Credit Guide
Our Credit
Guide.
The things we are required to tell you before we help with finance.
- Legal entity
- Guardian Finance Group Pty Ltd
- ABN
- [ ABN ]
- ACN
- [ ACN ]
- Australian Credit Licence
- [ ACL number, or credit representative number ]
- Licensee
- [ Licensee / aggregator name, if operating as a credit representative ]
- External dispute resolution
- Australian Financial Complaints Authority — membership number [ AFCA membership number ]
- Address
- Hawthorn, Melbourne, Victoria [ full street address ]
- Phone
- (03) 9988 1452
About this Credit Guide
This document sets out who we are, what we can help you with, and what to do if you are unhappy with something. We have to give it to you before we provide any credit assistance.
Who we are
Guardian Finance Group Pty Ltd is a finance broking firm based in Hawthorn, Melbourne. We arrange finance for clients across Australia, including in Sydney, Brisbane, Melbourne, Perth and Canberra.
The credit assistance we provide
We provide credit assistance across:
- Residential lending — purchases, refinancing, investment and portfolio lending
- Commercial finance — acquisition, refinance and asset expansion
- Development finance — site acquisition, construction and residual stock
- Private lending
- Business finance
- Debt consolidation — refinancing existing debts, including tax debt, into a new loan
Commercial and business lending is generally not regulated under the National Consumer Credit Protection Act. Where your loan is regulated, the protections described in this guide apply.
Assessing whether a loan is suitable
Before we assist you with a regulated credit contract, we must make a preliminary assessment of whether it is not unsuitable for you. To do that we will ask about your requirements and objectives, your financial situation, and take reasonable steps to verify what you tell us.
A loan is unsuitable if you could not repay it without substantial hardship, or if it does not meet your requirements and objectives.
Your right to the preliminary assessment
You may request a written copy of our preliminary assessment. We must provide it free of charge if you ask for it within seven years of the date of the credit assistance. If you ask within two years, we must provide it within seven business days; after that, within twenty-one business days.
Lenders we work with
[ Lender panel and the top six lenders by volume — required disclosure, to be completed once confirmed ]
Fees, commissions and other benefits
[ Fees payable by you, commissions received from lenders, and any other benefits — to be completed with your licensee before this page is published ]
If you have a complaint
Please tell us first, so we can try to resolve it. Our complaints process is set out on our complaints page. If you are not satisfied with our response, you can take the matter to AFCA at no cost.
Australian Financial Complaints Authority (AFCA)
Online: afca.org.au
Phone: 1800 931 678
Email: info@afca.org.au
Mail: GPO Box 3, Melbourne VIC 3001
Our AFCA membership number is [ AFCA membership number ]. AFCA provides fair and independent financial services complaint resolution that is free to consumers.
Contact us
Phone (03) 9988 1452 or email info@guardianfinancegroup.com.au.