Use our service for the next purchase, or refinance, of your home or investment property and receive
friendly & professional service, a great loan from your choice of leading lenders plus a mortgage rebate!

Website - Terms & Conditions, Disclaimer & Privacy Policy

Website Disclaimer

Loan Calculator (s)
Every loan calculator on this web site is intended as a guide only and no loan calculator information should be relied upon without first receiving direct confirmation from rebatehomeloans.com.au and/or a financial advisor.

Loan Repayment Calculator. rebatehomeloans.com.au advises that your loan may also incur other fees and charges which have not been factored into this calculator. rebatehomeloans.com.au also advises that the interest rate will presumably vary over the term of your loan which has not been factored into this loan calculator.

Loan Rebate Calculator. This loan rebate calculator will only calculate approximate rebates for most loans. The mortgage broker(s) we refer to clients are prepared to pay 50% of the upfront commission in almost all cases.
NB - Up front commission of at least 0.6% of the loan amount or higher is the case with most lenders, but if otherwise your rebate rate will be negotiated and reassessed.

Borrowing Capacity Loan Calculator. This loan calculator is designed to give an indication (only) of the borrowing capacity you may have with some lenders.    The loan calculator may give higher than actual borrowing capacity amounts for relatively high income earners as in many cases with large loans the lender may require a more significant 'comfort level' for borrowers.

General
We recommend that you discuss any products you may be interested in with rebatehomeloans.com.au before you act on any information contained in this site or any third party site that may be linked.

We recommend that you obtain advice from your financial advisor before acting on any information contained in this site or any third party site that may be linked.

rebatehomeloans.com.au is not responsible for the content of any other site accessed through this web site. Links to other sites are provided for your convenience only and the content of those other sites is the responsibility of the site owners. We do not necessarily endorse the products offered by the owners of any linked sites.

rebatehomeloans.com.au does not guarantee that this web site will be free from viruses, or that access to the site will be uninterrupted.

Subject to any liability implied by law and which cannot be excluded, rebatehomeloans.com.au, or it's owner(s) is/are not liable to you for any losses, damages, liabilities, claims and expenses (including legal expenses on a solicitor and client basis) arising out of or in connection with information on this site, whether in contract, negligence, statute or otherwise.

The information displayed on this web site and all loan calculator results are only intended as a guide to the business operations of rebatehomeloans.com.au and to assist prospective clients with general mortgage information.  No information on this web site should be construed as financial advice, a loan offer, loan approval, repayment or interest rate advice/quote or a definite ‘rebate’ amount offer.  Please call rebatehomeloans.com.au on 1300 558835 to obtain definite figures relating to your specific situation and do not rely on calculator results.

Terms and Conditions for clients.

Rebates
The advertised rebate rates on the rebatehomeloans.com.au website only apply to typical loan scenarios. They are also dependant upon the lender paying 0.6% minimum 'up front' commission and 0.2% minimum 'trailing' commission to the mortgage broker we refer to clients (please see the 'mortgage commissions' page for more information on commissions). Rebate amounts for Line of Credit facilities will be based on the 'drawn down' amount of the facility rather than the limit of the facility as most lenders calculate the commission amounts paid to mortgage brokers on the 'drawn down' amount. rebatehomeloans.com.au reserves the right to negotiate the rebate amount with clients for loans that are not typical, ie; difficult, labour intensive loans involving multiple entities, commercially secured loans.

Reasonable Profit
As clients are paid substantial rebate amounts the facilitating mortgage broker is financially dependant on loans continuing for a minimum 1 to 2 yr period in order to make a 'reasonable profit' as they receive 'trail' commission from the lender for most loans during that time. Subsequently, all rebates paid to client(s) by the mortgage broker are subject to claw back meaning that if the client refinances to another institution or repays/discharges the mortgage within an 18 month period from settlement then the client(s) must repay the full rebate amount back to the mortgage broker.

All rebates paid are subject to a signed agreement between the relevant mortgage broker and you.
To view this agreement please click on this link ®

Referral Fee
We may refer clients to an 'independant' mortgage broker. rebatehomeloans.com.au will take great care to use accredited, insured, experienced and knowledgable mortgage brokers in such cases and we acknowledge that we may receive either a referral fee from the broker, and/or commission from the lender or an aggregator, for such loans.

We do, however, deny any liability arising as a result of these independant mortgage broker's activities whilst dealing with the client, eg;
(1) The giving of misleading information
(2) Conducting in fraudulent activity
(3) Non disclosure of commissions
(4) Any other breach of the Uniform Consumer Credit Code or the Mortgage Industry Association of Australia's Code of Conduct or any other relevant Government Authority Regulation.

If, in the unfortunate situation, that any such claims by a client do arise then they must be made against the individual broker, or broking company, that is responsible for the mistake. Not against rebatehomeloans.com.au.

Privacy Policy

We know how important it is to protect your personal information. rebatehomeloans.com.au pledges to comply with all requirements of the Privacy Act.

What is "personal information"?  "Personal information" is information from which your identity is apparent.

How is your personal information collected?   We will collect your personal information only directly from you unless you give us permission to seek relevant information from another source, such as your solicitor or accountant.

For what purposes will your personal information be used?  To whom may it be disclosed? Your personal information will be collected in order to conduct our business, it will only be forwarded to other parties to enable the assessing of, and obtaining approval for, loans. It will not be used for any other purpose.
rebatehomeloans.com.au will assume that any party that you authorise us to deal with, such as your Solicitor, Accountant or Real Estate Agent will abide by the Privacy Act regulations also.
On occasion however, we may be required by law to disclose your personal information. This may be upon order from a Court or Tribunal or by the Australian Tax Office.

Can you access your personal information?  Yes, at any time that you request.

Security of your information    We will protect your personal information by storing it in a secure environment. When the information is no longer needed, it will be destroyed or all identifying parts erased.

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Call Rebate now on 1300 558 835
or click here for email details.
Mortgage Rebates orHome Loan Refunds mentioned or
advertised on  www.rebatehomeloans.com.au are not endorsed by lenders.
Creative Administration services (BN: NSW V5440737). © 2005 All rghts reserved.