This Credit Guide has important information about us and your broker. It contains details about: 

• our fees, charges and commissions for helping you obtain a loan or other credit product; 

• how we meet our responsible lending obligations to provide credit that is not unsuitable for you; and 

• what you can do if you have a complaint or compliment about us. 

About Us

'Aussie' is the trading name of Lendi Group Distribution Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786. Lendi Group Pty Ltd (Lendi Group) is the ultimate holding company of the Aussie business.   In this document, 'Aussie', 'we', 'us', and 'our' are references to Aussie, to employees and credit representatives of Aussie, and to any Lendi Group related bodies corporate.  We arrange home loans from a broad range of lenders and products and manage Aussie branded home loans. We also market other credit products.  

Credit Licensee Details 

What is Credit Assistance?

We are required to provide this Credit Guide to you as soon as practicable after it becomes apparent that we are likely to provide credit assistance to you. We provide “credit assistance” when we:

1. suggest or assist you to apply for a particular credit contract with a credit provider; or

2. suggest or assist you to apply for an increase to an existing credit contract with a credit provider; or

3. suggest you remain in a particular credit contract with a credit provider.

Our obligations to you

When we provide you with credit assistance, we are legally required to only recommend credit products that are not unsuitable for you. To enable us to determine which loan products might be suitable for you, we are required to complete a Preliminary Assessment. When we make this preliminary assessment, we will ask you about your requirements and objectives, your financial and personal situation and your ability to repay the loan that you are considering. In assessing these factors, we are also required to take reasonable steps to verify some of the information you provide us. This verification may include asking you for copies of documents that demonstrate your financial situation (in some cases we may also need to sight original documents) and contacting third parties to assist in verifying the information that you provide. It is important that the information you provide to us is accurate.

Obtaining a copy of your Preliminary Assessment

You may request a copy of your Preliminary Assessment and we must give you a copy of it within:

1. seven (7) days, if the request is made within two (2) years of providing credit assistance; or

2. twenty-one (21) days, if the request is made between two (2) and seven (7) years of the providing credit assistance.

There is no charge for requesting or receiving a copy of the Preliminary Assessment.

Fees and charges payable by you in relation to our credit assistance

We do not charge you a fee for our credit assistance.

How do we and our Brokers get paid?

We are paid commissions by lenders for introducing customers. The lenders we deal with will usually pay us a commission based on the size of loan and the particular loan product you have selected. We will only be paid this commission if your loan is settled and drawn down. We are also paid an ongoing commission by your lender based on the outstanding balance of your loan. Some of the commission we receive will be paid to our Brokers.

For Aussie home loans, where we act as mortgage manager, we receive management fees (a form of commissions) from the lender who funds the loan.

For Legal and Conveyancing services, provided by Settle Easy, we act as a referrer and receive a referral fee for transactions you complete with Settle Easy, with a portion potentially shared with our Brokers.

For Sellers Assist services provided by external real estate agents, we act as a referrer and receive a referral fee for any successful property sale that is completed by that agent on your behalf, with a portion potentially shared with our Brokers.

For Buyers Agent services provided by Aussie Homes, your Broker may act as a referrer and receive a referral fee. Aussie Homes is operated by Aussie Homes Platform Pty Ltd, a member of the Lendi Group.

The commissions and referral fees that we are paid by your lender or any referral parties are not payable by you (they are paid to us either directly by the lender or our referral partner) and do not alter your interest rate or fees.

At this stage, the amount of commission and any referral fees is not ascertainable. As part of the application process, we will provide you with a Credit Proposal Disclosure Document which will include an estimate of the commissions we are likely to receive from the Lender if you decide to proceed with the application and your loan settles, along with details of how that commission is calculated.

Upon request, we can provide you with a reasonable estimate of the commission, referral fees or management fees likely to be received and how those amounts are worked out.

We do not have any volume-based commissions or volume-bonus arrangements with lenders.

Brokers who are employed by us and acting on behalf of the licensee receive a salary from us and may receive additional performance incentives depending on a number of metrics including successful loan applications, customer satisfaction, and other quality metrics.

Non-monetary remuneration or benefits

Brokers may also receive non-monetary benefits, which may include access to tiered servicing programs, conferences, courses, competitions, entertainment benefits, and other forms of hospitality.

