Credit Guide & Dispute Resolution

1. About This Credit Guide

This Credit Guide provides key information about the credit activities and mortgage broking services provided by Gravity Financial Pty Ltd. It explains how we assess loan suitability, how we are remunerated by lenders, and our procedures for handling client inquiries or disputes.

2. Best Interest Rates Commitment

As accredited Australian credit advisors, we are committed to acting in your best interests to secure competitive loan products. We prioritize your financial welfare and present loan recommendations that suit your unique requirements and financial objectives.

3. Fee Structure & Lender Commissions

Gravity Financial does not charge borrowers a fee for standard residential mortgage broking services. Instead, we receive commission payments directly from the credit provider (lender) upon successful loan settlement:

• Upfront Commission: Paid once upon loan settlement (typically between 0.50% and 0.70% of the loan amount).
• Trail Commission: Paid monthly over the ongoing life of the loan (typically between 0.15% and 0.20% per annum of the outstanding balance).

Full transparency of all expected commission amounts is disclosed in writing in your Credit Proposal Disclosure document prior to application lodgment.

4. Internal & External Dispute Resolution

We are committed to delivering high-quality advice. If you have a complaint, please contact our Complaints Officer at admin@gravityfinancial.com.au. We will investigate and respond within 30 days.

If you remain dissatisfied, you can refer the matter to the Australian Financial Complaints Authority (AFCA):