Loan Market - Loans made simple.

Hello.

Loan Market Pty Ltd | Australian Credit Licence 390222
ABN 89 105 230 019

Loans made
simple.

We get it. When it comes to loans, there is a lot to know.
Our job - to compare loans from over 35 banks and lenders
to find the right loan for you.

Over 35 banks and
lenders in once place.

Correct as of September 2018. Correct as of September 2018

Why use a
bLoroakneMr?arket

In 2017 more than half of all home loans secured
by Australians were assisted by a broker*.

We live for approvals

We search through our panel of banks and 35+ lenders to help
you find the right loan for your situation.

The power to negotiate loans from Australia’s biggest
banks and specialty lenders

We’ve got your back. We can access exclusive loan offers and
help you negotiate a competitive deal.

No cost to speak to a Loan Market broker

You get to save time and money without being out of pocket and
there’s zero obligation to take out a loan.

We come highly recommended

We live for our customers and have worked hard to reach the highest rating of
all financial service companies on productreview.com.au (4.8 out of 5 stars).

Not owned by a bank, family-owned for 23 years
(and counting)

Did you know that many of the big mortgage brokerages in Australia are
owned by banks? Loan Market has over 650 brokers across Australia
and New Zealand and is 100% Australian and family owned.

*Source: MFAA IIS Report 5th edn., produced by CoreLogic

Suzanne Dewhurst Finance Broker

Talking to someone who gets it can
really make a difference.

Our mission

For me, customer service and providing the right outcome for my clients is so important in a changing
lending industry. Everyone I meet is at a different stage of life and lending, therefore everyone has a
different need. I want to be able to help all of my clients find the right solution for them.

Qualifications

• Diploma of Financial Services in Finance/Mortgage Broking Management
• Accredited Member Mortgage and Finance Association of Australia (MFAA)
• Committee Member QLD MFAA Broker Forum
• Moderator Finance & Coffee Broker Industry Group

Suzanne Dewhurst

0406 641 559 | [email protected]
loanmarket.com.au/suzanne.dewhurst

72-74 Griffith Street
Coolangatta QLD 4225
Credit Representative Number 487755

5 steps to a stress free
property purchase.

1 Discuss your goals and how can you reach them
What’s your plan for your home, investments, holidays,
car, and lifestyle?

2 Your game plan
When you’re ready, we create a detailed game plan
for your finance and lodge an application with your
chosen bank or lender.

3 BOOM - that approval feeling
Now you know what you can afford, and have
the thumbs up from your bank or lender for what
you need, when you need it.

4 Get everything you need organised
Make sure you can meet your loan repayments and
protect your loved ones and your lifestyle if something
was to happen to you. Move in and save money.
We help make it happen.

5 Keep you on track and plan for the future
We’ll be in touch every year to check on your game plan
and make sure you’re on track as life changes.

More than loans.

We can help you save money and plan for your future.

BORROW Get the right loan to give
you the money you need.

• Home loans • Personal loans
• Investment loans • Business loans
• Refinance • Equipment loans
• Commercial loans • Construction loans
• Car loans

PROTECT Make sure your loved ones
and lifestyle are protected.

Insurance for your lifestyle: Insurance for your stuff:

• Income protection • Car
• Trauma • Vehicles
• Life • Home and contents
• Total and permanent • Investment property

disability

Save money
on running your home.

CONNECT

Our partners Loan Market Home Now can help you organise:

• Electricity • Broadband (Internet)
• Gas • Pay TV
• Solar • Phone

Plan for the future
you want.

GROW

Our partners Wealth Market can help you:

• Budget and save • Plan for retirement
• Sort your super • Protect your business
• Organise estate planning

Wealth Market Pty Ltd | Australian Financial Services Licence 482898

We’re not a bank,
nor are we owned
by a bank.

Providing you with more choice

Loan Market has one of the largest lending panels
which means you can select from over 35 lenders.
We negotiate with all the lenders on your behalf.
In fact the Mortgage & Finance Association of
Australia (MFAA) reveals that 55.3% of consumers
continue to select brokers as their preferred
channel for a home loan.

We’re in business for you

In 2017, Loan Market helped over 24,000
Aussies and Kiwis secure finance – and they
were happy with the service with a
4.8 out of 5 star rating on productreview.com.au
(and has been for 5 years).

Family take care of family

That’s what Loan Market has been
doing for 23 years – helping
Aussies and Kiwis find the right loan
for their goals and importantly,
each unique situation. We’re a
home-grown Australian company
– still proudly family owned
and operated.

You’re in
good hands.

Our credit guide and privacy statement outlines everything
you need to know about:
• Who we are
• The bank and lenders we work with
• Our obligations to you
• How we get paid
• What we do with the information you give us
• How we keep your information safe
• Who to talk to if you’re unhappy

Credit Guide.

This credit guide provides you with the key information you need to know to
make an informed and confident choice when engaging our services.
We are licensed to arrange loans and leases under the National Consumer Credit
Protection Act 2009 (NCCPAct). The NCCPAct regulates the activity of lending,
leasing and finance broking.

Key Information Loan Market Pty Ltd trading as Loan Market ACN 105 230 019
Level 26, 111 Eagle Street, Brisbane QLD 4000
Our full name 135 626
Address [email protected]
Phone 390222
Email
Australian Credit License Number Complaints Officer
Loan Market
Internal Complaints Officer Contact Details GPO Box 5200, Sydney NSW 2001
Email: [email protected]
External Dispute Resolution Scheme Credit and Investment Ombudsman
Contact Details Phone: 1800 138 422
Website: www.cio.org.au

Services we provide

We will help you choose a loan or lease which is suitable for your purposes.

We will provide you with information on a broad range of financiers and products. Once you have
chosen a loan or lease that is suitable for you, we will help you obtain an approval.

We source finance from a panel of financiers. Our current panel comprises the financiers listed below:

Residential Lending Better Choice Home Loans HomeStart National Australia Bank/
Beyond Bank ING NAB Broker (Homeside Lending)
Adelaide Bank Bluestone Keystart Paramount Mortgage Service
AMP Australia BMM - Better Mortgage La Trobe Financial Pepper Money
ANZ Australia Management Liberty Police & Nurses Bank (WA Only)
AFM - Australian First Mortgage Citibank LoanMarket GO Resimac
Bank First (Formerly VTMB) Commonwealth Bank Macquarie St George Bank
Bank of Melbourne Firstmac ME Bank Suncorp
Bank of Queensland Heritage Bank MKM Capital Westpac
Bank of Sydney Homeloans Limited Mortgage Ezy
Bank SA
BankWest

Personal Lending & Asset Finance Liberty Motor Pepper Money (Personal Loans)
Macquarie Leasing People’s Choice Credit Union
ANZ Asset Finance (Esanda) Mildura Finance (Easy Lodge) Westpac Equipment Finance (Easy Lodge)
ANZ Personal Loan Moula Wisr
Capital Finance Now Finance
CBA Asset Finance Pepper Money (Asset Finance)
Latitude Personal
Latitude Motor

Deposit Bonds Policies
Deposit Bonds Australia

Loan Market Pty Ltd | Australian Credit Licence 390222

Our responsible lending obligations Commissions payable by us

Under the NCCP Act, we are obliged to ensure that any loan or We source referrals from a broad range of sources. For example,
principal increase to a loan we make and any lease we enter we may pay fees to call centre companies, real estate agents,
with you is not unsuitable for you. To decide this, we will need to accountants, or lawyers for referring you to us. These referral
ask you some questions in order to assess whether the loan fees are generally small amounts and accord with usual
or lease is not unsuitable. The law requires us to: business practice. These are not fees payable by you. On
request you can obtain a reasonable estimate of the amount
� Make reasonable inquiries about your requirements and of commission and how it is worked out.
objectives
Our internal dispute resolution scheme
� Make reasonable inquiries about your financial situation
We hope you are delighted with our services, but if you
� Take reasonable steps to verify that financial situation have any complaints you should notify us by contacting our
Complaints Officer by: Complaints Officer, Loan Market, GPO
Credit will be unsuitable if at the time of the assessment, it is Box 5200, Sydney NSW 2001. Email compliance@loanmarket.
likely that at the time the credit is provided: com.au or by speaking to any representative of our business
� You could not pay or only pay with substantial hardship who will refer you to the Complaints Officer.

� The credit will not meet your requirements and objectives You should explain the details of your complaint as clearly
as you can. You may do this verbally or in writing. When we
For example, if you can only repay by selling your principal receive a complaint, we will attempt to resolve it promptly.
place of residence, it is presumed that the loan will cause
substantial hardship unless the contrary is proved. For this Our external dispute resolution scheme
reason we must ask you to provide a significant amount
of information. It is therefore very important that the If we do not reach agreement on your complaint, you may
information your provide us is accurate. refer the complaint to an ASIC Approved External Dispute
Resolution (EDR) Scheme. Our external dispute resolution
We must provide you with a copy of our preliminary credit provider is specified above. External dispute resolution is a
assessment of your application if you ask within 7 years of free service established to provide you with an independent
when we assist you. We are only required to give you a copy mechanism to resolve specific complaints.
of the credit assessment if we give you credit assistance.
You can obtain further details about our dispute resolution
If we arrange a loan for you to purchase or refinance real procedures and obtain details of our privacy policy on request.
estate, remember you must make your own enquiries about
the value of the real estate and its potential for future Things you should know
growth. Although we may obtain a valuation, that is for our
own use and you should not rely on it. We don’t make any promises about the value of any property
you finance with us or its future prospects. You should
Fees payable by you always rely on your own enquiries.

As the licensee we do not charge you for our services as we We don’t provide legal or financial advice. It is important
are paid commission by the financier. However, our credit you understand your legal obligations under the loan,
representative may charge a fee and you may need to pay and the financial consequences. If you have any doubts,
the financier’s application fee, valuation fees, and other fees. you should obtain independent legal advice before you
enter any loan contract.

Commissions received by us

We may receive commissions from the lenders and lessors
who provide finance for our customers. These are not fees
payable by you. You can obtain additional information about
these commissions by asking us.

Questions? If you have any questions about this credit guide or anything else about
our services, just ask at any time. We’re here to help you.

Loan Market Pty Ltd | Australian Credit Licence 390222

Our credit representatives

We have appointed a number of credit representatives to provide services. Details of the credit representative you
are dealing with are set out below.

Credit Representative’s Full Name Suzanne Margaret Dewhurst
Address 72-74 Griffith Street Coolangatta QLD 4225

Phone 0406 641 559
Credit Representative Number 487755

External Dispute Resolution Scheme Contact Details Credit and Investment Ombudsman
Phone: 1800 138 422
Website: www.cio.org.au

The information specified above applies to the credit representative. In particular:

� The credit representative may receive the whole or part of the commissions and fees referred to above directly
or indirectly from the licensee. You can obtain information from the credit representative about a reasonable
estimate of those commissions and how the commission is worked out.

� I may charge a fee for my services. More details about the fees payable by you will be set out in a Quote and
Proposal document which I will give you before a finance application is lodged. You may obtain from me
information about how these fees and charges are worked out and a reasonable estimate of those fees.

Loan Market Pty Ltd | Australian Credit Licence 390222