Credit Guide

This Credit Guide provides important information about the services offered by Capital Avenue and how we assist you in obtaining credit. It also explains how we are paid for our services and how you can contact us if you have questions or concerns.

Our Services

Capital Avenue provides mortgage and finance broking services. We help individuals and businesses find suitable loan products by working with a panel of lenders. Our role is to understand your financial situation and objectives, then recommend loan options that best match your needs.

We will guide you through the loan application process, assist with preparing the necessary documentation, and communicate with lenders on your behalf to help secure a suitable finance solution.

Our Responsible Lending Commitment

Before recommending a loan, we will take reasonable steps to understand your financial situation, requirements, and objectives. We will also assess whether the recommended credit product is appropriate for you.

This process may include reviewing your income, expenses, assets, liabilities, and credit history to ensure the loan is suitable and affordable.

Fees and Commissions

In most cases, Capital Avenue is paid a commission by the lender when your loan is settled. This may include an upfront commission and an ongoing trail commission for as long as the loan remains active.

You will be informed if any fees are payable by you before we provide our services. Full details about commissions and fees will be disclosed in the Credit Proposal Disclosure document provided to you.

Our Lender Panel

Capital Avenue works with a panel of banks, lenders, and financial institutions. We consider a range of products from these lenders when recommending a suitable loan for you. The lenders we work with may change from time to time.

Your Rights

You have the right to ask questions about the credit products we recommend and request further information about why a particular loan has been suggested. You are also entitled to receive a written Credit Proposal Disclosure before entering into a loan agreement.

Contact Information

If you would like more information about our services or this Credit Guide, please contact us.