation fees, or other fees that are associated with the loan application process, even if application for the loan is ultimately unsuccessful.

Fees payable by you to us or the Licensee

If a fee is payable by you, this will be disclosed in a Credit Quote that will be provided to you. If a Credit Quote is not supplied, this will indicate that we do not charge consumers any fees.

Payments received by us or the Licensee
We, and our Licensee or aggregator Australian Finance Group Ltd (AFG), may receive fees, commissions, or financial rewards from lenders or lessors in connection with any finance we arrange for you. These fees are not payable by you.

The commission / brokerage amount depends on the amount of the finance and may vary from product to product. We can provide you with information about a reasonable estimate of those commissions and how the commission is worked out if you require.

Commissions are paid based on a percentage of the loan balance that is drawn down which in most cases will be net of any amounts you hold in an offset account. The way commissions are calculated and paid to us by lenders may vary. By following the responsible lending requirements, we will ensure the loan recommended to you is not unsuitable for your situation and objectives.

Fees payable by us to third parties

We may pay fees to call centre companies, real estate agents, accountants, or lawyers and others for referring you to us. These referral fees are generally small amounts in accordance with usual business practice.

These are not fees payable by you. On request you can obtain a reasonable estimate of the amount of the fee and how it is worked out.

From time to time, we may also remunerate other parties through payments, rewards or benefits.




Tiered Servicing Arrangements

Through our relationships with lenders, we may have access to tiered servicing arrangements. The benefits of this access to these arrangements can include faster processing, better information or greater levels of assistance provided for obtaining loan approval. We will advise you of any tiered service arrangements that are in place with a particular lender that we have proposed at the time recommendations are made.

Access to this program is not based solely on the volume of new or existing lending our clients have with each respective lender and does not entitle us to any additional commissions or payments outside of what we have disclosed to you, or any preferential client discounts.



Other disclosures, benefits or interests we or others may receive

We are prohibited from accepting gifts or inducements over $300. Any benefit given to your broker greater than $100 and less than $350 will be recorded in a Gifts Register. A copy of our register is available to inspect on request. If you wish to inspect the register, please contact us.

Referrals

We may receive referrals from a range of sources, including accountants, financial planners, real estate agents and others. If you were introduced or referred to us, we may pay the referrer a commission, fee or remunerate them in other ways. Details of any commission or fees being paid to the referrer will be included in the Credit Proposal Disclosure document provided to you.
Credit & Valuation Reports

We may be provided access to free services such as credit report and valuations from our lenders. Details of any relevant services we may receive because of a recommendation we make to you, will be included in the Credit Proposal Disclosure document we provide to you.

Multiple Roles

We may act in other roles or capacities related to the credit assistance provided to you. Each business activity is separate however we may be paid remuneration in our other business activities as a result of the credit assistance provided to you. Further details of any relevant remuneration we may receive because of a recommendation we make to you, will be included in the Credit Proposal Disclosure document we provide to you.

Where we are unable to act due to a conflict of interest that cannot be managed appropriately, I will refer you to another party who will provide you services.

Related Parties

We have relationships with a number of related parties and associates. Details of any remuneration or possible conflicts will be included in the Credit Proposal Disclosure document provided to you.

Shareholding

We may directly or indirectly hold shares or other securities in AFG or the lenders we recommend. Details of any material holdings will be included in the Credit Proposal Disclosure document provided to you. If the material holding does not enable us to act due to a conflict of interest that cannot be managed appropriately, we will refer you to another party who will provide you services.

Ownership Structures

I may act in other roles or capacities related to the credit assistance I provide to you. Each business activity is separate however I may be paid remuneration in my other business activities as a result of the credit assistance we provide to you. Further details any will be included in the Credit Proposal Disclosure document I provide to you. Where I am unable to act in more than one capacity, I will refer you to another party who will provide you services that I am unable to due to a conflict of interest that cannot be managed appropriately by me.

AFG & AFG Home Loans

AFG Home Loans Pty Ltd (including AFG Securities Pty Ltd) are wholly owned subsidiaries of AFG. AFG may receive additional remuneration for any white label AFG Home Loans or securitised AFG Securities products that are settled. The remuneration received is in addition to those amounts paid to AFG as a mortgage broker aggregator and/or licensee. Details of this remuneration will be disclosed in your AFG Home Loan documentation.

Other


About Credit Representatives

We are authorised to engage in credit activities by the Licensee, Mortgage Australia Group Pty Ltd. As Licensee, they share responsibility in the credit assistance we provide to you.

Commonly used lenders by us

The list below documents the 6 lenders most commonly used us in the previous 12 months. The lenders disclosed below may be different to the lenders that the Licensee has already disclosed above. This may be due to different accreditation requirements or different types of consumers. The list below does not necessarily reflect all the financial institutions that we are able to conduct business through.

However, if less than 6 lenders are displayed below, this is a summary of the lenders that we are able to utilise for loan submission purposes

Financial Institutions Percentage of applications submitted in the past 12 months
1. Macquarie Bank 10.92%
2. ME 10.63%
3 Bankwest 10.74%
4 Suncorp 9.8%
5 Virgin Money 8.06%
6 Commonwealth Bank 6.8*

* The Top 6 lenders are based on the total volume of loans lodged in the last 12 months. Where I may not be accredited with 6 lenders the balance of lenders is made up of the top 6 lenders of my licensee.

**The % of loans is based on the total loans lodged over the past 12 months. This will not add up to 100% where I have lodged to lenders outside of my top 6.


How are we paid?

