Please fill all the required fields

Hi there, how much you’re looking to borrow?


And the type of home loan you're looking for ...

What is your citizenship status in Australia?

Who is applying for this home loan?

What's your name? Your information is protected and we will never sell to any marketing companies.

What is your date of birth ?

What is your current address?

And the status of current address

When did you start living in this address ?

Little more, need to know your previous address too

And the status of previous address

When did you start living in this address ?

Your marital status …

And how many dependents do you have?

Your partner's full name

And his/her yearly income


Please provide your accountant details (We may not use it)

Full name of your accountant

Contact number

Email address

Let's get to know your current employment status

What is your income after tax per week?


Do you have any additional income?

Income source

Your income from this after tax per week


We need your approximate assets values

Real Estate Properties like land, house, etc




Estimated value of any existing vehicle


Home Contents like furniture + appliances + others


Let's get some idea of your expenses

How much is your monthly share of rent (Put 0 if you pay mortgage) at current address?


Your monthly spending on food, entertainment, clothing


And monthly spending on utilities like insurance, mobile, power etc


Do you have a credit card?

Income source Select multiple if you got more than one

Combined Credit Limit


Combined Amount Owing


Almost there, do you have any other loan? e.g. Mortgage, Personal loan, Tax Debt

Type of loan


Amount owing


Monthly repayment


Amount owing


Monthly Repayment


Amount owing


Monthly Repayment


What kind of loan?

Amount owing


Monthly Repayment


We need to ask some compliance questions

Do you anticipate any changes that could ADVERSELY impact your ability to repay this loan?

What is your level of financial experience?

Do you have an emergency fund, liquid asset or insurance to assist with repayment of debt in the event of a loss of income?

Have you ever had any problems meeting your financial commitments including mobile phone payments?

Do you have unsatisfied judgment (s) in any court against you or any company of which you are/were a Shareholder/Officer?

Required Docs

  • Driver License (Front)*
  • Driver License (Rear)*
  • Medicare/Passport*
  • Last Payslip*
  • Second Last Payslip*


Australian Credit Licence #547719

ABN: 58 622 168 316

ACN: 622 168 316

Level 13, Suite 1328 401 Docklands Drive, Docklands, Melbourne,

VIC 3008, Australia

Phone: 1800 010 001


We’re here to assist


We, as mortgage brokers, are obligated to act in your best interest when extending credit assistance and provide you with options and expertise. We prioritise comprehending your objectives and situation in order to identify the most suitable loan option for you.


With an understanding of your priorities and desires, we can save you time and effort by researching home loan options, thereby helping you in preparing your loan application, and negotiating the best deal from our network of 60+ lenders to help secure your loan.

Please note Oxcel Pty Ltd and your mortgage broker does not provide tax, legal or accounting advice. Any information contained in this document is of a general nature only and does not take into account the objectives, financial situation or need of any particular person and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. Therefore, before making any decision, you should consider the appropriateness of the information with regard to those matters and consult your own tax, legal and accounting advisors before engaging in or considering the appropriateness of any transaction


Together We’ll Find Your Dream Home

1. Understanding you better

You'll need to tell us about your aims and circumstances so that we can understand what matters to you and what you are looking for in a loan.


2. Presenting your loan options

We’ll present you with a credit proposal with tailored loan solutions and recommendations with your goals and circumstances in mind.

3. Managing your application

Once you have decided to proceed with an application for a loan, you can leave it to us to lodge and manage your application.


4. Loan approval

We will monitor your application and let you know if your loan is approved. With an understanding of your requirements and objectives, we will review suitable options to find the right loan for you.

5. Settlement day

Congratulations! Settlement comes to the conclusion your loan application


6. Here to help

If your circumstances and goals happen to change, we are here to help with your future loan needs

Credit Guide


This Credit Guide provides you with the key information that you need to know about our finance broking services offered to you.

This Credit Guide summarises our offerings, fees and commissions we may receive, and the process to follow if you have a complaint. Please don’t hesitate to ask if you need more information or clarification.


