Credit Guide

This Credit Guide provides you with the key information you need to make an informed and confident choice when engaging our services through homeloansrefinance.com.au. Credit assistance referred through this website is provided by Tanuj Kapoor as an authorised Credit Representative of BLSSA Pty Ltd, licensed under the National Consumer Credit Protection Act 2009 (NCCP Act), which regulates the activity of lending, leasing and finance broking in Australia.

Key Information

Your Credit Representative

homeloansrefinance.com.au is a website operated by Tanuj Kapoor to help homeowners understand their refinancing options and connect them with credit assistance. Tanuj Kapoor provides that credit assistance as an authorised Credit Representative of BLSSA Pty Ltd (ACL 391237). homeloansrefinance.com.au itself does not hold a credit licence and does not provide credit assistance directly — all credit assistance is provided by Tanuj Kapoor under BLSSA Pty Ltd's licence.

Services We Provide

We will help you choose a loan which we believe is in your best interests. We will provide you with information on a broad range of lenders and make a recommendation based on what you tell us is most important to you. Once you have chosen a loan that is suitable for you, we will help you obtain approval. We source finance from a panel of financiers covering residential, commercial, and asset finance/personal loan lending. Our current lender panel is set out below.

Six Most Frequently Used Lenders — BLSSA Pty Ltd (Licensee, previous financial year)

Macquarie, ANZ Australia, Westpac, Commonwealth Bank, National Australia Bank, BankWest.

Six Most Frequently Used Lenders — Tanuj Kapoor (Your Credit Representative, previous financial year)

Commonwealth Bank, Macquarie, National Australia Bank.

This is not intended to be a comprehensive list — there are other lenders on the current panel that may be used. Where a full year's data is unavailable, fields may be blank or limited; you can request further detail directly from Tanuj.

Our Responsible Lending Obligations

Under the NCCP Act, we are obliged to ensure that any loan or increase to a loan we arrange for you is suitable to your needs and objectives. To assess this, we will ask you questions to:

• Make reasonable enquiries about your requirements and objectives
• Make reasonable enquiries about your financial situation
• Take reasonable steps to verify that financial situation

It's important that the information you give us is complete, accurate and current — if you're unable to provide the information needed to assess your circumstances, we may not be able to make a recommendation to you.

Credit will be considered unsuitable if, at the time of assessment, it's likely that at the time credit is provided:

• You could not pay, or could only pay with substantial hardship; or
• The credit would not meet your requirements and objectives.

For example, if you could only repay by selling your principal place of residence, the loan is presumed to cause substantial hardship unless proven otherwise. You can request a copy of our preliminary credit assessment of your application within 7 years of when we assist you.

If we arrange a loan to purchase or refinance real estate, you must make your own enquiries about the value of that property and its future prospects. Any valuation we obtain is for our own use — you should not rely on it.

Acting in Your Best Interests

When providing credit assistance, we are obliged to act in your best interests (the Best Interests Duty). Any product we recommend must be in your best interests, and our reasons for that recommendation will be documented, recorded, explained, and provided to you.

If an actual, potential, or perceived conflict of interest arises, we will disclose it to you and prioritise your interests ahead of our own — including in situations where we know, or reasonably ought to know, there is a conflict between your interests and ours or a third party's.

Fees Payable by You

BLSSA Pty Ltd, as the licensee, does not charge you for credit assistance — we are paid commission by the financier. Your Credit Representative may charge a fee in some circumstances; if so, this will be disclosed to you in writing (a Credit Quote) before you proceed. You may separately need to pay the lender's application fee, valuation fees, or other third-party fees, which will be communicated to you when credit assistance is provided.

Commissions Received by Us

We may receive commissions from the lenders who provide finance for our clients. These are not fees payable by you. Commission percentages vary but generally range between 0.60% and 0.75% of the loan amount. Full details of the nature and amount of any commission relevant to your loan will be provided to you, and you can request further information at any time.

Commissions Payable by Us

We source referrals from a range of sources and may pay referral fees to call centre companies, real estate agents, accountants, or lawyers for referring clients to us. These referral fees are in line with usual business practice and are not payable by you. Details of the nature and amount of any such fee can be provided on request.

Our Internal Dispute Resolution

We hope you're happy with our service, but if you have a complaint, please contact Tanuj Kapoor directly in the first instance on 0452 512 003 or tanuj@jabsonsfinance.com.au. You can raise a complaint verbally or in writing, and we'll attempt to resolve it promptly. If your complaint can't be resolved directly, or will take longer than 30 days, contact BLSSA's Internal Complaints Officer using the details in the Key Information table above.

Our External Dispute Resolution

If we can't reach an agreement on your complaint, you may refer it to our External Dispute Resolution scheme, the Australian Financial Complaints Authority (AFCA) — a no-cost, independent service (contact details above).

Things You Should Know

• We don't make any promises about the value of any property you finance with us, or its future prospects — you should always rely on your own enquiries.
• We don't provide legal, financial, or tax advice. It's important you understand your legal obligations under the loan and the financial consequences involved. If you have any doubts, seek independent legal or financial advice before entering into any loan contract.
• Any dollar figures, savings estimates, or use-case examples shown on homeloansrefinance.com.au (including in blog content) are general, illustrative examples only and not a guarantee of the outcome available to you personally.

This Credit Guide reflects information provided in Tanuj Kapoor's BLSSA Pty Ltd Credit Guide (Version 082022). Please confirm the current version with Tanuj directly, as licensee details, lender panel composition, and commission ranges may be updated from time to time.