We may receive a whole or part of the commissions received by the Licensee referred to above. This may be paid to us directly or indirectly from the Licensee. You may obtain from us information about a reasonable estimate of those commissions and how the commission is worked out if you wish.

Commissions are paid based on a percentage of the loan balance that is drawn down; which in most cases will be net of any amounts you hold in an offset account. The way commissions are calculated and paid to your broker by lenders may vary. By following the responsible lending requirements your broker will ensure the loan recommended to you is not unsuitable for your situations and objectives.

Fees payable to third parties by us

The information set out above in relation to referral fees and other fees payable to third parties also applies to us. On request you can obtain a reasonable estimate of the amount of the fee and how it is worked out.


Complaints

If you have a complaint about the service that we provide, the following steps or avenues for resolution are available to you.
Step 1
Most complaints arise from miscommunication and can usually be fixed quickly. So, please contact Gerardus Reurts (Known as: Erik) first and express your concerns. You can request a written response at this time, even if the complaint is resolved in the first 5 working days.
Step 2
If the issue is not satisfactorily resolved within 5 working days by talking with Gerardus Reurts (Known as: Erik), 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.

Complaints Officer
Name Erik Reurts
Phone 0416179876
Email erik@micah.com.au
Address 5 Muriel Ave Epping NSW 2121


Note: In some instances we may also be fulfilling the role of the Complaints Officer. This will not affect the capacity to have your complaint dealt with appropriately.

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 30 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.

Step 3
Although we try hard to resolve a client’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.

The Australian Securities and Investments Commission external dispute resolution (EDR) process is available to you, at no cost at the contact details below.

EDR (Licensee)
Name AFCA
Phone 1800 931 678

Email Online
Address Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001


Things you should know

We 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.



Privacy disclosure statement and consent

Each consent given in this document continues until withdrawn in writing.

Privacy disclosure statement and consent

I/We consent to you using Personal Information, financial information and Credit Information about me/us for the purpose of arranging or providing credit, providing credit assistance, insuring credit, and for direct marketing of products and services offered by you or any organisation you are affiliated with or represent each of which may contact me/us for such a purpose including by telephone and electronically and acknowledge that you may receive a fee or commission for referring me/us to a product or service provider, such as an insurance provider. In this document “you” means each of Australian Finance Group Ltd (AFG), each subsidiary of AFG, the Appointed Credit Service Provider and their organisation and any assignees or transferees of the commissions relating to any credit provided to me arranged by the Appointed Credit Service Provider or their organisation. In this document, ‘Personal Information’ includes any sensitive information (including health information) and any information I/we tell you about any vulnerability I/we may have.
The Personal Information provided by me/us will be held by you. I/We can obtain a copy of AFG’s Privacy Policy at www.afgonline.com.au. Your privacy policy contains information about how I may access or seek correction of my Personal Information, how you manage that information and your complaints process. If I/we do not provide the requested Personal Information, I/we acknowledge that you may be unable to assist in arranging finance or providing other services.

You may disclose Personal Information about me/us to the following types of entities, some of which may be located overseas (including in USA, Canada, Malaysia, India, Ireland, the United Kingdom, Serbia and the Philippines):
• any persons who provide credit or other products or services to us, or to whom an application has been made for those products or services;
• any financial consultants, accountants, lawyers and advisers;
• any industry body, tribunal, court or otherwise in connection with any complaint;
• any person where you are required by law to do so;
• any of your associates, related entities or contractors (including printing/publication/mailing houses, IT service providers, cloud storage providers, lawyers/accountants);
• our referees, such as our employers, to verify information we have provided;
• any person considering acquiring an interest in your business or assets;
• any organisation providing online verification of our identities;
• credit reporting bodies and other credit providers.

Credit information
I/We hereby authorise you to receive Credit Information from any lender about my/our credit affairs, and to provide any relevant real estate agent, lawyer, conveyancer, agent or person authorised by me access to my Credit Information, with details of whether finance has been approved for us, and if it has, the terms of that approval, including providing a copy of any approval letter.

I/We appoint you as our agent and authorise you to obtain our Credit Information (including both consumer and commercial credit eligibility information) from a credit reporting body on our behalf. You are authorised to use that Credit Information to assist you to provide services, including credit assistance, to me/us and to assist me/us to apply for credit. You are also authorised to exchange my/our Credit Information with a credit reporting body. I/We acknowledge that you consent to these authorisations being provided in an electronic form (if applicable).

In this document ‘Credit Information’ is personal information or an opinion about me that has a bearing on credit that has been provided to me or that I have applied for. This includes information such as my/our identity information, the type, terms and maximum amount of credit provided to me/us, repayment history information, default information (including overdue payments), court information, new arrangement information, financial hardship arrangement information including whether I have made a financial hardship arrangement with you, personal insolvency information, disciplinary proceedings, complaints, delinquency, fraud investigations and details of any serious credit infringements. ‘Credit eligibility information’ is credit reporting information supplied to you by a credit reporting body, and any information that you derive from it.

Receiving information electronically

I/We consent to receiving credit assistance documentation and loan application information electronically. I/We acknowledge and agree that paper documents may no longer be given, electronic communications must be regularly checked for documents and this consent to receive electronic communications may be withdrawn at any time.

Video or audio conference recording

I/We consent to you obtaining Personal Information, financial information and Credit Information about me/us by way of video conference and/or by way of audio conference for the purpose of arranging or providing credit, providing credit assistance or insuring credit and give my/our permission for that video and/or audio conference to be recorded and provided to a credit provider, insurer or government agency for this purpose.