Last Updated: July 2026
This Disclaimer applies to all content published on this website by McNaughton Family Co Pty Ltd ATF McNaughton Family Trust (ABN 90 732 203 952), trading as Mortgage & Finance Advisory, Credit Representative 575841 of Connective Credit Services Pty Ltd, Australian Credit Licence 389328. By using this website, you agree to the terms of this Disclaimer. Please read it carefully before relying on any information provided here.
The content on this website — including articles, guides, blog posts, market commentary, and any other material — is provided for general information purposes only. It does not take into account your personal objectives, financial situation, or needs, and it does not constitute personal financial advice, credit advice, or a recommendation that any product or strategy is suitable for you.
Nothing on this website should be relied upon as a substitute for individual professional advice. Before acting on any information contained on this website, you should consider its appropriateness having regard to your own objectives, financial situation, and needs, and, where appropriate, seek advice from a qualified professional such as a licensed credit representative, financial adviser, accountant, or solicitor.
Any specific advice or recommendations about credit products will only be provided directly to you after we have assessed your individual circumstances, and will be documented separately in accordance with our obligations under the National Consumer Credit Protection Act 2009 (Cth). See our Credit Guide for further details.
Any calculators, repayment estimators, borrowing power tools, or similar interactive tools on this website are provided for illustrative purposes only. Results generated are estimates based on the information you input and a set of general assumptions — they are not a quote, pre-approval, loan offer, or guarantee of finance.
Actual repayments, interest rates, fees, borrowing capacity, and loan terms will vary depending on the lender, the specific product, your individual financial circumstances, and lender assessment criteria at the time of application. Figures shown may not include all fees, charges, or government costs that could apply to your circumstances. You should not rely on calculator outputs when making a decision about a credit product — always obtain a formal quote or Credit Proposal Disclosure Document before proceeding.
Any reference on this website to loan products, interest rates, or lending outcomes is general in nature. All lending is subject to the lender’s own credit assessment, approval criteria, and lending policies, which may change at any time without notice. Nothing on this website constitutes a guarantee or representation that finance will be approved, that a particular rate will be available to you, or that any application will proceed to settlement. Approval is always at the sole discretion of the relevant lender.
Warning: Any comparison rates referenced on this website are true only for the examples given and may not include all fees and charges. Different terms, fees, or loan amounts might result in a different comparison rate. Comparison rates are calculated based on a loan amount of $150,000 (or as otherwise stated) over a term of 25 years, and are intended to help you compare the total cost of a loan — they are not a guide to the interest rate, fees, or repayments that will actually apply to your loan. Always request a personalised comparison rate and full fee schedule from the lender before making a decision.
While we make reasonable efforts to ensure the information on this website is accurate and current at the time of publication, we make no representation or warranty (express or implied) as to the accuracy, reliability, completeness, or currency of any content, including interest rates, lender policies, market commentary, or regulatory information, all of which are subject to change without notice. Information may become outdated between the time it is published and the time you access it.
To the maximum extent permitted by law, McNaughton Family Co Pty Ltd ATF McNaughton Family Trust, its directors, employees, and credit representatives exclude all liability for any loss or damage (including indirect or consequential loss) arising from your use of, or reliance on, the information contained on this website.
This website may contain links to third-party websites, lender portals, calculators, or resources that are not owned or controlled by us. These links are provided for your convenience only. We do not endorse, and are not responsible for, the content, accuracy, privacy practices, or availability of any linked third-party website. Accessing any linked website is at your own risk, and we recommend you review the terms and privacy policy of any third-party site before using it or providing your personal information.
Business Name: McNaughton Family Co Pty Ltd ATF McNaughton Family Trust, trading as Mortgage & Finance Advisory
ABN: 90 732 203 952
Credit Representative Number: 575841
Authorised under: Connective Credit Services Pty Ltd
Australian Credit Licence: 389328
Mortgage & Finance Advisory is a trading name and is not a separate legal entity. All credit assistance is provided by McNaughton Family Co Pty Ltd ATF McNaughton Family Trust as a Credit Representative of Connective Credit Services Pty Ltd (Australian Credit Licence 389328), under the National Consumer Credit Protection Act 2009 (Cth).
Past performance, case studies, testimonials, or examples referenced on this website are not a reliable indicator of future results and do not guarantee that a similar outcome will be achieved in your circumstances. Every credit application is assessed individually by the lender based on your own financial position at the time of application.
We may update this Disclaimer from time to time to reflect changes in our practices, services, or legal and regulatory requirements. The updated version will be posted on this page with a revised “Last Updated” date. We encourage you to review this Disclaimer periodically.
This Disclaimer should be read together with our other policy documents, which set out further important information about how we operate and how to raise a concern:
If you have any questions about this Disclaimer, please contact us:
McNaughton Family Co Pty Ltd ATF McNaughton Family Trust
trading as Mortgage & Finance Advisory
Phone: 03 9020 2699
Address: 1/4-6 Gilbert St, Torquay VIC 3228
