Credit Guide
Lendera.com.au is operated by VCAP Connect Pty Ltd (ABN 88 674 243 362), Credit Representative 555042 of Finsure Finance and Insurance Pty Ltd (ACL 384704). All content is reviewed by licensed mortgage brokers. Rate data is sourced from our live panel of 60+ Australian lenders.
*$0 broker fee applies to most residential home loans. Some loan types including certain car loans, personal loans, commercial and specialist products may attract a broker fee. Any applicable fees will be disclosed upfront before you proceed. This guide is provided as required under the National Consumer Credit Protection Act 2009.
Our Corporate Details
Vishesh Vasnani
VCAP Connect Pty Ltd
88 674 243 362
555042
139 Cardigan Street,
Carlton VIC 3053
Finsure Finance and Insurance Pty Ltd
Level 27, 10 Carrington Street,
Sydney NSW 2000
Responsible Lending Obligations
Before providing you with credit assistance, we are required by law to ensure that any loan or lease we suggest is not unsuitable for you. To make this assessment, we will:
- Ask you questions about your requirements, objectives, and financial situation.
- Take reasonable steps to verify your financial information.
- Ensure that you can meet the financial obligations of the product without substantial hardship.
If we provide you with credit assistance, you are entitled to request a copy of our preliminary credit assessment within seven years of the date it was prepared.
Our Services
We assist clients by sourcing suitable credit products from a wide panel of lenders. Our services include loan comparisons, refinance assistance, debt consolidation, and other forms of credit advice consistent with your financial needs and goals.
We do not provide financial or legal advice. You should consider obtaining independent professional advice before entering into any credit or finance arrangement.
Fees and Commissions
Fees Payable by You
We may charge a fee for our services. Any applicable fee will be disclosed to you in a Credit Quote before proceeding with your application. You may also be required to pay fees and charges to the lender as part of the loan process, which will be disclosed in your Credit Proposal Disclosure Document.
Commissions We May Receive
We may receive a commission from the lender once your loan or lease is settled. These commissions are not fees payable by you. Details of the commission will be disclosed in your Credit Proposal Disclosure Document before your loan application proceeds.
We may also receive additional benefits or volume-based payments from lenders based on the overall business we introduce. These are disclosed as part of our general business relationship with Finsure Finance and Insurance Pty Ltd.
Referral Payments
We may pay a referral fee or commission to third parties such as real estate agents, accountants, or financial advisers who refer clients to us. Any such payment will be disclosed to you in your Credit Proposal Disclosure Document. These payments are not fees charged to you.
Dispute Resolution & Privacy
Complaints
We are committed to resolving any complaints quickly and fairly. If you have a concern, please contact our Complaints Manager at 1300 346 787 or via email at complaints@finsure.com.au.
If your complaint is not resolved to your satisfaction, you may refer it to the Australian Financial Complaints Authority (AFCA):
- Website: www.afca.org.au
- Phone: 1800 931 678
- Mail: GPO Box 3, Melbourne VIC 3001
Privacy
We take your privacy seriously and handle all personal information in accordance with our Privacy Policy and the Privacy Act 1988 (Cth). Your information will only be used to provide broking services and for related purposes as outlined in our Privacy Policy.