Credit Guide and Privacy Act

Issued: 6 August 2025

Index

About Us
Our Commitment to Service
Our Responsible Lending Obligations
Acting in Your Best Interests
Fees and Commissions
Our Lender Panel
Referrers, Benefits and Related Parties
Complaints and Dispute Resolution
Repayment Difficulties
Important Information
Privacy Consent and Disclosure

About Us

This Credit Guide provides important information about us, the services we provide, and the activities of the Credit Representative operating under our licence.

It outlines:

fees and charges that may be payable by you to us,
commissions we may receive,
commissions we may pay to third parties for introductions, and
information about how to make a complaint.

We provide credit assistance when we:

suggest or assist you in applying for a particular loan,
suggest or assist you in increasing an existing loan, or
suggest that you remain in an existing credit contract.

We are committed to assisting you to find the right finance option based on your needs and objectives.

Our Commitment to Service

Under the National Consumer Credit Protection Act 2009 (National Credit Act), we must ensure that any loan or loan increase we arrange is suitable to your needs and objectives.
We will therefore:

make reasonable inquiries about your requirements and financial situation, and
take reasonable steps to verify your financial situation.

If insufficient or incorrect information is provided, we may be unable to make an appropriate recommendation.

You may request a copy of our Preliminary Credit Assessment within seven years of the Credit Assistance Quote Date.

Our Responsible Lending Obligations

We are required to act in your best interests.
This means that any loan products or credit assistance we recommend must be in your best interests, and we will document and explain our reasons for each recommendation.

If a conflict of interest exists or is perceived, we will disclose it to you and always prioritise your interests.

Fees and Commissions

Fees Payable by You to Us

If applicable, these will be disclosed in a Credit Quote, outlining any payable fees and when they are due.

Fees Payable by You to Third Parties

Lenders may charge application, valuation, or other fees associated with your loan application. These will be disclosed in your Credit Proposal Disclosure.

Fees Payable by Us to Third Parties

We may pay small referral fees to third parties (e.g., real estate agents, accountants, or solicitors). These are not charged to you.

Commissions Received

We and our Licensee, Mortgage Specialists Pty Ltd (Specialist Finance Group), may receive commissions from lenders in connection with finance arranged for you. These are not payable by you and are disclosed in your Credit Proposal Disclosure. We may also receive non-monetary benefits such as training, conferences, or professional development events.

Our Lender Panel

We are accredited to arrange loans with a wide range of lenders through our aggregator, Specialist Finance Group.

Licensee’s Top 6 Most Commonly Used Lenders:
ANZ, Commonwealth Bank, Macquarie, NAB, St.George, Westpac

Your Home Loan Guy’s Top 6 Most Commonly Used Lenders:
St.George Bank, Bank Australia, Bankwest, Macquarie Bank, NAB, Beyond Bank

A full lender list and panel information are available at www.specialistfinancegroup.com.au.

Referrers, Benefits, and Related Parties

We may receive referrals from third parties and may pay the referrer a commission or fee. This will be disclosed in your Credit Proposal Disclosure. We maintain a Gifts and Benefits Register recording all forms of hospitality or remuneration from lenders or aggregators. You may request access to this register for transparency. We may also have other business roles or shareholdings in related entities. Any such relationships will be disclosed to you if relevant.

Complaints and Dispute Resolution

Internal Dispute Resolution (IDR)

If you have a complaint, please contact:

Andrew Vann
Credit Representative (CRN 540372)
Your Home Loan Guy
Email: andrew@yourhomeloanguy.com.au | Phone: 0406 512 320

If unresolved within 5 business days, the complaint will be escalated to:

Mark Norman — Complaints Officer
Specialist Finance Group
325 Churchill Ave, Subiaco WA 6008
Phone: 08 9286 6888 | Email: compliance@spfgroup.com.au

You will receive a written response within 30 calendar days.

External Dispute Resolution (EDR)

If you are unsatisfied with the outcome, you can refer the matter to:

Australian Financial Complaints Authority (AFCA)
Member No: 42176
Email: info@afca.org.au
Phone: 1800 931 678
Address: GPO Box 3, Melbourne VIC 3001
Website: www.afca.org.au

Repayment Difficulties

If you experience financial hardship or anticipate difficulty meeting repayments:

Contact us immediately — we may be able to negotiate with your lender.
Lenders have dedicated hardship teams who can assist by:
- extending the loan term,
- pausing or reducing repayments temporarily.

If these options are not suitable, free financial counselling is available:

National Debt Helpline – ndh.org.au | 1800 007 007
Small Business Debt Helpline – sbdh.org.au | 1800 413 828

Important Information

We do not provide legal, financial or taxation advice unless agreed separately. You should read all loan documentation carefully and seek independent advice if needed. We also recommend obtaining advice about insurance options such as life, TPD, trauma and income protection insurance. Ensure your finance is formally approved before entering into any binding contract. We have obligations to lenders and under law to report any suspected fraudulent activity.

Privacy Consent and Disclosure

Mortgage Specialists Pty Ltd (ABN 48 612 422 178) trading as Specialist Finance Group, and its Credit Representatives (including Your Home Loan Guy), comply with the Privacy Act 1988 and the Australian Privacy Principles.

How and Why We Collect Your Information

We collect personal and sometimes sensitive information to provide credit assistance and related services. This information may be shared with:

lenders and credit providers,
accountants, legal advisers, insurers, or real estate agents,
our aggregator (Specialist Finance Group),
contractors, auditors, and IT providers,
credit reporting bodies (CRBs),
or other entities as required by law or with your consent.

Some third parties may be located overseas, including in Bangladesh, India, Ireland, Malaysia, the Philippines, Serbia, and the United Kingdom.

Your Rights

You may request access to the personal information we hold by contacting us or visiting www.specialistfinancegroup.com.au. For information about your privacy rights, visit the Office of the Australian Information Commissioner at www.oaic.gov.au. If you do not provide the requested information, we may be unable to arrange finance on your behalf.

Marketing and Communications

You consent to us providing you with information about new products and services. You may opt out at any time.

You also consent to receive documents electronically and understand that this consent can be withdrawn.

Credit Information

You authorise us to obtain and exchange credit information with lenders, real estate agents, lawyers or conveyancers as required to assist in arranging credit.

We may obtain your credit information from the following Credit Reporting Bodies (CRBs):

Equifax – www.equifax.com.au | 13 83 32
Experian – www.experian.com.au | 1300 783 684
illion – www.illion.com.au | 13 23 33

By engaging our services, you consent to the collection, use, and disclosure of your information as set out in this Privacy Consent and Disclosure.

Your Home Loan Guy – Credit Representative 540372 of Mortgage Specialists Pty Ltd (ACL 387025)
Address: 126 St Andrews Drive, Yanchep WA 6035
Phone: 0406 512 320 | Email: andrew@yourhomeloanguy.com.au