Your Details
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All information you provide is kept strictly confidential and handled in accordance with the Privacy Act 1988.
Review & Sign
Please review the engagement letter and sign below
Your Mortgage Broker
Business Name Mortgage & Finance Advisory
Credit Representative Melanie McNaughton
Credit Representative Number CRN 575841
Aggregator Connective Credit Services
ACL Number 389328
Client Engagement Letter
McNaughton Family Co Pty Ltd ATF McNaughton Family Trust
ABN: 90 732 203 952
Australian Credit Representative Number: 575841
Authorised under Connective Credit Services Pty Ltd (ACL 389328)
1. Our Services
By signing this engagement letter, you are engaging McNaughton Family Co Pty Ltd ATF McNaughton Family Trust to provide credit assistance services, which may include:
- Assessing your financial situation and objectives
- Researching and comparing loan products from our panel of lenders
- Making recommendations that are not unsuitable for your needs
- Preparing and submitting loan applications on your behalf
- Liaising with lenders, solicitors, and other parties
- Providing ongoing support through to settlement
2. Your Obligations
To enable us to provide these services, you agree to:
- Provide complete, accurate, and truthful information
- Promptly supply all requested documentation
- Notify us immediately of any changes to your circumstances
- Respond to our communications in a timely manner
- Carefully review all loan documents before signing
3. Fees & Commissions
No Direct Fees: We do not charge you any direct fees for our standard broking services.
Lender Commissions: We receive commission from lenders when your loan settles. We will disclose all commissions in writing before you proceed.
Third Party Fees: You may be required to pay fees to third parties such as lenders, solicitors, or government bodies.
4. Credit Guide & Privacy
We will provide you with a Credit Guide containing important information about our services and your rights. We handle your personal information in accordance with the Privacy Act 1988.
5. Best Interests Duty
We are required by law to act in your best interests when providing credit assistance.
6. No Guarantee of Approval
We cannot guarantee that any application will be approved. Approval is at the sole discretion of the lender.
7. Consent to Act
By signing below, you authorise us to act on your behalf in seeking finance, consent to us collecting your personal information, and confirm all information provided is true and correct.
8. Complaints
If you have a complaint, please contact us first. If unresolved, you may refer it to the Australian Financial Complaints Authority (AFCA).
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