Our Brokers have access to training and educational courses or seminars run by lenders, aggregators, and third parties, which are intended to assist our staff in understanding lender products. They may also be members of lender tiered servicing programs which can enable them to receive improved service and other benefits. The value of these benefits is usually unascertainable.

All our conferences and professional development events are held at suitable locations, are primarily educationally focussed, and are aimed at improving consumer outcomes. The ability to attend conferences and access additional educational opportunities is available to all our Brokers and is not based on loan volumes written by a Broker.

Our Top 6 credit providers by concentration

We source credit products from a range of banks, lenders and other credit providers. We currently have 27 lenders available to customers.

As at 1 July 2025 we had 28 lenders available to customers. In the last financial year (to 30 June 2025), our Aussie Brokers submitted loans to 28 lenders with our top 6 lenders based on the number of settled loans being: HSBC (12.6%), Macquarie (10.8%), Westpac (10.4%), ANZ (10.3%), AHL (10.0%) and CBA (7.8%).

Other people we deal with

Lender of record for Aussie branded loans

We market Aussie Home Loans where we structure the products and/or act as a mortgage manager. Depending on the Aussie branded product selected, the lender of record shown in the credit contracts and mortgages may be Residential Mortgage Group Pty Ltd (a wholly owned subsidiary of Commonwealth Bank of Australia), Perpetual Limited, Macquarie Bank Limited, Pepper Finance Corporation Limited or Adelaide Bank (a division of Bendigo and Adelaide Bank Ltd).

Referrers and Referral fees

Referrals to us

We source referrals from a broad range of sources including affiliates, call centre companies, real estate agents and websites and may pay fees to these parties for referring you to us. These referral fees are generally small amounts. There is no fee payable by you for the referral. Upon request, you can obtain a reasonable estimate of the amount of commission or referral fees and how it is worked out.

Referrals by us

We may also provide you with a referral to third parties who provide a range of services (for example, services ancillary to your property acquisition such as conveyancing or buyer’s agents services, or services ancillary to a property sale such as a vendor’s agent). There is no obligation for you to proceed with any third party to whom we may refer you.

If you elect to proceed with the services offered by a third party that we have referred you to, we may receive a referral fee from that third party. Referral fees are in accordance with usual business practice and amounts are generally not known until you have obtained the service from the third party. Upon request, we can provide a reasonable estimate of the referral fee that we may obtain if you proceed with the service and how that amount is calculated.

Dispute resolution and complaints

Whilst we always strive to provide the best possible service, we understand there may be times where you are not satisfied. If this occurs and you wish us to do something about it, we have a formal process in place to address your concerns.

Internal Dispute Resolution

If you do have a complaint, please contact us at complaints@lendigroup.com.au or by using the phone number or postal address at the start of this document. You may do this verbally or in writing. Please try to explain the details of your complaint as clearly as you can and include as much relevant information or supporting documents as possible.

Alternatively, you can also fill out the complaint form at www.aussie.com.au/get-in-touch/

When we receive a complaint, we will acknowledge it by the following business day and try to resolve it as soon as we can. We will provide you with a formal written response to your complaint via email or post within 30 days.

External Dispute Resolution

If you are not satisfied with our response or how we have handled your complaint, you may make a formal complaint to our external dispute resolution (EDR) scheme, the Australian Financial Complaints Authority (AFCA), which can be contacted on:

Time limits may apply to complain to AFCA, so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.

Things you should know

We don't make any promises about the value of any property you finance through us or its future prospects. You should always rely on your own enquiries.

We don't provide legal or financial advice. It is important you understand your legal obligations under the loan and the financial consequences. If you have any doubts, you should obtain independent legal and financial advice before you enter any loan contract.

Privacy

We are committed to protecting your privacy. We use the information you provide to assist you with your credit needs. We do not trade, rent or sell your information. If you don't provide us with full information, we can't properly advise or assist you. You can check the information we hold about you at any time.

For more information, please see our Privacy Policy which can be found on our website(https://www.aussie.com.au/about-us/privacy/) or ask us for a copy. For further details on your privacy rights, please visit https://www.oaic.gov.au

Questions?

If you have any questions about this Credit Guide or anything else, just ask as we are here to help you.