Understanding our mortgage broking services and how we can help you
This Credit Guide provides important information about the credit services we offer. It includes:
Trading as Counting Beans Finance
Principal Mortgage Broker
We can provide you with credit assistance in relation to:
Owner-occupied and investment
Restructure existing loans
Build your dream home
Business property loans
Self-Managed Super Fund property
For various purposes
We work with a broad panel of lenders including major banks, regional banks, credit unions, and specialist lenders to find credit products that may suit your needs and circumstances.
We have access to products from a broad panel of lenders including:
A detailed list of our current lender panel is available upon request.
We believe in transparency. We may be remunerated by the lender whose product you choose:
We may receive a commission from the lender, typically between 0.15% and 0.75% of the loan amount when your loan settles.
We may receive ongoing commission, typically between 0.10% and 0.275% per annum of the outstanding loan balance while your loan remains active.
In some cases, we may charge you a fee for our services. This will be disclosed and agreed upon before proceeding.
Important: The lender pays us these commissions. You do not pay us for credit assistance unless we agree on a fee-for-service arrangement in advance.
If you apply for a loan through us, you will need to provide complete and accurate information about your financial situation. It is important that you:
Provide truthful and accurate information
Disclose all your current financial commitments
Read and understand all loan documents before signing, including the lender's terms and conditions
Ensure you can afford the repayments for the loan term
We collect personal information to assess your credit needs and provide credit assistance. We may share this information with lenders, mortgage insurers, and other service providers.
Read our Privacy PolicyIf you have a complaint about our credit services, please contact us:
We will acknowledge your complaint within 24 hours and aim to resolve it within 30 days.
If you are not satisfied with our response, you can refer your complaint to AFCA:
Let's discuss your home loan needs and find the best solution for you.
