Credit Guide
A credit guide provides preliminary information to borrowers on their loan journey.
Abdallah El-Dib of FAST REPAY HOME LOAN is licensed under the National Consumer Credit Protection Act 2009. The details of our licence are as follows:
Address 1/2 Garden Road, CLAYTON VIC 3168
Telephone: 1300 707 955
Australian Credit License Number 473315 CUSTOMER FIRST CHARTER
Our priority is you, our customer. We place your financial needs above those of any lender, our company, or our aggregator, Connective. Our duty is to ensure you obtain a loan that is appropriate (in terms of loan amount and structure), affordable, suitable for your needs and requirements, and delivered in a responsible manner that provides you with a good outcome. We will be transparent about products, options, and applicable fees and charges. We will communicate in simple, easy-to-understand language and act with the highest standards of integrity. We are committed to ensuring that the selected product meets your needs and requirements at the time of providing credit assistance.

This Credit Guide contains important information about us, the services we provide, and the activities of the credit representative operating under our credit license. It also contains:
• Information about fees and charges that may be payable by you to us
• Commissions that we may receive when we are acting as a credit representative
• Commissions that we may pay to third parties for business introductions, and information on what to do if you have a complaint or dispute about our services and activities

We are required to provide this document 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 in applying for: a. a particular loan with a particular lender; b. an increase to an existing loan with a particular lender; or when we recommend that you remain in an existing loan contract PRELIMINARY ASSESSMENT

Prior to providing credit assistance to you, we must assess whether the particular loan is "unsuitable." A loan will be "unsuitable" based on the information you provided to us if:
1. You will be unable to repay the proposed loan or will only be able to repay the proposed loan with substantial hardship, or
2. The proposed loan does not meet your requirements and objectives

We are required to document our findings that the proposed loan is not unsuitable by way of completing a Preliminary Assessment. The Preliminary Assessment will set out your:
• requirements and objectives
• financial and relevant personal situation, and
• ability to repay the proposed loan

We are also required to take reasonable steps to verify the information provided to us by you. This verification may include:
• requesting copies of documents that demonstrate your financial situation. In some cases, we may also need to see the original documents, and
• contacting third parties to assist in verifying the information that you provide

Obtaining a copy of the Preliminary Assessment
If we provide you with credit assistance, you may request a copy of our Preliminary Assessment anytime for up to 7 years, and we must provide you with a copy of the assessment within the following timeframes:

We will give you your assessment:
As soon as possible after we receive your request
Within 7 business days after we receive your request
Within 21 business days after we receive your request

Your request is made: Before the Credit Day*
Up to 2 years after the Credit Day
Between 2 to 7 years after the Credit Day

*The Credit Day is the date the credit contract is settled, or the credit limit is increased.
There is no charge for requesting or receiving a copy of the Preliminary Assessment.

Fees and charges that are payable by you in relation to our credit assistance
We may charge a fee for providing credit assistance to you. If applicable, details about those fees payable by you will be set out in a Credit Quote which we will give you prior to submitting your loan application.

Other fees and charges
You may have to pay other fees and charges (such as application fees, valuation costs, and other applicable fees) to the lender or other parties. You should review the particular loan contract documentation for further details of any such fees and charges.

How do I get paid? Our aggregator receives commission from the lenders and then pays us commission in relation to loan contracts (such as home and investment property loans) for providing credit assistance. An upfront commission is payable by lenders in relation to settled (drawn-down) loans and is calculated as a percentage of the loan amount. It is usually paid after settlement of the loan. Trail commission is payable by lenders in relation to settled (drawn-down) loans. It is calculated monthly on the outstanding loan balance and is paid in arrears. The upfront and trail commissions that we are paid by lenders are not payable by you. Details of the commission to be received will be included in the Credit Proposal Disclosure document that we will provide you with when credit assistance is provided. From time to time, I may receive a non-commission benefit by way of training, professional development, entertainment, gift, conference attendance, sponsorship, or entry into a competition run by a lender or my aggregator, at no extra cost to you. The nature of such arrangements is temporary, and the occurrence and amounts are often not readily ascertainable; however, if they are apparent as a result of assisting you with credit assistance, this will be disclosed to you.

We are authorised to engage in credit activities and, therefore, provide assistance to obtain loans for you from a panel of credit providers. The following are the credit providers through which we generally conduct the most business:
1. Bankwest
2. ME Bank
3. ING
4. St. George Bank
5. ANZ
6. Connective HL Essentials by Advantedge

Our aggregator
We have approval to utilise credit providers and their loan products through the services of our aggregator ‘Connective Broker Services Pty Ltd ABN 77 161 731 111, Credit Representative 437202 is authorised under Australian Credit License 389328’. The aggregator charges us a fee depending on our contract arrangements, consisting of:
• a share of commission that is paid by the particular credit provider
• a membership fee for our business
• a monthly fee for each of our accredited loan writers.
Macquarie Bank Limited has a minority, non-controlling interest in Connective Broker Services Pty Ltd. Commissions paid by Connective’s lender panel and are transparent and do not influence the broker or consumer choice. Connective is committed to quality consumer outcomes in all circumstances.