Organisation/Trading Name

Oxcel Pty Ltd


Level 13, Suite 1328 401 Docklands Drive,

Docklands, Melbourne, VIC 3008, Australia


1800 010 001

Australian Credit Licence


Fees, Charges, Commission and Disclosures


Fees payable
by you to third parties

When the loan application is submitted, you may need to pay the lender's application fee, valuation fees, or other fees that are associated with the loan application process, even if the application for the loan is ultimately unsuccessful.

Fees payable by you to us

If a fee is payable by you, this will be disclosed in a Credit Quote that will be provided to you. If a Credit Quote is not supplied, this will indicate that we do not charge consumers any fees

Payments received by us

We, and our Licensee Oxcel Finance, may receive fees, commissions, or financial rewards from lenders or lessors in connection with any finance we arrange for you. These fees are not payable by you.

The commission/brokerage amount depends on the amount of the finance and may vary from product to product. We can provide you with information about a reasonable estimate of those commissions and how the commission is worked out if you require it.

Commissions are paid based on a percentage of the loan balance

that is drawn down which in most cases will be net of any amounts you hold in an offset account. The way commissions are calculated and paid to us by lenders may vary.

By following the responsible lending requirements, we will ensure the loan recommended to you is not unsuitable for your situation and objectives.

Fees payable by us to third parties

We may pay fees to call centre companies, real estate agents, accountants, or lawyers and others for referring you to us. These referral fees are generally small amounts in accordance with usual business practice.

These are not fees payable by you. On request you can obtain a reasonable estimate of the amount of the fee and how it is worked out.

From time to time, we may also remunerate other parties through payments, rewards or benefits.


Tiered Servicing Arrangements

Through our relationships with lenders, we may have access to tiered servicing arrangements. The benefits of this access to these arrangements can include faster processing, better information or greater levels of assistance provided for obtaining loan approval. We will advise you of any tiered service arrangements that are in place with a particular lender that we have proposed at the time recommendations are made.

Access to this program is not based solely on the volume of new or existing lending our clients have with each respective lender and does not entitle us to any additional commissions or payments outside of what we have disclosed to you, or any preferential client discounts.

Other disclosures, benefits or interests we or others may receive

We are prohibited from accepting gifts or inducements over $300. Any benefit given to your broker greater than $100 and less than $350 will be recorded in a Gifts Register. A copy of our register is available to inspect on request. If you wish to inspect the register, please contact us


We may receive referrals from a range of sources, including accountants, financial planners, real estate agents and others. If you were introduced or referred to us, we may pay the referrer a commission, fee or remunerate them in other ways. Details of any commission or fees being paid to the referrer will be included in the Credit Proposal Disclosure document provided to you.

Credit & Valuation Reports

We may be provided access to free services such as credit report and valuations from our lenders. Details of any relevant services we may receive because of a recommendation we make to you, will be included in the Credit Proposal Disclosure document we provide to you.

Multiple Roles

We may act in other roles or capacities related to the credit assistance provided to you. Each business activity is separate however we may be paid remuneration in our other business activities as a result of the credit assistance provided to you. Further details of any relevant remuneration we may receive


because of a recommendation we make to you, will be included in the Credit Proposal Disclosure document we provide to you.

Where we are unable to act due to a conflict of interest that cannot be managed appropriately, I will refer you to another party who will provide you services.

Related Parties

We have relationships with a number of related parties and associates. Details of any remuneration or possible conflicts will be included in the Credit Proposal Disclosure document provided to you. Shareholding We may directly or indirectly hold shares or other securities in Oxcel Finance or the lenders we recommend. Details of any material holdings will be included in the Credit Proposal Disclosure document provided to you. If the material holding does not enable us to act due to a conflict of interest that cannot be managed appropriately, we will refer you to another party who will provide you services.

Ownership Structures

I may act in other roles or capacities related to the credit assistance I provide to you. Each business activity is separate however I may be paid remuneration in my other business activities as a result of the credit assistance we provide to you.

