Disclaimer
Last updated: January 2026
Important: The information on this website is general in nature and has been prepared without taking into account your objectives, financial situation, or needs. Before acting on any information, you should consider its appropriateness having regard to your own objectives, financial situation, and needs.
Lead Generation Service
Home Loan Broker Ballarat is a lead generation service that connects consumers with licensed mortgage brokers. We are not a mortgage broker, lender, or financial advisor. We do not provide credit advice or financial products directly.
When you submit an enquiry through our website, your information is shared with one or more mortgage brokers in our network. These brokers operate independently under their own Australian Credit Licence or as Credit Representatives.
No Financial Advice
The content on this website is for general information purposes only and does not constitute:
- Financial advice
- Credit advice
- Personal advice
- A recommendation to acquire any financial product
- An offer or invitation to enter into any agreement
You should obtain independent financial advice before making any financial decisions. Consider seeking advice from a licensed financial adviser who can assess your individual circumstances.
Broker Independence
Mortgage brokers connected through our service are independent professionals. They:
- Are not employees or agents of Home Loan Broker Ballarat
- Operate under their own Australian Credit Licence or as Credit Representatives
- Are subject to the Best Interests Duty under the National Consumer Credit Protection Act 2009
- Must provide you with a Credit Guide before providing credit assistance
Any services, advice, or recommendations provided by a broker are their responsibility, not ours.
Interest Rates and Loan Products
Any interest rates, loan features, or product information mentioned on this website:
- Are indicative only and subject to change without notice
- May not reflect current market conditions
- Are not an offer of credit or indication of eligibility
- Should be verified with the relevant lender or broker
Loan approval is subject to lender criteria and assessment of your individual circumstances.
Government Schemes
Information about government schemes (such as the First Home Guarantee or stamp duty concessions) is provided for general awareness only. Eligibility criteria, terms, and conditions apply. Schemes may change, close, or have limited places available. Always verify current scheme details with the relevant government authority.
Accuracy of Information
While we strive to ensure the information on this website is accurate and up-to-date, we make no representations or warranties about:
- The accuracy, completeness, or reliability of any information
- The suitability of any information for your particular circumstances
- The results you may achieve from using our services
Third-Party Content
Our website may contain links to third-party websites or reference third-party information. We do not endorse, verify, or accept responsibility for third-party content. Use of third-party websites is at your own risk.
Limitation of Liability
To the maximum extent permitted by law, Home Loan Broker Ballarat excludes all liability for any loss or damage (including indirect, special, or consequential loss) arising from:
- Your use of or reliance on information on this website
- Any services provided by mortgage brokers in our network
- Any delay or failure in connecting you with a broker
- Any decision you make based on information from this website
Complaints
If you have a complaint about a mortgage broker connected through our service, you should first raise it directly with that broker. Mortgage brokers in our network maintain their own licensing credentials and complaints procedures.
Contact Us
If you have questions about this disclaimer, please contact us:
- Email: loans@ballarathomeloanbroker.com.au
- Phone: 03 4052 3863