Credit Guide

Montreo Finance & Insurance Pty Ltd

Australian Credit Licence 383686

About This Credit Guide

This Credit Guide provides important information about Montreo Finance & Insurance Pty Ltd, the credit services we provide, how we are remunerated and how you can make a complaint.

We are committed to providing professional and transparent credit assistance and to helping you make informed decisions about your finance requirements.

Our Services

Montreo Finance & Insurance Pty Ltd provides finance assistance for a range of lending requirements, including:

Home loans
Investment loans
Refinancing
Commercial finance
Property development finance
Business loans
Asset and vehicle finance

We will consider your requirements, objectives and financial circumstances when assessing finance options and recommending a suitable credit product.

Where applicable, we will assess whether a proposed credit contract is not unsuitable for you and comply with our obligations under the National Consumer Credit Protection Act 2009.

Our Lender Panel

We have access to a panel of lenders and credit providers.

We do not have access to every lender or every loan product available in the market. We will consider the lenders and products available to us when assessing your circumstances and requirements.

Where a particular lender or product is not available through our panel, we will let you know where this is relevant to your finance requirements.

Acting in Your Best Interests

When providing credit assistance to consumers, we are required to act in your best interests.

This means we consider your financial situation, requirements and objectives when assessing available lending options and making a recommendation.

Where there is a conflict between your interests and our interests, your interests must be given priority.

How We Are Paid

We may receive commissions from lenders when a loan settles.

Depending on the lender and loan product, this may include an upfront commission and/or an ongoing trail commission.

Commission arrangements can vary between lenders and products. The amount of commission we receive in relation to a particular loan will be disclosed to you as required before you proceed with the relevant credit contract.

We may also receive other fees or benefits in connection with providing our services. Any relevant fees or benefits will be disclosed to you.

Fees Payable by You

In most cases, our services are paid for by the lender through commission and you will not pay us a fee.

If a fee is payable by you for our services, we will disclose the fee to you in writing and provide the appropriate documentation before providing the relevant credit assistance.

You may also be required to pay fees and charges imposed by a lender or other third party, such as application, valuation or legal fees. These will be explained to you as applicable.

Referral Arrangements and Other Benefits

From time to time, we may have arrangements with professional service providers or other businesses that refer clients to us, or to whom we may refer clients.

Where we receive a fee, commission or other benefit as a result of such an arrangement, we will disclose the relevant information to you as required.

Conflicts of Interest

We take reasonable steps to identify and manage conflicts of interest that may arise in providing our services.

Our obligation is to act in your best interests when providing credit assistance and to provide appropriate disclosure about relevant remuneration, fees and benefits.

Complaints

We aim to provide a high standard of service. If you are unhappy with our service or believe we have not met our obligations, please contact us so that we can investigate and attempt to resolve your complaint.

If your complaint is not resolved to your satisfaction, you may contact the Australian Financial Complaints Authority (AFCA).

AFCA: 1800 931 678

Website: www.afca.org.au

Further information about our internal dispute resolution process is available on request.

Insurance Referrals

We can introduce you to appropriately licensed insurance professionals who can assist with your insurance requirements. Any insurance advice, product recommendations or insurance arrangements are provided directly by the relevant insurance professional.

Privacy

We respect your privacy and handle your personal information in accordance with applicable privacy laws.

Our Privacy Policy explains how we collect, use, hold and disclose your personal information and how you can request access to or correction of your information.

Contact Us