Further details any will be included in the Credit Proposal Disclosure document I provide to you. Where I am unable to act in more than one capacity, I will refer you to another party who will provide you services that I am unable to due to a conflict of interest that cannot be managed appropriately by me.


If you have a complaint about the service that we provide, the following steps or avenues for resolution are available to you.

Step 1

Most complaints arise from miscommunication and can usually be fixed quickly. So, please contact Ratib Zaman and express your concerns. You can request a written response at this time, even if the complaint is resolved in the first 5 working days.


Step 2

If the issue is not satisfactorily resolved within 5 working days by talking with Ratib Zaman, we will apply our internal complaints process to manage your complaint appropriately. In this instance, the complaint will be internally escalated to our Complaints Officer. You may also contact the Complaints Officer directly.

Complaints Officer


Sadia Mortuza





1304/401 Docklands Dr, Docklands, VIC 3008

Note: In some instances we may also be fulfilling the role of the Complaints Officer. This will not affect the capacity to have your complaint dealt with appropriately.

By using our internal complaints process we hope to assist you to resolve your complaint quickly and fairly. The maximum timeframe in which to provide a written response to you is 30 days, although in pursuit of best practice and the reputation of our organisation, we aim to resolve these issues in a much shorter time frame.

Step 3

Although we try hard to resolve a client’s concern in the most considerate and direct manner, if you are not completely satisfied after the above steps have been attempted, you still have other avenues available to resolve the dispute. This is then managed externally and independently.

The Australian Securities and Investments Commission external dispute resolution (EDR) process is available to you, at no cost at the contact details below.

EDR (Licensee)



Phone 1800 931 678
Address Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001

Things you should know

We don’t make any promises about the value of any property you finance with us or its future prospects. You should always rely on your own enquiries.


Privacy Disclosure Statement and Consent

Oxcel Pty Ltd, ACN 622 168 316, (‘we’, ‘us’, ‘our’) collects information about you for the purpose you agree to in this Privacy Disclosure Statement and Consent. When you sign below, you agree we can, consistently with Australia’s privacy and credit reporting laws, collect, use and exchange credit and personal information about you for those purposes.

We are collecting credit and personal information (information) about you, as applicable:

To source for you, or a company of which you are a director:

  • Consumer credit for personal, household, domestic, or residential investment purposes;
  • Commercial credit for business purposes; or
  • Other services stated in this Privacy Disclosure Statement and Consent; or
  • To support a guarantor application, you will provide.

As your broker, we require the information we collect from you to assess your credit, guarantor, application, or the credit application of a company of which you are a director, source a suitable credit provider and any required insurance, and manage the application process, where required. If you do not provide the information sought, we may be unable to process your application or the company’s application, or we may be limited in the other services we can offer you or the company.

Your information – Collection and Credit Reporting Body (‘CRB’) Disclosures

When we collect information from you in the credit application process, we use that information in a number of ways to assess your credit application and to source a suitable credit provider or lessor/or insurance provider.

  • We may: Disclose your identification information to a CRB if you wish us to obtain a report on your behalf.
  • Use any information the CRB provides in that report to assist us in preliminary assessing your consumer credit or guarantor application.
  • Disclose your personal information to an insurer or insurers to source any insurance you wish to obtain.
  • Disclose your credit information to a credit provider or credit providers to apply for finance on your behalf.

The information we obtain from you is used, subject to compliance with Australia’s privacy and credit reporting laws, only for the purposes listed in this Consent and is not disclosed to any other person except with your permission or as permitted, or required, by law.


Credit Providers

As part of providing our services to you, we may undertake tasks for a credit provider which is reasonably necessary to manage the application process. When doing so, we are acting as agents for the credit provider, with the same privacy law requirements applying to both of us.

We may submit your application to one or more credit providers. Those credit providers and their website addresses are set out in the Schedule at the end of this document.

A credit provider, to whom we submit an application, may disclose information about you, and collect information about you from one or more CRBs.

