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Important Information & Financial Services Disclaimer - Broker360

ABN 82 644 877 681 · Australian Credit Licence 570 168 · NCCP Act 2009 · 2026

Broker360 (ACL 570 168) is a licensed mortgage broker - not a lender. Information on this website is general in nature only and does not constitute personal financial, credit or legal advice. It does not take into account your individual objectives, financial situation or needs. All loan applications are subject to lender credit assessment and approval. Interest rates are indicative and subject to change without notice.

ACL 570 168 ABN 82 644 877 681 NCCP Act 2009 General Information Only Not Personal Advice Privacy Act Compliant

1 · Licensing & Regulatory Status

Broker360 Pty Ltd (ABN 82 644 877 681) holds Australian Credit Licence (ACL) 570 168, issued by the Australian Securities and Investments Commission (ASIC). All credit activities are conducted in accordance with the National Consumer Credit Protection Act 2009 (Cth) and associated regulations, including the National Credit Code. Broker360 operates as a mortgage broking intermediary and does not act as a lender, underwriter, or guarantor.

2 · General Information Only — Not Personal Advice

The information, tools, calculators, rate tables, guides, and content published on this website are general in nature only. They do not constitute personal financial product advice, credit assistance tailored to your individual circumstances, legal or tax advice, or a recommendation to acquire any particular financial product or credit contract.

This information does not take into account your individual objectives, financial situation, income, assets, liabilities, credit history, repayment capacity or needs. You should consider whether the information is appropriate to your circumstances and seek independent professional advice — including from a licensed financial adviser, solicitor, or accountant — before making any financial or credit decision.

3 · Credit Applications & Lender Assessment

All loan enquiries, indicative approvals, and pre-qualifications are subject to formal application, full credit assessment, and unconditional approval by the relevant lender. Broker360 makes no representation or warranty that any application will be approved or that any particular loan product will be offered.

Eligibility criteria, lending policies, terms, conditions, fees, charges, and credit limits vary by lender and product.
Interest rates and comparison rates quoted are indicative only and are subject to change without notice.
Lenders may apply their own assessment criteria, servicing buffers, and responsible lending obligations independently of any indicative assessment provided by Broker360.

Comparison Rate Warning: Comparison rates are calculated on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

4 · Alternative & Low Documentation Loans

Alt Doc and Low Doc loan products require verification of income through acceptable alternative documentation. Acceptable evidence may include, but is not limited to:

Business Activity Statements (BAS) — typically 12 months
Accountant declarations or letters confirming income
Bank statements (typically 3–24 months depending on lender)
Self-certified income declarations (where permitted by lender policy)
Other evidence as required by individual lenders

Not all applicants will qualify. Higher interest rates, lower LVR caps, or additional conditions may apply. These products are subject to responsible lending obligations.

5 · Adverse Credit History & Debt Consolidation

Bad credit and debt consolidation options are subject to lender assessment of your current financial position, repayment capacity, and responsible lending obligations. Higher interest rates, lower LVRs, or additional conditions may apply. Debt consolidation may reduce monthly repayments but could increase the total amount repayable over the life of the loan. Past credit events do not guarantee approval or a specific product outcome.

6 · Home Guarantee Scheme (Housing Australia)

Scheme pathways include: First Home Guarantee (5% deposit) · Family Home Guarantee (2% deposit) · Regional First Home Buyer Guarantee (5% deposit).

Home Guarantee Scheme pathways are administered by Housing Australia on behalf of the Australian Government. Broker360 is a participating lender's intermediary, not an administrator of the scheme. Eligibility is determined by Housing Australia and participating lenders.

Caps apply to the property value, not the loan amount. Price caps vary by state and postcode. Scheme places may be limited. Income thresholds, citizenship requirements, prior property ownership history, and principal place of residence conditions apply. Changes effective 1 October 2025. For current information visit housingaustralia.gov.au.

7 · Online Calculators & Rate Tools

All calculators, rate tables, LMI estimates, stamp duty figures, and savings projections are provided as indicative tools for educational purposes only. They do not constitute a quote, credit offer, or commitment by any lender.

Stamp duty rates are sourced from official state revenue offices and verified as at February 2026. Rates are subject to legislative change without notice.
LMI estimates are indicative figures based on typical Helia/QBE premium schedules. Actual LMI premiums vary by insurer, lender, loan purpose, employment type, and borrower profile.
Interest rate inputs in repayment calculators are for modelling purposes only — they do not represent a quoted, offered, or guaranteed rate.

8 · Third-Party Logos & Lender Branding

Logos displayed on this website are the intellectual property of their respective owners and are used for illustrative identification purposes only. Their inclusion does not imply endorsement of Broker360 by any lender or institution, nor does it guarantee that any specific lender will accept a loan application or participate in any particular scheme at the time of application. Lender participation, policies, and scheme availability may change without notice.

9 · Testimonials & Past Performance

Testimonials and client experiences represent individual outcomes and do not guarantee future results. Past performance does not guarantee that you will achieve the same or similar outcome. Your result will depend on your individual financial position, prevailing market conditions, lender policies, and other factors at the time of your application.

10 · Privacy & Information Handling

Broker360 collects and handles personal and financial information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. By submitting an enquiry, you consent to the collection, use, and disclosure of your information for the purpose of arranging credit, including disclosure to prospective lenders, mortgage insurers, valuers, and other service providers as required. Our Privacy Policy is available on request.

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