Terms and Conditions
The terms on which you use this website, and what the information here is and is not.
Who We Are
This website is operated by Mortgage Broker Mackay (ABN 35 361 524 667), Mackay, QLD 4740. Contact us on (07) 4849 4617.
Australian Credit Licence 587864 AFCA membership details are published here once our credit licence is attached.
General Information Only
Everything on this site is general in nature. It does not take account of your objectives, financial situation or needs, it is not credit advice, and you should not act on it without working out whether it suits your circumstances. Where a recommendation is made to you, it is made in writing after we have assessed your specific situation, not by this website.
All lending is subject to lender criteria, assessment and approval. Nothing here is an offer of credit, a promise that credit will be approved, or a guarantee of any outcome.
Figures, Schemes and Thresholds
Grant, scheme, cap and regulatory figures on this site are stated as at the dates shown beside them. They change, sometimes at short notice and sometimes without transitional arrangements. Check the current position with the Queensland Revenue Office, Housing Australia, APRA or the relevant scheme administrator before you rely on any figure here.
Some figures on this site come from secondary market data providers and are marked as such. We verify them against the source before we rely on them in your application.
We do not publish interest rates, fees or repayment figures on this site. The figures that matter are the ones a specific lender offers your specific application, and we give you those in writing.
Lender Policy
Statements about how lenders assess income, property types or locations describe general market practice at the date shown. Individual lender policy varies and changes without notice. We check the current position with the specific lender for your specific application.
Using This Site
You may use this site for your own personal, non-commercial purposes. The content, layout and design are ours or used under licence, and you may not reproduce or republish them without our written permission.
We aim to keep the site available and accurate, but we do not warrant that it will be uninterrupted or free of errors. To the extent the law permits, we are not liable for loss arising from your use of this site or reliance on general information published here. Nothing in these terms excludes any right you have under the Australian Consumer Law.
Links
Where we name an external body, whether a government department, a regulator or a scheme administrator, we do so for your reference. We are not responsible for the content of any site we do not operate.
Enquiries and Complaints
If something on this site is wrong, or you are unhappy with how we have dealt with you, call us on (07) 4849 4617 and we will look into it. If we do not resolve it to your satisfaction, you can take it to our external dispute resolution scheme.
Governing Law
These terms are governed by the law of Queensland, Australia.
Changes
We update these terms when our practices change. The version published on this page is the current one.