Beagle Finance Pty Ltd is licensed to arrange finance under the National Consumer Credit Protection Act 2009 (Cth.). This Act regulates the activities of lending, leasing and finance broking.
Australian Credit Licence holder | Beagle Finance Pty Ltd(ACN 140 290 268) |
Address | Level 14, 74 Castlereagh St, Sydney NSW 2000 |
Phone and e-mail | 1800 466 085 |
Australian Credit Licence number | 383640 |
Internal Complaints Officer contact details | Compliance and Customer Service Manager – details as above |
External Dispute Resolution Scheme details | Credit and Investments Ombudsman Limited phone 1800 138 422www.cio.org.au |
We have appointed a number of Credit Representatives to provide services to you. Details of the Credit Representative with whom you are dealing are:
Credit Representative’s name | Andrew Christian Hoholt |
Address | 433 Logan Road, Stone’s Corner QLD 4120 |
Phone | 07 3394 8393 |
Credit Representative number | 475073 |
External Dispute Resolution Scheme details | Credit and Investments Ombudsman Limited phone 1800 138 422www.cio.org.au |
The Credit Representative (or the business for which the Credit Representative acts) will receive the commissions referred to in Part 6 of this document above.
We will assist you in making the choice of a loan or lease that is suitable for your purposes.
We will provide you with information on a broad range of finance providers and loan products. Once you have chosen a loan or lease that is suitable for you, we will assist in obtaining approval for the finance.
We source finance products from a panel of finance providers. Our current panel comprises the following providers:
Residential Loans
Adelaide BankAMP BankingANZ BankAustralian First MortgagesBank of Melbourne |
Bank SA
Bankwest
Commonwealth Bank
Citibank
Heritage Bank
Homeloans Ltd
Homeside Lending
ING Direct
Keystart (WA only)
La Trobe Financial Services
Liberty FinancialMacquarie BankME BankMKM Capital Pty LtdNational Australia BankNationalcorp Home Loans
Paramount Mortgages
Pepper Homeloans
Premium Capital (VIC only)
RedZed Lending Solutions
Resimac
St George Bank
Suncorp
Teachers Mutual Bank
The Rock Building Society
Westpac
Widebay Australia
Personal Loans
ANZ | GE Money |
Asset & Motor finance
Australian First MortgagesLeaseChoiceLiberty Financial | Macquarie LeasingMildura Finance |
We may also be able to source finance products for you from lenders not listed here.
Under the NCCP Act, we are obliged to make sure that any loan, or principal increase to a loan, or lease that we assist you to obtain is not unsuitable for you. We will need to ask you a series of questions to make this assessment. The law requires us to:
Credit will be unsuitable if, at the time of making the assessment, it is likely that, at the time the recommended loan or lease is made:
For these reasons, we must ask you to provide us with a significant amount of information, much of which we will need to verify. It is therefore very important that the information you provide to us is accurate and complete.
If we provide you with credit assistance, we are required to provide you, upon your request, a copy of our preliminary credit assessment for up to seven years.
We do not provide financial or legal advice. It is important to understand your legal obligations under a proposed loan or lease and the financial consequences imposed by the debt. If you have any doubts, you should obtain independent financial and legal advice before you enter into any finance contract.
We do not make any representations about the current value of any real estate you finance through us, or the future prospects of its value. You should always rely upon your own enquiries.
We may charge you for our services if you apply for a home loan, an investment property loan, a personal loan or a lease. If a fee is to be charged, this will be disclosed to you in a Credit Quote which will be provided to you before applying for finance.
You may need to pay fees to us on behalf of third parties. Again, if these fees are to be paid, they will be detailed in your Credit Quote.
You will need to pay fees to the finance provider. These will be detailed in a Credit Proposal that we will provide to you before applying for finance.
We may receive commissions from the finance provider that provides your loan or lease. These are not fees payable by you. Further details of the commission earned by us will be provided in the Credit Proposal that we will provide to you before applying for finance.
We may receive additional commissions or bonuses from finance providers relating to the volume of finance that we arrange. Such payments are dependent upon a number of factors and cannot be quantified at this point.
Referrals from a broad range of sources are sourced by us and our representatives. For example, we or our representatives may pay commissions or fees to call centre companies, real estate agents, accountants, solicitors or other businesses for referring you to us. These are not fees payable by you. Any referral fee or commission paid in relation to your referral will be disclosed in the Credit Proposal that will be given to you before applying for finance.
We hope that you are delighted with our services. However, if you have any complaints, you can raise these directly with the representative with whom you are dealing. If you are not satisfied with the response that you receive, you may contact our Complaints Officer, by telephoning1800 466 085 , emailing or writing to Level 14, 74 Castlereagh St, Sydney NSW 2000.
When we receive a complaint, we attempt to resolve it as quickly as possible, subject to a full investigation of all the circumstances involved.
If you are not satisfied with the outcome of your complaint, you may refer the matter to the Credit and Investments Ombudsman Limited, an ASIC-approved External Dispute Resolution scheme. External dispute resolution is a service provided at no cost to you, giving you access to an independent mechanism for the resolution of specific complaints or disputes.
We are collecting personal and financial information about you to provide you with our broking services.
If you do not provide the information we may be unable to assist in arranging finance or providing other services.
If you have any questions about this Credit Guide or about any other aspect of our services, please do not hesitate to ask us at any time. We are here to assist you.
Let us help you find the best mortgage! Just Give us a Call : 1300 740 485