Credit Guide

About This Credit Guide

This Credit Guide provides information about the services we offer as a credit representative under the National Consumer Credit Protection Act 2009 (NCCP Act).

The NCCP Act regulates the provision of credit assistance and ensures that credit is not unsuitable for consumers.

Licensee Details

Matched Finance is a credit representative of:

Outsource Financial Pty Ltd
ABN 42 131 090 705
Australian Credit Licence (ACL) 384324
406/19 Roseby Street, Drummoyne NSW 2047
Phone: 1300 781 481
Email: info@outsourcefinancial.com.au

Credit Representative Details

Matched Finance
Credit Representative: Jack Connor Beeck Olden
Credit Representative Number: 559239
Address: Unit 11, 123C Colin Street, West Perth WA 6005
Phone: 0406 279 876
Email: jack@matchedfinance.com.au

Our Services

We provide credit assistance in relation to:

• Home loans
• Investment loans
• Construction finance
• Personal loans
• Asset and vehicle finance

We source credit products from a panel of lenders.

Our most commonly used lenders include:

Macquarie, UBank, Bankwest, CBA, Pepper and Bendigo.

Responsible Lending Obligations

Under the NCCP Act, we must ensure that any credit we assist you to obtain is not unsuitable.

This means we must:

• Make reasonable inquiries about your requirements and objectives
• Make reasonable inquiries about your financial situation
• Take reasonable steps to verify your financial information

Credit will be considered unsuitable if:

• You would be unable to meet repayments without substantial hardship; or
• The credit does not meet your stated requirements and objectives.

You may request a copy of your preliminary credit assessment within seven (7) years of receiving credit assistance.

Fees and Charges

Outsource Financial Pty Ltd does not charge fees for credit assistance.

However, in some circumstances, Matched Finance may charge a service fee. Any such fee will be clearly disclosed to you in writing prior to proceeding.

You may also be required to pay lender fees, valuation fees, government charges or other transaction costs directly to the lender.

Commissions

We may receive commissions from lenders where finance is arranged.

These commissions:

• Are paid by the lender
• Are not an additional cost to you
• May include upfront and trail commissions

You may request information about a reasonable estimate of commissions payable in relation to your loan.

Referral Arrangements

We may pay or receive referral fees from other professionals such as accountants, real estate agents or financial advisers.

These arrangements are disclosed where applicable and are not additional costs payable by you.

Dispute Resolution

If you have a complaint, you may contact:

Matched Finance
Phone: 0406 279 876
Email: jack@matchedfinance.com.au

Or contact our licensee:

Outsource Financial Pty Ltd
Phone: 1300 781 481
Email: info@outsourcefinancial.com.au

We will acknowledge your complaint within 2 business days and aim to resolve it promptly.

If your complaint is not resolved to your satisfaction, you may contact:

Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Website: www.afca.org.au
Mail: GPO Box 3, Melbourne VIC 3001

AFCA provides an independent and free dispute resolution service.