Disclaimer

Information on this site

The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.

What this means in practice

• Calculators are indicative only. They are not loan quotes, pre-approvals, or guarantees of borrowing capacity. Lender policies vary. Your actual borrowing capacity with a specific lender may differ materially from any calculator output on this site.
• Interest rates change daily. Any rate referenced on this site is illustrative as at the date of publication and is not a quoted rate. The Comparison Rate Warning (where rates appear) applies in full.
• Lender panel changes. Our access to lenders changes over time. We do not commit on this site to any specific lender being available to you.
• Government schemes change. First Home Buyer schemes, stamp duty rates, and tax treatments are subject to change at every state and federal budget. Information current as at the data file last_updated field on each calculator.
• Strategy Memos are personal. Any Strategy Memo we prepare for you is based on the information you provide and the lender policies as at the date of the Memo. They are not transferable and are not advice for any other party.

No general financial advice

We provide credit advice in our capacity as a mortgage broker. We do NOT provide:

• Tax advice (refer to your accountant)
• Financial planning advice (refer to a licensed financial planner)
• Legal advice (refer to a solicitor or conveyancer)
• Investment advice on assets other than mortgaged property structures

Compensation disclosure

Our compensation comes primarily from lenders in the form of upfront and trail commissions. The exact structure varies by lender and product. We disclose the specific compensation we receive on each loan in your loan documentation. We do not charge clients ongoing fees for residential mortgage broking.

For complex commercial or self-employed lending requiring significant pre-application work, we may charge a fixed engagement fee, disclosed in writing in advance.

Your responsibilities

Before acting on anything on this site:

1. Verify the figure or assumption with us directly
2. Consider your personal financial situation
3. Read the loan contract carefully if proceeding with a loan
4. Seek independent advice where appropriate (tax, legal, financial planning)

Contact

If anything on this site is unclear or seems out of date, please let us know:

• Phone: +61 426 263 391
• Email: william@brilliantfs.com.au