Terms and Conditions

Website Terms and Conditions of Use

In these Terms and Conditions of Use, the expressions weus and our includes Australian Finance Group Ltd ABN 11 066 385 822 (AFG) Australian Credit Licence 389087 and any related entity.

Terms and Conditions of Use
By accessing, viewing or otherwise using any of our websites, you acknowledge and agree to be subject to these Terms and Conditions of Use, our Privacy Policy and any other notices, disclaimers or terms and conditions contained on our websites, as amended or modified from time to time (together the Terms and Conditions of Use). If you do not accept our Terms and Conditions of Use you are not authorised to use our websites.

These are our current Terms and Conditions of Use and they replace any others which have appeared previously on any of our websites. We may at any time vary these Terms and Conditions of Use by publishing the new version on our websites. By accessing any of our websites you are deemed to accept the current Terms and Conditions of Use displayed. We reserve any and all rights not expressly granted in these Terms and Conditions of Use.

Any calculators or information provided on our websites are provided for your convenience only and do not constitute either credit or financial advice. Information on our websites has been prepared without consideration of your particular circumstances and should be viewed as generic information only and not as indicating that you should follow a particular course of action.

Internet security risks
There may be security risks in sending information via the Internet.  You should assess these potential risks when deciding whether to use our online services.

Links to other websites
Our websites may contain links to other websites operated by third parties. We do not endorse or approve of the operators of any third party websites, or the information, graphics and material featured on third party websites. To the extent permitted by law, we accept no responsibility or liability and give no warranty in any way in respect of third party websites or the goods and services offered to you on any third party websites.

We may receive payments from operators or owners of third party websites in relation to goods or services supplied to you by them as a result of you linking to their website from ours.

Use by persons outside of Australia

Our websites are provided for use by Australian residents only, and the products and services described in them are not directed at anyone in any country other than Australia. If you are not one of our customers and are accessing our websites from outside Australia, you must not submit or attempt to submit any online application or request. Online applications and requests for products initiated outside of Australia will not be accepted from anyone who is not an existing customer.

The information contained in our websites has been prepared in accordance with the laws applicable to the Commonwealth of Australia.

Third party software
Unless we tell you otherwise, any software you download from a third party website is their product and not ours. We point that out because some products may be subject to a licence agreement between you and them.

To the extent permitted by law, we accept no responsibility or liability in respect of such third party products, provide no warranty, and give no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning them.

No warranty or guarantee
While we have tried hard to make sure there are no mistakes in any of the information on our websites, we do not warrant that we have verified the information and we do not warrant the accuracy, adequacy or completeness of it or that the information is suitable for your intended use. Further, all information is subject to change without notice.

We recommend that you seek independent advice before acting upon any of the information on our websites.

We do not guarantee that our websites are free from viruses, or that access to our sites will be uninterrupted.

You acknowledge and agree that your use of our websites is at your own risk. You must ensure that that the process which you use for accessing our websites does not expose you to the risk of viruses or other forms of interference which may damage your own computer system.

Limitation of liability
Subject to any responsibilities which are implied by law and cannot be excluded, neither we, nor any of our employees, agents or officers are liable to you for any losses, damages, liabilities, claims or expenses (including but not limited to legal costs and defence or settlement costs) whether direct or indirect, whatsoever arising out of or referable to information on our websites or your use of our websites or any modification, suspension or discontinuance of our websites – whether in contract, tort including negligence, statute or otherwise.

Our liability for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at our option, to:

  • the resupply of the goods or services;
  • the repair of the goods or services
  • the payment of the cost of having the goods or services supplied again or repaired.

Copyright and trademarks
The material on our websites is protected by copyright. Other than for the purposes and subject to the conditions prescribed under the Copyright Act 1968 (Cth), no part of it may in any form or by any means (electronic, mechanical, micro-copying, photocopying, recording, or otherwise) be reproduced, uploaded to a third party, linked to, framed, stored in a retrieval system or transmitted without our prior written permission.

You also must not in any form or by any means commercialise any information, products or services obtained from our websites without our prior written permission. Our websites include registered trade marks owned by us (or our licensors). You must not use any of our trademarks in any way without our prior written consent.

Linking to our websites
You must not link to any of our websites without our prior written permission. 

Home Buyers

Looking to upgrade or downsize?

Looking to upgrade the family home or downsize for retirement?

There’s often a lot to think about.

We’re here to help

SFP have been assisting clients with strategic debt advice for over 20 years. Our unique difference is in our wealth of knowledge from both a mortgage broking and financial advice perspective. We’re able to assist with obtaining finance and ensure you receive the correct financial advice to make the right financial decisions in your next big move.

Choosing the right loan

With 1000’s of home loan products available in Australia, it can be difficult to find the right lender and loan for your needs. Our specialist finance team works with a panel of over 30 different lenders including big banks, credit unions and non-branch lenders to ensure we find the right home loan for your individual needs.

Don’t forget the buying & selling costs

There’s a lot to think about when moving home and it’s easy to forget the costs involved in the selling and buying process. Before putting your home up for sale or placing a deposit on a new home, it’s important to assess all the costs to ensure a smooth transition into your new home. Below are some of the costs to consider;

Buying An Investment Property

Looking to buy your first, second or third investment property?

Property investment in Australian continues to be a popular way to build wealth over the long term but care needs to be taken when investing in property and obtaining finance for your investment property purchased.

Lenders treat investment property loan differently to standard home loans which means a different approach needs to be taken. When looking to finance an investment property, the below points need to be considered;

Working with the right people

Investing in property can help building wealth and generate income but property investment isn’t without its risks. It’s important to work with professionals to ensure you’re receive the right advice for your individual needs.

Our specialist finance team works with a panel of professionals such as accountants, solicitors and in-house financial advisers to ensure you receive the right advice. If you’re already working with one or all of the above, we’ll work with them to get the best outcomes for your needs.

We offer an obligation free appointment where we can openly discuss what you’re looking to achieve. We’ll be able to provide you with investment property loan options and answer any questions along the way. We look forward to meeting you soon.

Refinancing Your Home Loan

Is refinancing right for you?

If you haven’t reviewed your current home loan lately, chances are you might be paying too much. Interest rates are at an all-time low in Australian, so there’s never been a better time to compare the market and ensure you’re getting the best deal.

Reasons for refinancing

SFP’s home loan specialists can assist with all your refinance needs, including;

Making the first step

We offer an obligation free appointment where we can openly discuss what you’re looking to achieve and put your mind at easy. We’ll be able to provide you with refinance options and answer any questions along the way.

We look forward to meeting you soon.