The website of each credit provider contains details of each CRB with which it deals and other details about information held about you and describes your key rights. This detail may be described on the credit providers’ websites as ‘notifiable matters’, ‘privacy policy’, ‘credit reporting policy’, or privacy disclosure statement and consent’, and includes –

  • That the CRB may include information the credit provider discloses about you to other credit providers to assess your creditworthiness.
  • That, if you become overdue in making consumer credit payments you commit a serious credit infringement, the credit provider may disclose that information to a CRB.
  • How you can obtain the credit providers and/or CRB’s policies about managing your credit information.
  • Your right to access and/or correct information held about you and to complain about conduct that may breach the privacy and credit reporting laws.
  • Your right to request a CRB not to undertake pre-screening for purposes of direct marketing by a credit provider.
  • Your right to request a CRB not to release information about you if you believe you are a victim of fraud.

This detail will also be included by the credit provider who approves your application in the privacy disclosure statement and consent document it will provide to you.

Each credit provider website includes information on how to contact the credit provider and how to obtain a copy of its privacy documents in a form that suits you (e.g. hardcopy or email).


Your Rights

You have the right to ask:

  • Us to provide you with all the information we hold about you.
  • Us to correct the information we hold if it is incorrect.
  • Us for copies of our privacy policy and this document, in a form that suits you (e.g. hardcopy or email).
  • The CRB, not to use your information for direct marketing assessment purposes, including pre-screening
  • The CRB, to provide you with a copy of the information it holds about you.

You can gain access to the information we hold about you by contacting our

Compliance Officer by telephone at 1800 010 001 or email at . In some cases, an administration fee may be charged to cover the cost of providing the information.

Our privacy policy is available on our website at or we will provide you with a copy if you ask us.

Disclosure and Consent

By Signing below, you agree we may:

Use your personal and credit information:

  • To assess your consumer or commercial credit and/or guarantee application and/or to assess a credit application by a company of which you are a director.
  • To source any finance you require.
  • To source any insurance you require

As the law authorises or requires:

  • Disclose to, and obtain from, any prospective credit provider or insurer, information about you that is reasonably necessary to obtain the finance and insurance required;
  • Obtain from, and disclose to, any third-party information about you, the applicant(s) or guarantors(s) that is reasonably necessary to assist you in obtaining the finance and insurance required;
  • Provide your information, including your credit report(s), to one or more of the credit providers specified in the Schedule of Credit Providers below so they can assess your application or the application of a company of which you are a director, or your suitability as a guarantor;
  • 10

  • Provide credit information about you to a guarantor, or prospective guarantor;
  • Provide you, or the company of which you are a director with offers or information of other goods or services we, or any of our associated entities, may be able to provide to you or the company unless you tell us not to;
  • Disclose your personal and credit information to the extent permitted by law to other organisations that provide us with services, such as contractors, agents, printers, mail houses, lawyers, document custodians, securities and computer systems consultants or providers, so they can perform those services for us; and
  • Disclose your personal information to any other organisation that may wish to acquire, or has acquired, an interest in our business or any rights under your contract with us or the contract with us of a company of which you are a director.

You also agree and consent to, as appropriate:

  • A CRB disclosing consumer credit information to one or more Credit Providers below for the purpose of assessing your application for consumer or commercial credit or your guarantor application, and/or assessing a credit application by a company of which you are a director.
  • When you are a prospective guarantor, a credit provider uses that information to assess your suitability as a guarantor.
  • A credit provider disclosing your credit information (including information obtained by it from a CRB) to a guarantor, or a prospective guarantor.
  • A credit provider disclosing to another credit provider, for a particular purpose, information it holds about you.

Where the applicant, or guarantor, is a company of which you are a director, you consent to the use of your information, in addition to the company’s information, in each of the ways listed above.


By signing below, you also authorise us to make a request on your behalf to obtain credit reporting information about your consumer and commercial creditworthiness from a CRB. That information will assist us in providing our services to you. This authorisation ceases when we undertake a task on behalf of a credit provider.


Please Sign here to Accept Privacy Agreement

Signature of Client 1

Full Name of Client 1


Date of Signature


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How did you find us?

Name of the Agency