Terms and Conditions

1. Acceptance of Terms

By accessing and using this website, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with any part of these terms, you must not use this website.

2. Services Provided

Expert Mortgages provides credit assistance and information regarding mortgage products. We act as an intermediary between you and potential lenders to help you secure finance. Our role is to provide information and assistance; however, the final decision to lend rests solely with the Credit Provider (CP).

3. Intellectual Property

Unless otherwise stated, Expert Mortgages owns the intellectual property rights for all material on this website, including text, logos, and icons. You may view and print pages for your personal use, but you must not republish, sell, or redistribute our content without prior written consent.

4. User Conduct & Accuracy of Information

You agree to provide accurate, current, and complete information when using our contact forms or calculators. Providing false or misleading information may impact our ability to provide proper advice and could be a breach of the law.

5. Limitation of Liability

To the maximum extent permitted by law, Expert Mortgages shall not be liable for any direct, indirect, or consequential loss arising from:

  • Errors or omissions in the information provided on the site.

  • Interruptions to website availability or technical failures.

  • Any decisions made based on the general information provided here.

6. Third-Party Links

Our website may contain links to third-party websites (such as the OAIC or lenders). We have no control over the content or privacy practices of these sites and accept no responsibility for them.

7. Privacy and Data Security

Your use of this website is also governed by our Privacy Policy, which outlines how we handle personal information, manage data breaches, and store information securely both in Australia and overseas.

8. Governing Law

These terms are governed by the laws of Australia and the state in which Expert Mortgages operates. You submit to the non-exclusive jurisdiction of the courts in that state for the resolution of any disputes.

9. Changes to Terms

Expert Mortgages reserves the right to modify these terms at any time. Changes will be effective immediately upon being posted on the website.