Terms & Conditions

1. Acceptance of these terms

These terms and conditions apply to your use of this website, operated by Shoreline Broking Pty Ltd (ABN 36 453 793 582, "Shoreline Broking", "we", "us" or "our"). By browsing this website, using its calculators, or submitting the contact form, you accept these terms. If you don't agree with them, please don't use this website.

These terms don't form part of, and don't replace, the terms of any credit assistance agreement, Credit Guide or Privacy Policy that applies once you engage us as a client.

2. General information only

The content on this website is general information only. It doesn't take into account your personal objectives, financial situation or needs, and it isn't a substitute for personalised credit assistance or financial advice. Before acting on anything you read here, you should consider whether it's appropriate to your circumstances and, where relevant, speak with us directly.

Nothing on this website constitutes an offer of credit, a pre-approval, or a promise that any particular loan or lender will be available to you. Terms, conditions, fees and charges may apply to any product mentioned or referred to. Normal lending criteria apply, and all applications are subject to lender approval.

3. Calculators and tools

The calculators on this website (Borrowing Capacity, Refinance Feasibility, Loan Repayment, Stamp Duty and Purchasing Power) are provided for illustration only. Each uses simplified assumptions — noted under its results — and doesn't replicate any specific lender's servicing calculator, HEM benchmarks or credit assessment process.

Results from these calculators are an indication only. They don't represent a quote, a pre-qualification, or advice tailored to your situation. Please get in touch with us before making any decision about a loan, so we can give you advice that accounts for your actual circumstances.

4. Accuracy of content

We take reasonable care to keep this website accurate and up to date, but we don't warrant that it is complete, current or without error. Rates, fees, government schemes and lending policy referred to on this site are subject to change without notice — always confirm current details with us or the relevant lender before relying on them.

5. Intellectual property

The content of this website — including text, graphics, logos and the Shoreline Broking name and branding — is owned by or licensed to Shoreline Broking Pty Ltd and is protected by copyright and other intellectual property laws. You may view and print pages for your own personal, non-commercial use, but you may not reproduce, republish or distribute any part of this website without our prior written consent.

6. Links to other websites

This website may link to third-party websites, including lenders, AFCA and government agencies, for your convenience. We don't operate or control those websites and aren't responsible for their content, accuracy or privacy practices. Links don't imply our endorsement of the linked site.

7. Limitation of liability

To the extent permitted by law, Shoreline Broking Pty Ltd excludes all liability for any loss or damage arising from your use of, or reliance on, this website — including its calculators — except where that liability cannot be excluded by law (such as under the Australian Consumer Law).

Nothing in these terms limits any right or protection you have under the National Consumer Credit Protection Act 2009 or other applicable consumer protection legislation.

8. Privacy

Our Privacy Policy explains how we collect, use, disclose and protect your personal information, including information you provide through this website's contact form and calculators.

9. Changes to these terms

We may update these terms from time to time. The current version will always be available on this website, with the date it was last updated shown at the top of this page. Continuing to use this website after an update means you accept the revised terms.

10. Governing law

These terms are governed by the laws of New South Wales, Australia, and you submit to the non-exclusive jurisdiction of its courts.

11. Contact us

If you have a complaint rather than a general enquiry, please see our Complaints & Disputes page.

This is a template set of website terms and conditions prepared as a starting point for Shoreline Broking. Have it reviewed by a qualified compliance consultant or lawyer before publishing, alongside the other legal pages on this site.