02 4978 8600
1300 137 656
About Us   »   Consumer Credit Guide

Consumer Credit Guide

Congratulations on choosing an MFAA (Mortgage and Finance Association of Australia) member to help you arrange your finance needs! The MFAA is Australia’s peak industry body for the mortgage and finance industry. Its members work hard to provide the best possible service and ethical standards.

This document provides information about the services we provide.

We are licensed to arrange loans and leases under the National Consumer Credit Protection Act 2009 (NCCP Act). The NCCP Act regulates the activity of lending, leasing, and finance broking.

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Key Information

Our full Name

Hunter Home Loans Pty Limited
T/A Hunter Business Finance
ACN: 116 566 691
ABN: 43 116 566 691


Suite 5 / 850 Hunter Street, Newcastle West NSW 2302


(02) 4978 8600

Australian Credit
Licence Number


Internal Complaints
Officer Contact Details

Ian Ball
Ph: (02) 4978 8600

External Dispute
Resolution Scheme
Contact Details

COSL (Credit Ombudsman Services Limited) Ph: 1800 138 422

Services we provide

We will help choose a loan or lease which is suitable for your purposes, and assist you to apply for that particular credit contract with a credit provider.

Our panel lenders

We source finance from a panel of financiers. The financiers named below are the financiers with whom we conduct the most business:

  • ANZ
  • Westpac
  • PLAN Lending
  • Adelaide Bank
  • CBA
  • LaTrobe
  • GE Money
  • Service Finance
  • St George
  • Iden Leasing

We will need information from you

Under the NCCP Act, we are obliged to ensure that any loan or principal increase to a loan we help you to obtain or any lease we help you to enter is not unsuitable for you. To decide this, we may need to ask you some questions in order to assess whether the loan or lease is not unsuitable. The law requires us to:

  • make reasonable inquiries about your requirements and objectives;
  • make reasonable inquiries about your financial situation;
  • take reasonable steps to verify that financial situation.

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

  • you could not pay or could only pay with substantial hardship;
  • the credit will not meet your requirements and objectives.

For example, if you can only repay by selling your principal place of residence, it is presumed that the loan will cause substantial hardship unless the contrary is proved. For this reason we must ask you to provide a significant amount of information. It is therefore very important that the information you provide us is accurate.

We must provide you with a copy of our preliminary credit assessment of your application if you ask within 7 years of when we assist you. We are only required to give you a copy of the credit assessment if we give you credit assistance.

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

Fees payable by you

We do not charge you any upfront fees for our services. 

The financier may have an application fee, valuation fee, or other fees which are payable upon settlement of your finance transaction. In some circumstances these fees may be included as part of the loan amount.

Full details of all applicable fees will be provided to you prior to the signing of any finance documents and are only applicable should you proceed with the transaction.

Commissions received by us

We may receive commissions from the lenders and lessors who provide finance for you as our customers. These are not fees payable by you. You may obtain from us information about a reasonable estimate of those commissions and how the commission is worked out.

We also have a volume bonus arrangement in place with ANZ, Westpac, St George and CBA under which those financiers may pay us additional commission depending on the total volume of consumer and commercial business we arrange with them.

Our internal dispute resolution scheme

We hope you are delighted with our services, but if you have any complaints you should notify us by contacting our Complaints Officer by:

or by speaking to any representative of our business who will refer you to the Complaints Officer.

You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing.

When we receive a complaint, we will attempt to resolve it promptly. We hope that in this way we will stop any unnecessary and inappropriate escalation of minor complaints.

Our external dispute resolution scheme

If we do not reach agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme. Our external dispute resolution provider is specified above. External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints.

You can obtain further details about our dispute resolution procedures and obtain details of our privacy policy on request.

Things you should know

We don’t provide legal, financial, or taxation advice. It is important you understand your legal and taxation 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.


If you have any questions about this credit guide or anything else about our services, just ask at any time. We’re here to help you.


Download a PDF copy of this document


Consumer Credit Guide – Revised March 2014


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1300 137 656

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