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

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Together We’ll Find Your Dream Home

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

Credit Guide

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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.

Broker/Our/Us

Fees, Charges, Commission and Disclosures

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Complaints

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.

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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

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.

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.

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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.

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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).

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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

[email protected] . 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 https://oxcel.com.au/legal 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;

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• 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.