Mortgage Empire Pty Ltd was established in 2011 and holds an Australian Credit Licence (ACL) Number 482488 to arrange loans and leases under the National Consumer Credit Protection Act 2009 (NCCP Act).
We are authorised to advise and deal in relation to the following products:
– Mortgages – Home loans;
– Mortgages – Investment loans;
Self-Managed Super Fund Loan;
– Mortgages – Commercial loans;
– Business Loans
– Personal Loans;
– Car Loans
We offer the following services. We do not charge you for our services ( except for car and personal loans) because we are paid commission by our lenders on lending panels. However, you may need to pay the financier’s application fee, valuation fees, and other fees.
Advice: We will help you to choose a loan or lease which is suitable for your purposes.
Choice: We will provide you with information on a broad range of financiers and products. Once you have chosen a loan or lease that is suitable for you, we will help you to obtain an approval.
Execution only: You have already chosen a financier, and we will assist you to obtain an approval.
We have more than 30 lenders; including the big four banks, on our panel. However, Mortgage Empire Pty Ltd and our mortgage broker do not have any relationships or association with any product issuer/lender that could influence us in providing services to you.
Under the NCCP Act, we are obliged to ensure that any loan or principal increase to a loan we help you to obtain or any lease we help you to enter is not unsuitable for you. To decide this, we may need to ask you some questions in order to assess whether the loan or
lease is not unsuitable. The law requires us to:
– make reasonable inquiries about your requirements and objectives;
– make reasonable inquiries about your financial situation;
– take reasonable steps to verify that financial situation.
We have MFAA membership, which means that we are bound by the MFAA Code of Practice and Ethical Standards. MEMBER NO: 145975
We have an External Dispute Resolution (EDR) scheme with Australia Financial Complaints Authority (AFCA), membership number 43128
We have Professional Indemnity policy covers $2 million for any one claim and $6 million in the aggregate for all claims made against us as credit intermediary and for the conduct of our mortgage brokers.