Last updated: July 2026 · Reviewed by John Pierre Saliba, Director and Mortgage Broker, MFAA Accredited
About This Credit Guide
This Credit Guide is provided by Lend & Loan (ACL 511092) as required under the National Consumer Credit Protection Act 2009. It contains important information about our credit services, how we are remunerated, our complaints process and your rights as a consumer.
Who We Are
Lend & Loan
Level 35, 100 Barangaroo Avenue, Barangaroo NSW 2000
Phone: 02 8046 3933
Email: info@lendloan.com.au
ACL: 511092
Responsible Manager: John Pierre Saliba
Credit Services We Provide
We provide credit assistance in relation to home loans, investment loans, construction loans, SMSF loans, commercial loans and related credit products. We compare loan products from our panel of 50+ lenders and recommend the loan that is in your best interests.
How We Are Paid
Our services are free to you as a borrower. We are paid by lenders in the form of:
- Upfront commission: Typically 0.5–0.6% (plus GST) of the loan amount, paid by the lender when your loan settles.
- Trail commission: Typically 0.15% per annum (plus GST) of the outstanding loan balance, paid monthly by the lender while you hold the loan.
Both upfront and trail commission rates vary by lender. All commissions are fully disclosed in your Credit Proposal before you proceed. Under the Best Interests Duty, we cannot recommend a loan primarily because it pays a higher commission, our recommendation must be genuinely in your best interests.
Our Obligations to You
As an Australian Credit Licensee, we are required to:
- Act in your best interests (Best Interests Duty, effective 1 January 2021)
- Prioritise your interests where a conflict exists between our interests and yours (Conflict Priority Rule)
- Not recommend a loan that is unsuitable for your circumstances
- Make reasonable enquiries about your financial situation, needs and objectives
- Provide you with a Credit Proposal Disclosure document before we arrange credit on your behalf
- Maintain adequate financial, dispute resolution and professional indemnity arrangements
Complaints and Dispute Resolution
If you have a complaint about our services, please contact us in the first instance:
- Email: info@lendloan.com.au
- Phone: 02 8046 3933
- Address: Level 35, 100 Barangaroo Avenue, Barangaroo NSW 2000
We will acknowledge your complaint within 1 business day and respond within 30 days. If you are not satisfied with our response, you may escalate your complaint to the Australian Financial Complaints Authority (AFCA):
- Website: afca.org.au
- Phone: 1800 931 678
- Email: info@afca.org.au
AFCA provides free and independent dispute resolution for financial services complaints.
Privacy
We collect personal information to assess your credit requirements and arrange credit on your behalf. Please see our Privacy Policy for full details of how we collect, use, store and disclose your personal information, and your rights under the Privacy Act 1988.
Professional Indemnity Insurance
We hold professional indemnity insurance that meets the requirements under the National Consumer Credit Protection Act 2009 and our MFAA membership obligations.
