Terms and Conditions
No Obligations
This website is run by Keystone Home Loans Pty Ltd ATF BEMA Family Trust, trading as Keystone Home Loans, based in Arncliffe NSW. Credit Representative Number 564704 is authorised under Australian Credit Licence Number 384704. By using the website you agree to these terms.
General information only
The information on this website is general. It does not take into account your objectives, financial situation or needs, and it is not credit assistance or financial advice. Before you act on it, consider whether it is right for you. We only recommend a loan after we have assessed your circumstances and given you our Credit Guide.
Calculators and estimates
Our calculators give estimates based on the figures you enter and on assumptions that may not apply to you. They are not a quote, an offer of credit or an approval. Interest rates, fees and lender policies change, and each lender makes its own decision on your application.
No guarantee of approval
We cannot guarantee that a lender will approve a loan, or the rate or terms it offers. Any loan is subject to the lender’s terms and conditions and its assessment of your application.
How we are paid
Our service is usually free to you: we are generally paid a commission by the lender when your loan settles, and sometimes an ongoing commission. We will tell you how we are paid in our Credit Guide and Credit Quote before we provide credit assistance.
Links to other websites
This website links to other websites, such as lenders and government agencies. We are not responsible for their content or how they handle your information.
Our name and content
The Keystone Home Loans name and logo belong to us. Please do not copy our content, name or logo without our written permission.
Your rights under Australian law
Nothing in these terms excludes, restricts or changes any right or remedy you have under the Australian Consumer Law, the National Consumer Credit Protection Act 2009 or any other law that cannot be excluded. Subject to those rights, and as far as the law allows, we are not liable for loss arising from reliance on general information on this website or from the website being unavailable.
Privacy
Our Privacy Policy explains how we handle your personal and credit information.
Changes and governing law
We may update these terms from time to time; the date at the top shows the current version. These terms are governed by the laws of New South Wales.