This Credit Guide is required under the National Consumer Credit Protection Act 2009 (Cth) (“NCCP Act”). It provides information about our credit services and obligations to you.
Paul Davey
Trading as: Kiwi Home Buyers Australia
Location: Coolum Beach QLD 4573
Phone: 0423 688 811
Email: paul.davey@uno.com.au
ABN: 16 664 916 358
Credit Representative Number: 541501
Authorised under Australian Credit Licence held by our aggregator:
Aggregator: uno Home Loans
Australian Credit Licence Number: 483595
We provide credit assistance in relation to:
We act as a mortgage broker, not a lender. We do not provide credit advice in respect of credit products issued by a credit provider unless we hold an appropriate authorisation or are exempt from doing so.
We compare products from a panel of lenders. The following are among the lenders we access most frequently by volume (subject to change):
We compare over 30 lenders in total. A complete list of lenders on our panel is available on request.
We are paid by lenders, not by you. For standard residential lending, there is generally no fee charged to you directly. Our remuneration from lenders typically comprises:
Exact commission rates vary between lenders and loan products. We will provide you with a Credit Proposal Disclosure document at the time of making a specific product recommendation, which will include the specific commission payable for that product.
We are required by law to act in your best interests. Commission received from a lender does not change our obligation to recommend a loan that is not unsuitable for you and is in your best interests.
For standard residential home lending, we do not charge you a broker fee. If a fee is applicable for any service (e.g. complex commercial applications), we will disclose this to you clearly and obtain your agreement before proceeding.
Lenders may charge their own fees (e.g. application fees, valuation fees, settlement fees). These will be disclosed in the loan documentation provided by the lender.
When you engage us for credit assistance, we will:
If you have a complaint about our credit services, please contact us first:
We will acknowledge your complaint within 5 business days and aim to resolve it within 30 calendar days.
If you are not satisfied with our response, you may escalate your complaint to the Australian Financial Complaints Authority (AFCA), our external dispute resolution scheme:
AFCA is a free and independent service. Time limits may apply to making a complaint to AFCA.
Your personal information is handled in accordance with our Privacy Policy and the Privacy Act 1988 (Cth).