Terms & Conditions

1. General information only

The information on this website is of a general nature only and does not constitute financial, legal, or taxation advice. It has been prepared without taking into account your personal objectives, financial situation, or needs. Before acting on any information on this website, you should consider its appropriateness to your circumstances and seek independent professional advice.

2. ASIC regulation and credit services

WeBroke holds an Australian Credit Licence (ABN 53 695 861 33) issued by the Australian Securities and Investments Commission (ASIC). Our credit services are regulated under the National Consumer Credit Protection Act 2009 (NCCP Act). We act as a credit intermediary and do not provide credit directly.

3. Interest rates and product information

Interest rates, comparison rates, and product information displayed on this website are indicative only and subject to change without notice. Rates are current as at the date of publication but may have changed since. Comparison rates are calculated based on a loan of $150,000 over a term of 25 years and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. All loan applications are subject to lender credit assessment and approval.

4. Calculator results

The calculators on this website provide indicative estimates only. Results are based on the information you enter and simplified assumptions. They do not constitute financial advice and should not be relied upon as an accurate prediction of loan repayments, borrowing capacity, stamp duty, or savings. Actual results will depend on your individual circumstances, lender assessment, and applicable fees and charges.

5. Commissions and remuneration

WeBroke may receive commissions from lenders when a loan application is approved and settled. These commissions are paid by the lender and do not represent an additional cost to you. We are required to disclose commissions under the NCCP Act and our Credit Guide. We act in your best interests in accordance with our best interests duty obligations.

6. Limitation of liability

To the maximum extent permitted by law, WeBroke excludes all liability for any loss or damage (including direct, indirect, consequential, or incidental loss) arising from your use of this website or reliance on any information contained herein. This includes but is not limited to loss of profits, loss of data, or business interruption. Nothing in these terms limits any rights you may have under the Australian Consumer Law.

7. Intellectual property

All content on this website, including text, graphics, logos, images, and software, is the property of WeBroke or its content suppliers and is protected by Australian and international copyright laws. You may not reproduce, distribute, or create derivative works without our express written permission.

8. Third-party links

This website may contain links to third-party websites. These links are provided for convenience only. WeBroke does not endorse or take responsibility for the content, privacy practices, or terms of any third-party websites.

9. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. Please review our Privacy Policy to understand our practices.

10. Dispute resolution

WeBroke is a member of the Australian Financial Complaints Authority (AFCA), an ASIC-approved external dispute resolution scheme. If you have a complaint that we cannot resolve internally, you may refer it to AFCA at www.afca.org.au or by calling 1800 931 678. AFCA provides free, independent dispute resolution for financial services complaints.

11. Governing law

These Terms and Conditions are governed by the laws of the State of Victoria, Australia. You submit to the non-exclusive jurisdiction of the courts of Victoria and the Commonwealth of Australia for any disputes arising from these terms or your use of our website.

12. Changes to these terms

We may update these Terms and Conditions at any time. The current version will always be available on our website. Continued use of our website after any changes constitutes your acceptance of the updated terms.

13. Contact