Credit Guide

This Credit Guide is an important document that provides you with information about us, our services, and the way we are remunerated. It is designed to help you decide whether to use our credit assistance services. Please read this guide carefully before engaging our services.

1. About Rebus Finance

Rebus Finance is a mortgage broking business operated by David, who acts as a Credit Representative.

Credit Representative Number: 462589

Business Address: 17 Bilba Crescent, Maryland, NSW 2287

Phone: 0417 676 191

Email: info@rebusfinance.com.au

2. What Services Do We Provide?

Rebus Finance provides credit assistance services to consumers and businesses seeking finance. Our services include:

Assessing your financial situation, requirements, and objectives
Researching and comparing loan products from our panel of 40+ lenders
Recommending suitable loan products tailored to your needs
Preparing and submitting loan applications on your behalf
Liaising with lenders, valuers, solicitors, and other parties throughout the process
Providing ongoing loan reviews and refinancing assistance

We provide assistance across a range of lending products, including:

Residential home loans (owner-occupier and investment)
First home buyer loans
Refinancing
Construction loans
SMSF (Self-Managed Super Fund) lending
Commercial and business loans
Vehicle and asset finance
Personal loans
Debt consolidation

3. How Are We Paid?

Our service is provided at no cost to you. Rebus Finance is remunerated by the lender when your loan settles. This means you receive expert advice and assistance without paying any fees to us directly.

We are committed to acting in your best interests regardless of the commission structure of any particular lender. Our recommendations are based on your needs, objectives, and financial situation, not on which lender pays the highest commission.

4. Commission Structure

When your loan settles, we typically receive two types of commission from the lender:

Upfront Commission

This is a one-off payment made by the lender at the time your loan settles. The upfront commission is typically calculated as a percentage of the loan amount, and generally ranges from 0.30% to 0.70% (inclusive of GST) of the loan amount, depending on the lender.

Trail Commission

This is an ongoing payment made by the lender for the life of the loan, typically calculated as a percentage of the outstanding loan balance. Trail commission generally ranges from 0.10% to 0.35% per annum (inclusive of GST) of the remaining loan balance.

You are entitled to request further details about the commissions and fees we may receive in relation to your specific loan. We will provide this information to you in a timely manner upon request.

5. Referral Arrangements

From time to time, we may refer you to other professionals such as financial planners, accountants, solicitors, or insurance providers. If we receive any fee, commission, or benefit for making a referral, we will disclose this to you at the time of the referral. Similarly, if we receive referrals from other parties and pay a referral fee, we will disclose this to you.

6. Your Obligations

When using our services, you are required to:

Provide us with accurate, complete, and up-to-date information about your financial situation
Inform us of any changes to your circumstances that may affect your loan application
Review all loan documentation carefully before signing
Ensure you understand the terms and conditions of any loan product you enter into

7. How to Make a Complaint

If you are dissatisfied with our services, we encourage you to raise the matter with us directly. We take all complaints seriously and are committed to resolving them fairly and promptly.

Step 1: Contact Us Directly

In the first instance, please contact David to discuss your concerns:

Phone: 0417 676 191

Email: info@rebusfinance.com.au

We will acknowledge your complaint within 1 business day and endeavour to resolve the matter within 30 days.

Step 2: External Dispute Resolution

If you are not satisfied with our response, or if your complaint has not been resolved within 30 days, you may escalate the matter to the Australian Financial Complaints Authority (AFCA). AFCA provides a free and independent dispute resolution service for consumers.

Australian Financial Complaints Authority (AFCA)

Website: www.afca.org.au

Email: info@afca.org.au

Phone: 1800 931 678

8. Privacy

Your privacy is important to us. We handle all personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. For full details on how we collect, use, and protect your personal information, please refer to our Privacy Policy.

9. Consent

By engaging our services, you acknowledge that you have read and understood this Credit Guide. You consent to us:

Collecting your personal and financial information for the purpose of assessing and submitting loan applications
Sharing your information with lenders, our aggregator, credit reporting bodies, and other relevant parties as required
Contacting you in relation to your loan application, settlement, and ongoing reviews

Last updated: February 2026

Disclaimer: This Credit Guide is for informational purposes and should be reviewed by a legal professional to ensure compliance with all applicable regulations. Rebus Finance, Credit Representative Number: 462589.