Legal

Privacy Policy

Last updated: 30 June 2026  ·  Home Loan Essentials Pty Ltd

1. About This Policy

This Privacy Policy explains how Home Loan Essentials Pty Ltd (ABN available on request), operating under an Australian Credit Licence, collects, uses, stores and discloses your personal information when you use our mortgage broking services or visit our website.

By engaging our services or submitting information to us, you consent to the practices described in this Policy.

2. What Information We Collect

We collect personal information necessary to provide mortgage broking services. This may include:

Identity & Contact Information

• Full name, date of birth, residential address
• Phone number, email address
• Government-issued identification (e.g. driver's licence, passport)

Financial Information

• Income, employment status and history
• Assets, liabilities and expenses
• Bank statements, tax returns and payslips
• Credit history and credit report information
• Details of existing loans or mortgages

Property Information

• Property details and purchase contracts
• Valuation reports

Website & Technical Information

• IP address, browser type, pages visited (via cookies and analytics)

3. How We Collect Your Information

We collect information directly from you through:

• Consultation meetings (in person, phone or video call)
• Loan application forms and fact-find documents
• Email, SMS or online form submissions
• Our website (including contact forms and enquiry tools)

We may also collect information from third parties including lenders, credit reporting bodies (such as Equifax), real estate agents, and government agencies where permitted by law.

4. Why We Collect Your Information

We collect and use your personal information to:

• Assess your borrowing needs and financial situation
• Identify and recommend suitable home loan products
• Prepare and submit loan applications on your behalf
• Comply with our obligations under the National Consumer Credit Protection Act 2009 (Cth)
• Verify your identity in accordance with anti-money laundering laws
• Communicate with you about your application and loan progress
• Improve our services and website
• Send you relevant updates or educational content (with your consent)

5. Sharing Your Information

We may disclose your personal information to:

• Lenders and credit providers — to submit and process your loan application
• Credit reporting bodies — to assess your creditworthiness (e.g. Equifax)
• Mortgage aggregators and licensees — under whose licence we operate
• Lenders Mortgage Insurance (LMI) providers — where applicable
• Legal and financial advisers — where required to provide our services
• Government and regulatory bodies — where required by law (e.g. ASIC, ATO)
• IT and software service providers — who assist us in operating our business securely

We do not sell your personal information to third parties. We only share information where necessary to provide our services or as required by law.

6. Storage & Security

Your personal information is stored securely using industry-standard measures including encrypted digital storage and access-controlled systems. We take reasonable steps to protect your information from misuse, loss, unauthorised access, modification or disclosure.

Where we use third-party cloud or software providers, we ensure they maintain appropriate security standards. Your information may be stored on servers located in Australia or overseas.

7. Retention of Information

We retain your personal information for as long as necessary to provide our services and to comply with our legal obligations, including record-keeping requirements under credit legislation (generally a minimum of 7 years).

8. Access & Correction

Under the Australian Privacy Principles, you have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate or incomplete information

To make a request, please contact us using the details below. We will respond within 30 days. In some circumstances we may be unable to provide access (e.g. where it would reveal information about another person or where required by law) and we will explain our reasons.

9. Complaints

If you believe we have breached the Australian Privacy Principles or this Policy, please contact us in the first instance. We will investigate and respond within 30 days.

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or on 1300 363 992.

For credit-related complaints, you may also contact the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or on 1800 931 678.

10. Cookies & Website Analytics

Our website may use cookies and analytics tools to understand how visitors use our site. You can disable cookies through your browser settings, though this may affect website functionality. We do not use cookies to collect sensitive personal information.

11. Marketing Communications

With your consent, we may send you educational content, market updates or information about our services. You can opt out at any time by contacting us or clicking the unsubscribe link in any email communication.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The current version will always be available on our website with the date of last update. Continued use of our services after any changes constitutes your acceptance of the updated Policy.

13. Contact Us

For any privacy-related enquiries, requests or complaints:

• Business: Home Loan Essentials Pty Ltd
• Location: Helensvale, Queensland
• Email: jack@homeloanessentials.com.au
• Phone: 0478 938 981