Terms & Conditions of Service

1. Acceptance of Terms

By accessing, browsing, or using this website (prospectloans.com.au), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree, please refrain from using this website or engaging our services.

2. Credit Assistance & Best Interests Duty

Prospectloans Pty Ltd provides credit assistance under Authorised Credit Representative (ACR) No. 580381. Under the National Consumer Credit Protection Act 2009 (Cth), our mortgage brokers are legally bound by the Best Interests Duty (BID) to prioritize your borrowing interests ahead of lenders and any aggregator.

Before recommending or submitting any loan facility, we conduct a reasonable inquiry into your financial objectives, verify documentation, and provide a tailored Credit Proposal disclosure detailing all fees, charges, and lender commissions.

3. Calculators & Online Estimations

Our repayment estimators and loan comparison tools provide mathematical illustrations based on the variables you input (such as interest rates, loan terms, and repayment frequencies). They do not constitute an offer of credit, a pre-approval, or a loan quote. Actual repayments may vary based on lender fees, stamp duties, LVR tiers, and official cash rate movements.

4. Intellectual Property & Permitted Use

All logos, trademarks, text, graphics, debt architecture calculators, and UI assets are the property of Prospectloans Pty Ltd or licensed from third parties. You may view and print content solely for your personal, non-commercial mortgage research. Republication or reproduction without prior written consent is strictly prohibited.