To be listed
Every lender on the panel, including profiles we build from public material, has to meet all of these:
- A real lender. An Australian entity with an ABN or ACN that funds loans itself or through a
fund it manages. Brokers, aggregators and introducers are not listed as lenders.
- Business-purpose credit secured by Australian property. The panel exists for loans to companies
and corporate trustees for genuine business or commercial purposes.
- Traceable figures. Every rate, fee, LVR and loan limit links to the lender's own published
material or to data the lender supplied, with the date we last checked it. Where a lender does not
publish a number, we show "on application" rather than estimate one.
What verified lenders commit to
A lender that claims its profile is marked verified and receives scenarios directly. In return it agrees to:
- Keep the profile current. Review rates, fees, LVRs and limits at least every 90 days, and
straight away when pricing changes.
- Disclose the full cost up front. Indicative terms state the establishment fee, any line,
exit or early repayment fees, and the lender's legal and valuation costs, so the all-in rate the broker
sees is the one the client pays.
- Quote what it expects to approve. Indicative terms reflect the lender's real appetite for the
scenario, subject only to valuation and credit. No headline rates the lender does not intend to write.
- Answer every request. Respond to a term request within two business days, including a short
reason when declining.
- Deal through the broker. The client relationship belongs to the broker. Scenario details are
used only to assess that deal and are not used to approach the borrower directly.
What does not change the ranking
Results are ranked on the all-in rate and nothing else. Verification, fees a
lender pays us, or how quickly it responds do not move a lender up or down the list. There is no paid
placement.
Corrections and removal
If a figure on a profile is wrong or out of date, or a lender would rather not be listed, email
[email protected]. We correct or remove
a profile within two business days. A verified lender that repeatedly breaks the commitments above loses
its verified status, and one that misleads brokers is removed from the panel.