Credit guide

What a credit guide is

A credit guide is a document that the National Consumer Credit Protection Act 2009 (Cth) requires a credit assistance provider to give you. It sets out, among other things:

• who I am and the Australian Credit Licence I work under;
• how I'm paid, including fees you may pay and commissions I may receive from lenders;
• the lenders I most commonly arrange loans with;
• that I must assess whether a loan is not unsuitable for you, and that you can ask for a copy of that assessment; and
• how to make a complaint, including to the Australian Financial Complaints Authority.

When you receive one

I'll give you the credit guide as soon as it becomes clear that I'm likely to help you with credit, and before I do. In practice that's early, usually at or after our first conversation about your needs, and always before I suggest a loan or help you apply. You'll also receive other documents later in the process, such as a credit quote where a fee applies and a credit proposal disclosure before an application.

Browsing this website or sending an enquiry is not credit assistance, so you don't need the guide to get in touch. You're welcome to read it first.

Download the credit guide

The credit guide is issued under my licensee's Australian Credit Licence. It is the only place where fees, commissions and the lenders I use most are stated, so please rely on it rather than on anything summarised elsewhere.

My licensee and representative details

You can check a Credit Representative Number or an Australian Credit Licence on ASIC's professional registers.

Questions

If anything in the credit guide is unclear, ask me. I'm happy to walk you through how I'm paid and what it means for you before you decide anything. If you have a concern about the service I've provided, see my complaints page.