We are a professional credit assistance provider operating under the National Consumer Credit Protection Act 2009 (NCCP Act). We are not a bank, credit provider, or lender. Instead, we act as an intermediary, working on your behalf to source suitable credit products from our panel of lenders, including major banks, non-bank lenders, and private funding sources. We hold an Australian Credit Licence (ACL) or are an authorised credit representative of an ACL holder.

We are primarily compensated by commission from lenders if you settle a loan through us. However, depending on the complexity of your enquiry (e.g., complex Private Funding or Low Doc scenarios), we may charge a professional "Fee for Service". If this applies, we will provide you with a Credit Quote Disclosure document upfront for your signature before any work commences, as required under the NCCP Act.

Credit Guide is a legal disclosure document we must provide to you before we can assist you. It explains who we are, how we are paid, how we handle complaints, and importantly, confirms our membership with the Australian Financial Complaints Authority (AFCA) and our Privacy Policy. You will always receive this document at the start of our engagement.