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Terms of Service

Last updated: January 2026

Welcome to Home Loan Broker Ballarat. By accessing or using our website, you agree to be bound by these Terms of Service. Please read them carefully before using our services.

1. Service Description

Home Loan Broker Ballarat operates as a lead generation service that connects consumers seeking home loan assistance with licensed mortgage brokers. We do not provide credit advice, mortgage broking services, 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 who may contact you to discuss your home loan requirements.

2. Eligibility

To use our services, you must:

3. No Financial Advice

The information provided on this website is general in nature and does not constitute financial advice. It does not take into account your personal objectives, financial situation, or needs.

Before making any financial decisions, you should consider seeking independent financial advice and review any relevant Product Disclosure Statements (PDS) and Target Market Determinations (TMD).

4. Broker Relationships

Mortgage brokers in our network are independent professionals who operate under their own Australian Credit Licence or as Credit Representatives of a licensee. We do not control or direct their services.

Any agreement you enter into with a mortgage broker is between you and that broker. Home Loan Broker Ballarat is not a party to such agreements and accepts no responsibility for the services provided by third-party brokers.

5. User Obligations

When using our website, you agree to:

6. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Home Loan Broker Ballarat or our licensors and is protected by Australian and international copyright laws.

You may not reproduce, distribute, or create derivative works from our content without prior written consent.

7. Limitation of Liability

To the maximum extent permitted by law, Home Loan Broker Ballarat:

Nothing in these terms excludes or limits liability that cannot be excluded or limited under Australian Consumer Law.

8. Indemnification

You agree to indemnify and hold harmless Home Loan Broker Ballarat, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the website or breach of these terms.

9. Third-Party Links

Our website may contain links to third-party websites. These links are provided for convenience only. We do not endorse or accept responsibility for the content or practices of linked websites.

10. Modifications

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.

11. Termination

We may terminate or suspend your access to our website at any time, without notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties.

12. Governing Law

These Terms of Service are governed by the laws of Victoria, Australia. Any disputes arising from these terms or your use of the website will be subject to the exclusive jurisdiction of the courts of Victoria.

13. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

14. Contact Information

For questions about these Terms of Service, please contact us: