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Credit Guide

Credit Licensee Details:

Talk To A Broker Holdings Pty Ltd, “we / us”
ACN 623 909 339 | Australian Credit Licence # 522933
A: Level 20, 233 Castlereagh Street, Sydney, NSW, 2000
T: 1300 123 125
E: admin@talktoabroker.com.au

About this Credit Guide:

This Credit Guide sets out important information to help
you decide whether to accept our assistance in obtaining a
credit contract or consumer lease.

This Credit Guide will tell you:

  • Who we are & how to contact us;
  • Engagement Conditions;
  • Fees & Commissions;
  • Referrers & Referral Fees;
  • Our Responsible Lending obligations;
  • Credit Providers we conduct consumer credit
    business with; and
  • What to do if you have a complaint.

We provide “Credit Assistance” when we:

  • Suggest or assist you to apply for a particular credit
    contract with a particular credit provider; or
  • Suggest or assist you to apply for an increase to the
    credit limit of a particular credit contract with a
    particular credit provider; or
  • Suggest you remain in a particular credit contract
    with a particular credit provider.

Engagement Conditions:

You engage us or our representative to arrange a loan on
your behalf. You acknowledge that we act as an
independent contractor to assist you to obtain and
negotiate a loan.

Fees Payable by You:

We sometimes charge a fee for our services. More details
about any fees payable will be detailed in a “Quote” we
will give you before a finance application is lodged. No
commission is payable by you to us, this is paid by the
credit provider.

Preliminary Assessment:

What we will need from you:
When we provide you with credit assistance, we must
only recommend credit products that are not unsuitable
for you. To be able to determine which loan products
are not unsuitable, we are required to complete a
Preliminary Assessment. When we make this
preliminary assessment, we determine the following
information:

  • Your requirements and objectives – that is, what
    kind of loan do you want, and for what purpose;
  • Your financial and relevant personal situation; and
  • Your ability to repay the loan

Referrers and Referral fees:

In some cases, your business may have been referred
to us by non- regulated third parties such as
accountants, financial planners, motor resellers etc.
Where this is the case, we may pay a referral fee to
these parties. If we do pay a fee to these parties:
• then they should already have told you about this;
and
• We will either disclose the fee or a reasonable
estimate in our Proposal Disclosure Document.
Alternatively, if you want to know, you can ask about
the fees, and we will tell you how much was paid and
how it was worked out.

Our Credit Providers include:

We source credit products from a range of banks, lenders
and other credit providers. However, at present, we write a
greater percentage of loans with the following credit
providers and lessors.
• Macquarie Leasing Pty Ltd
• Pepper Asset Finance Pty Ltd
• ANZ Bank
• Liberty Financial Pty Ltd
• Capital Finance/Westpac Bank
• Firstmac Asset Funding Pty Ltd
Our Credit Representatives 6 most commonly used lenders
are:
• Macquarie Leasing Pty Ltd
• Pepper Asset Finance Pty Ltd
• ANZ Bank
• Liberty Financial Pty Ltd
• Capital Finance/Westpac Bank
• Firstmac Asset Funding Pty Ltd
These Lenders do not necessarily represent all the lenders
who offer credit of the nature you seek.

Credit Representatives Details:

Name: Nick Markovski
Credit Representative #:510935
A: Level 20, 233 Castlereagh Street, Sydney NSW 2000
T: 0466 355 253
E: nick@nmfinancial.com.au


In assessing these factors, we are also required to take
reasonable steps to verify some of the information you
provide us with.

This verification may include:

  • Asking you for copies of documents that demonstrate
    your financial situation – in some cases we may also
    need to sight original documents;
  • Contacting third parties to assist in verifying the
    information that you provide

Obtaining a copy of your Preliminary Assessment:

If we haven’t already provided it to you, you may request a
copy of our Preliminary Assessment, and we must give you a
copy of it:

  • At any time during the first 2 of years of the
    assessment, within 7 business days; or
  • Between 2 years and 7 years after it was conducted,
    we must provide it within 21 business days.


There is no charge for requesting or receiving a copy of the
Preliminary Assessment.

How we and Credit Representative are paid:

We are paid commissions by Credit Providers for
introducing customers. The Credit Providers we deal with
will usually pay a commission based on:
• the size of the loan; and
• the particular loan product you have selected.
We only receive a commission if your loan is settled and is paid
to us either directly by the lender or paid to us by our
aggregator. We may receive the following commissions after we
provide credit assistance, and your loan has been settled.

Type of Commission:
Commission / Brokerage.
Paid shortly after settlement.

Range from 0% to 4 %
depending on type of finance
sought.

Volume Bonus
We have a volume bonus
arrangement in place with the
majority of our credit
providers and lessors.

We may receive additional
indirect remuneration from
the Credit Provider or Lessor
depending on the total
volume of business that we
arrange with them.

Method of Calculation:

Based on Net amount
financed

If you would like a detailed estimate of the commission we
would be paid by a particular credit provider, we will
provide this to you upon request.

Dispute Resolution and Complaints:

Within our business we follow specific procedures to try to
resolve any complaints that you may have.

Internal Dispute Resolution:

If you have a complaint, please contact the disputes officer
below. They will try to resolve all concerns quickly & fairly:

William Hong | Director
Talk To A Broker Holdings Pty Ltd
Level 20, 233 Castlereagh Street, Sydney, NSW, 2000
1300 123 125 or email William@talktoabroker.com.au

External Dispute Resolution:

In the unlikely event we cannot resolve your complaint in a
satisfactory manner, or you have not received a response
from us after 30 days, you can escalate your complaint to the
below Ombudsman, a free and independent dispute
resolution service provider.

AFCA Tel: 1300 931 678 or info@afca.org.au

Details of how to make a complaint and the process AFCA
follow is available at afca.org.au.

The Credit Representatives Membership Number is: <INSERT>
The Credit Licensees Membership number with AFCA is:
80184

For more information regarding anything referred to in the
Credit Guide or anything else about our services, just ask at
any time. We’re here to help you.