Privacy Policy
Australian Property Home Loans
Credit Representative Number 518136 is authorised under Australian Credit Licence 389328
Member of Mortgage and Finance Association of Australia (MFAA) #796746
Effective Date: January 2026
1. Introduction
Australian Property Home Loans (“we”, “us”, “our”) is a mortgage broking business operating in Australia. We are committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and where applicable, the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act).
This Privacy Policy explains how we collect, use, disclose, and store your personal information, including in connection with providing credit assistance as a mortgage broker.
2. What Personal Information We Collect
As a mortgage broker, we may collect personal information including:
- Full name
- Date of birth
- Contact details (phone number, email, residential and postal address)
- Employment details and income information
- Expenses and financial commitments
- Tax file number (where required by lenders)
- Identification documents (e.g. driver’s licence, passport)
- Credit history and credit eligibility information
- Property details (purchase, refinance, or investment property information)
- Bank statements and transaction data
- Existing loan and mortgage details
We may also collect sensitive information only where required and with your consent.
3. How We Collect Your Information
We collect personal information directly from you and from third parties, including:
- Loan application forms (online, paper-based, or digital platforms)
- Phone, email, and face-to-face meetings
- Lenders and financial institutions
- Credit reporting bodies
- Our aggregator and related service providers
- Verification and identity service providers
We may also collect information from publicly available sources where lawful and reasonable.
4. Why We Collect Your Information
We collect and use your personal information to:
- Provide credit assistance and mortgage broking services
- Assess your borrowing capacity and loan suitability
- Prepare and submit loan applications to lenders on your behalf
- Verify your identity and comply with AML/CTF obligations
- Comply with legal and regulatory obligations under the NCCP Act
- Communicate with you about your loan enquiry or application
- Manage ongoing credit assistance where applicable
- Improve our services and client experience.
5. Disclosure of Personal Information
As part of providing mortgage broking services, we may disclose your personal information to:
- Banks, non-bank lenders, and financial institutions
- Mortgage insurers
- Credit reporting bodies
- Our aggregator and related service platforms
- Financial advisers, accountants, and legal professionals (with your consent)
- Identity verification and compliance service providers
- IT, CRM, and cloud storage providers
- Government and regulatory authorities where required by law
We take reasonable steps to ensure all third parties handle your information in accordance with applicable privacy laws.
6. Credit Information
In the course of providing credit assistance, we may collect and share credit-related information, including:
- Credit history and repayment information
- Credit scores and credit reports
- Loan account information
- Defaults or adverse credit events (where applicable)
We may obtain credit reports from credit reporting bodies to assess your eligibility for credit.
7. Storage and Security
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure.
Security measures may include:
- Secure digital systems and encrypted platforms
- Access controls and authentication procedures
- Staff training on privacy, credit reporting, and confidentiality obligations
However, no method of electronic transmission or storage is completely secure.
8. Marketing Communications
We may use your personal information to send you marketing communications about our mortgage and financial services.
You may opt out at any time by:
- Clicking the unsubscribe link in emails
- Contacting us directly.
9. Cookies and Website Data
If you use our website, we may collect data via cookies and analytics tools to:
- Improve website functionality
- Analyse user behaviour
- Enhance client experience
You can manage or disable cookies through your browser settings.
10. Overseas Disclosure
We may use cloud storage, software platforms, or service providers located outside Australia. Where this occurs, we take reasonable steps to ensure your information is handled securely and in accordance with Australian privacy law.
11. Complaints
If you believe we have breached your privacy obligations, you may contact us using the details below. We will investigate and respond in a timely manner.
If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).
12. Contact Us
Australian Property Home Loans
PO BOX 357
BLACK ROCK, VIC, 3193
Australia
Email: info@australianpropertyhomeloans.com.au
13. Updates to This Policy
We may update this Privacy Policy from time to time to reflect changes in law or business practices. The most current version will always be available on our website.