We can provide you with information on a broad range of Lender/Financiers and products. Once you have chosen a personal loan or lease that is suitable for you, we will help you to obtain approval.
We source finance from a panel of Lenders/Financiers. The Lenders/Financiers named below are the six Lenders/Financiers with whom we conduct the most business:
- Australia and New Zealand Banking Group
- Commonwealth Bank of Australia
- Plan Lending
- St George Bank
Collection of Personal Information:
Under the NCCP Act, we are obliged to ensure that any loan or principal increase to a loan we help you to obtain or any consumer lease we help you to enter is not unsuitable for you. To decide this, we may need to ask you some questions in order to assess whether the loan or Consumer lease is not unsuitable. The law requires us to:
- Make reasonable inquiries about your requirements and objectives;
- Make reasonable inquiries about your financial situation;
- Take reasonable steps to verify that financial situation.
Credit will be unsuitable if at the time of the assessment, it is likely that at the time the credit is provided:
- You could not pay or could only pay with substantial hardship;
- The credit will not meet your requirements and objectives.
For example, if you can only repay by selling your principal place of residence, it is presumed that the loan will cause substantial hardship unless the contrary is proved. For this reason we must ask you to provide a significant amount of information. It is therefore very important that the information you provide us is accurate.
We must provide you with a copy of our preliminary credit assessment of your application if you ask within 7 years of when we assist you. We are only required to give you a copy of the credit assessment if we give you credit assistance.
If we arrange a loan for you to purchase or refinance real estate, remember you must make your own enquiries about the value of the real estate and its potential for future growth. Although we may obtain a valuation, that is for our own use and you should not rely on it.
For more information, visit: http://accessfinanceandcapital.com/personal