重要信息与文件Information & documents

信用指南与授权Credit guide & authorisation

信用指南用于说明服务主体、授权、联系及投诉途径。正式公司文件尚未收到；此页不代替 Credit Guide。

The credit guide identifies the service provider, authorisation and contact and complaint arrangements. The approved company document is not yet available. This page does not replace a Credit Guide.

待接入：现行 Credit Guide、持牌主体及 ACL、公司与个人代表编号、文件版本和生效日期。

Required: current Credit Guide, licensee and ACL, relevant representative numbers, document version and effective date.

费用、佣金与转介Fees, commissions & referrals

讨论方案时，应同时了解贷款机构费用、经纪服务收费以及可能影响选择的佣金和转介安排。不要仅凭月供或广告利率判断总成本。

Consider lender charges, broker service fees, commissions and referral arrangements alongside repayments and advertised rates.

公司的实际收费、佣金安排、转介利益及贷款机构范围待正式文件确认；本页不承诺免费服务或全市场比较。

Company fees, commissions, referral benefits and lender coverage await confirmation. This page does not promise a free service or whole-market comparison.

隐私与资料收集Privacy & collection notices

当前演示表单不接收或发送咨询资料，还款估算在浏览器内进行。请勿在预览中提交身份证件、税号、账户或贷款文件。网站托管和登录服务可能处理技术访问数据；这不等于整个网站不处理任何个人信息。

The demo enquiry forms do not accept or send enquiries. Repayment calculations run in your browser. Do not submit identity, tax, account or loan documents through the preview. Hosting and sign-in services may process technical access data; this is not a claim that the entire website processes no personal information.

正式隐私政策及表单收集告知待批准：需说明收集目的、接收方、服务供应商、境外处理、保存与安全措施、访问更正和隐私投诉途径。

Approved privacy policy and form-specific collection notice pending: purposes, recipients, service providers, overseas handling, retention and security, access, correction and privacy complaints.

投诉与反馈Complaints & feedback

如对服务有疑问，可先记录事情经过、相关日期和希望如何解决，并保留往来记录。公司正式投诉入口与适用的外部争议解决安排尚待核实。

Keep a record of what happened, relevant dates, correspondence and the outcome you seek. The company complaint contact and applicable external dispute resolution arrangements are awaiting verification.

待接入：经批准的 IDR 流程、投诉负责人及联系方式、响应时限、适用 AFCA 会员主体与升级途径。尚未确认公司 AFCA 会员状态。

Required: approved IDR procedure, complaint contact, response timeframes, applicable AFCA member entity and escalation route. Company AFCA membership has not been verified.

网站、利率与估算说明Website, rates & estimates

本网站内容是一般信息，不构成个人信贷建议、贷款要约或批准承诺。银行利率栏目是指定用途与还款方式下的部分公开产品快照，不能代表你可获得的报价，也不表明本公司可提供所有所列产品。

This website provides general information, not personal credit advice, a loan offer or approval. The rates section is a snapshot of selected public products with stated purposes and repayment types. It is not your available quote or a claim that all displayed products are available through us.

比较利率基于 $150,000、25 年贷款，可能不含所有费用；金额、期限和费用变化会改变结果。计算器假设全期利率不变、按月本息同还，不含费用、税费、抵消账户和提前还款。银行条件与最终审批适用。

Comparison rates use a $150,000 loan over 25 years and may exclude fees. Different amounts, terms and fees change the result. The calculator assumes a constant rate and monthly principal-and-interest payments, excluding fees, taxes, offset balances and extra payments. Bank terms and final assessment apply.

独立消费者信息Independent consumer information