Terms of Service

Last updated: January 2026

Welcome to Canberra Home Loan Broker. By accessing or using our website and services, you agree to be bound by these Terms of Service. Please read them carefully.

1. About Our Services

Canberra Home Loan Broker operates as a lead generation and referral service. We connect consumers seeking home loan assistance with qualified mortgage brokers in our network. We do not provide financial advice or credit assistance directly.

Important: We are not a mortgage broker, lender, or credit provider. The mortgage brokers in our network operate independently under their own Australian Credit Licences (ACL) and are responsible for their own compliance with applicable laws and regulations.

2. Acceptance of Terms

By using our website or submitting an enquiry, you agree to:

• These Terms of Service
• Our Privacy Policy
• Our Disclaimer

If you do not agree with any part of these terms, please do not use our services.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be an Australian resident or have a valid Australian visa
• Provide accurate and complete information in your enquiry

4. How Our Service Works

1. You submit an enquiry through our website or by phone
2. We review your enquiry and match you with a suitable broker from our network
3. The matched broker contacts you directly to discuss your needs
4. Any financial services or credit assistance is provided by the broker, not us

We do not guarantee that you will be approved for a loan or that any particular outcome will be achieved.

5. No Financial Advice

The information provided on our website is general in nature and does not constitute financial advice. It does not take into account your personal objectives, financial situation, or needs.

Before making any financial decisions, you should:

• Consider whether the information is appropriate for your circumstances
• Read the relevant Product Disclosure Statement (PDS) and Credit Guide
• Seek independent professional advice if necessary

6. Your Obligations

When using our services, you agree to:

• Provide accurate, current, and complete information
• Not misrepresent your identity or circumstances
• Use our services only for lawful purposes
• Not interfere with the proper functioning of our website
• Not attempt to gain unauthorised access to our systems

7. Intellectual Property

All content on our website, including text, graphics, logos, and images, is owned by or licensed to Canberra Home Loan Broker and is protected by Australian and international copyright laws. You may not reproduce, distribute, or create derivative works without our written permission.

8. Third-Party Services

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of these external sites. Your use of third-party services is at your own risk.

9. Limitation of Liability

To the maximum extent permitted by law:

• We provide our services "as is" without warranties of any kind
• We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of our services
• We are not responsible for the actions, advice, or services provided by brokers in our network
• Our total liability shall not exceed the amount you paid us for our services (if any)

Nothing in these terms limits or excludes any liability that cannot be limited or excluded under Australian Consumer Law.

10. Indemnification

You agree to indemnify and hold harmless Canberra Home Loan Broker, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your breach of these terms or misuse of our services.

11. Termination

We reserve the right to suspend or terminate your access to our services at any time, without notice, for any reason, including breach of these terms.

12. Changes to Terms

We may modify these Terms of Service at any time. Changes will be effective when posted on this page. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

13. Governing Law

These Terms of Service are governed by the laws of the Australian Capital Territory. Any disputes shall be resolved in the courts of the Australian Capital Territory.

14. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Contact Us

If you have questions about these Terms of Service, please contact us:

• Email: loans@canberrahomeloanbroker.com.au
• Phone: 02 6422 6227

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