Referrers and referral fees
We obtain referrals from a range of sources, including accountants, financial planners, real estate agents, and other people. If you were introduced or referred to us, we may pay the referrer a commission or a fee.
Details of any commissions or fees being paid to the referrer will be included in the Credit Proposal Disclosure document.

We are committed to providing you with the best possible service; however, we understand there may be times when you are not satisfied. If this occurs, please inform us verbally or in writing with the exact details of your complaint, so we can work towards a prompt and fair resolution. We are mindful of the need to ensure that consumers are treated fairly and with respect during the complaint handling process. Any dissatisfaction will be handled in an efficient, timely, and effective manner in accordance with ASIC regulations of Internal Dispute Resolution (IDR). We hope that you will be satisfied with how we deal with your complaint. However, if your concerns remain unresolved or you have not heard from us within 45 days, you can have your complaint heard by an independent party. The complaint can be lodged with the Australian Financial Complaints Authority (AFCA):
Phone: 1800 931 678 (free call)
Mail: Australian Financial Complaints Authority
GPO Box 3, Melbourne VIC 3001

Time limits may apply to complaints 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.
We don’t provide legal or financial planning advice. It is important that you understand your legal obligations under the loan and the financial consequences. If you have any doubts, you should obtain independent legal and financial planning advice before you enter into any loan contract.

We are committed to protecting the privacy of your personal information. Our Privacy Policy governs how we collect, handle, use, and disclose your personal information. It also deals with how you can access the personal information we hold about you, ask us to correct it, or make a privacy-related complaint. This policy explains how we respect your right to privacy in accordance with the Australian Privacy Principles contained in the Privacy Act (Cth).
What information do we collect, and how do we use it?
We will collect personal information when we do business with you. This may include a broad range of information, from your name, address, and contact details to other information about your qualifications, employment history, and financial information.

If you choose not to supply any of the information we request, our ability to assist you may be limited. We will use your personal information to:
• conduct our business
• manage our business relationships with you and with others, including our Credit Providers
• complete a transaction on your behalf
• provide you with information about our products and services

From time to time, we will use your contact details to send you direct marketing communications, including offers, updates, and newsletters that are relevant to the services we provide. We may do so by mail or electronically, unless you tell us that you do not wish to receive electronic communications. You can unsubscribe by notifying us, and we will no longer send information to you.

How do we hold and protect your information?
We strive to maintain the relevance, accuracy, completeness, and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements. The information we collect from you is stored in our secure database. In some cases, your file is archived and sent to an external data storage provider for a period of time. We only use storage providers that are also regulated by the Privacy Act.
We take all reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or exposure. Access to your information is restricted to those employees whose job requires that information. Access to our premises and computer systems is restricted through locks, password protection, internet firewalls, and routers. We will take reasonable steps to destroy or de-identify your personal information when your personal information is no longer required for our business functions.

Will we disclose the information we collect to anyone?
We do not sell, trade, or rent client lists or personal information to any third party. We will disclose personal information about you to our credit providers and agents where it relates to our credit assistance. In all cases, we will only disclose that information that is strictly required and take all reasonable steps to ensure that your personal information is handled in accordance with the Australian Privacy Principles. Otherwise, we will not disclose personal information unless you consent, we are required to do so by law, or under some unusual other circumstances that the Privacy Act permits.

How can you access, update, or correct the information we are holding?
If you believe that we are holding inaccurate, incomplete, irrelevant, or out-of-date data about you, you may ask us to correct it. You can make a request for access to or correction of your personal information by contacting us anytime.
In some limited circumstances, we may need to refuse access to your information or refuse a request for correction. If this is the case, we will advise you as soon as possible after your request and provide you with our reasons for the refusal.

What happens if you are not happy with how your information is handled?
If you have concerns about whether we have complied with the Privacy Act or this Privacy Policy and would like to make a complaint, please contact us. Your complaint will be considered through our internal complaint resolution process, and we will try to respond with a decision as soon as possible.

Your consent
By asking us to assist, you consent to the collection and use of the information you have provided to us for the purposes described above.
For more information on your privacy rights, please visit

For more information regarding this document or anything else about our services, just contact us anytime. We’re here to assist you!

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