Website & Service Terms
These Terms of Service govern your use of the Fairbanks Financial Group website and our mortgage broking services. By accessing our website or engaging our services, you agree to these terms.
1. Overview
These Terms of Service ("Terms") are entered into between you ("you", "your") and Consolidated Funding Group Pty Ltd trading as Fairbanks Financial Group (ACN 119 381 832, ACR 481272) ("Fairbanks", "we", "us", "our").
By accessing or using our website at fairbanksfinancial.com.au (the "Website"), submitting an enquiry, or engaging our mortgage broking services, you agree to be bound by these Terms. If you do not agree, please do not use our Website or services.
Fairbanks Financial Group is a credit representative (ACR 481272) of BLSSA Pty Ltd (ACL 391237). We are regulated by the Australian Securities and Investments Commission (ASIC) under the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act).
2. Our Services
Fairbanks Financial Group provides credit assistance services as a licensed mortgage broker. Our services include, but are not limited to:
Home Loans
- Owner-occupied home loans
- Investment property loans
- Construction loans
- First home buyer assistance
- Refinancing and loan restructuring
Commercial & Business
- Business loans and overdrafts
- Commercial property finance
- SMSF lending
- Asset and equipment finance
- Debt consolidation
Advisory Tools
- Borrowing power calculators
- Rate comparison tools
- Stamp duty calculators
- Repayment estimators
- Property equity reports
Fairbanks Intelligence
- Client financial dashboard
- Rate alert monitoring
- Mortgage readiness scoring
- Document vault
- Open banking integration
We act as an intermediary between you and lenders. We do not make lending decisions — all credit decisions are made by the relevant lender. Our role is to assess your needs, research suitable loan options from our panel of 90+ lenders, and assist you in applying for credit.
3. Eligibility
To use our services, you must:
- Be at least 18 years of age
- Be an Australian resident or citizen, or hold an eligible visa (subject to lender requirements)
- Have the legal capacity to enter into a binding agreement
- Provide accurate, complete and up-to-date information when requested
- Not use our services for any unlawful purpose
By using our services, you represent and warrant that you meet these eligibility requirements. We reserve the right to decline to provide services to any person at our discretion.
4. Credit Guide & Regulatory Obligations
As a credit representative under the NCCP Act, we are required to provide you with a Credit Guide before providing credit assistance. Our Credit Guide sets out:
Our Licence Details
Consolidated Funding Group Pty Ltd (ACN 119 381 832) is a credit representative (ACR 481272) of BLSSA Pty Ltd (ACL 391237). We are regulated by ASIC.
How We Are Paid
We receive commission from lenders when a loan is settled. Our service to you is free — the lender you choose pays us, not the other way around. Full remuneration details are disclosed in our Credit Guide and Credit Proposal Disclosure Document.
Our Obligations to You
We are required to act in your best interests, assess whether a loan is "not unsuitable" for you, and provide you with a written credit proposal before submitting an application.
Complaints Process
We have an internal dispute resolution process and are a member of AFCA (Membership No. 48367) for external dispute resolution at no cost to you.
A copy of our Credit Guide is available upon request by emailing hello@fairbanksfinancial.com.au or calling 1300 187 610.
5. General Advice Warning
Because of this, you should consider the appropriateness of any information on this website to your own situation and needs before taking any action. The information on this website should not be relied upon for the purposes of entering into any legal or financial commitments.
Specific financial advice should be obtained from a suitably qualified professional before adopting any financial strategy. If any financial product has been mentioned, you should obtain and read a copy of the relevant Product Disclosure Statement (PDS) and consider the information contained within that Statement with regard to your personal circumstances, before making any decision about whether to acquire the product.
You can obtain a copy of the relevant PDS by emailing hello@fairbanksfinancial.com.au or by calling 1300 187 610.
Fairbanks Financial Group (ACR 481272) is a credit representative only and does not hold an Australian Financial Services Licence (AFSL). We do not provide financial product advice as defined under the Corporations Act 2001 (Cth).
6. Rates & Indicative Figures
Interest rates, comparison rates, repayment figures and other financial data displayed on this website are indicative only and are subject to change without notice. They do not constitute an offer of credit.
Interest Rates
Rates shown are indicative only and based on information available at the time of publication. Actual rates offered by lenders will depend on your individual circumstances, credit assessment, loan-to-value ratio (LVR) and the lender's current pricing. The home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances.
Comparison Rate Warning
WARNING: The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years. This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
Calculator Outputs
Borrowing power estimates, repayment calculations and stamp duty figures generated by our online tools are indicative only. They are not a credit assessment, pre-approval or guarantee of borrowing capacity. Results may vary based on lender policies, your actual financial position and changes in interest rates.
You may not qualify for a particular product, the product may not include all the features relevant to you, and not all products are available in all states and territories. Credit criteria, conditions, fees and charges apply.
7. Fees & Remuneration
Our mortgage broking service is provided to you at no direct cost. We are remunerated by lenders in the form of commissions when a loan is settled. This means:
Upfront Commission
A one-time payment from the lender, typically calculated as a percentage of the loan amount (usually 0.55%–0.77% incl. GST), paid upon settlement of your loan.
Trail Commission
An ongoing annual payment from the lender, typically 0.15%–0.20% p.a. incl. GST of the outstanding loan balance, paid for the life of the loan while it remains on our books.
Full details of our remuneration, including any referral fees or other benefits received, will be disclosed in our Credit Guide and Credit Proposal Disclosure Document provided to you before we submit a loan application on your behalf.
8. Intellectual Property
All content on this Website — including text, graphics, logos, images, calculators, tools, data and software — is the property of Consolidated Funding Group Pty Ltd or its content suppliers and is protected by Australian and international copyright laws.
You may access and use the Website for personal, non-commercial purposes only. You must not:
- Reproduce, distribute, modify or create derivative works from any content on this Website without our prior written consent
- Use any data mining, robots, scraping or similar data gathering tools on this Website
- Frame or mirror any part of this Website without our express written permission
- Remove or alter any copyright, trademark or other proprietary notices
- Use our brand name, logo or trademarks without prior written approval
The Fairbanks Financial Group name and logo are trademarks of Consolidated Funding Group Pty Ltd. All rights reserved.
9. Limitation of Liability
To the maximum extent permitted by law, Fairbanks Financial Group excludes all liability for any loss or damage (including direct, indirect, consequential, special or incidental loss) arising from:
- Your use of, or inability to use, this Website or our services
- Reliance on any information, tools or calculators on this Website
- Errors, omissions or inaccuracies in the content of this Website
- Interruption, suspension or termination of this Website
- Unauthorised access to or alteration of your data
- Any decision made by a lender in relation to your loan application
Nothing in these Terms excludes, restricts or modifies any right or remedy, or any guarantee, warranty or other term or condition, implied or imposed by any legislation that cannot lawfully be excluded or limited, including under the Australian Consumer Law (ACL).
10. Third-Party Links & Services
This Website may contain links to third-party websites, including lender websites, government portals and financial tools. These links are provided for your convenience only. We do not endorse, control or take responsibility for the content, privacy practices or terms of any third-party website.
Your use of any third-party website is at your own risk and subject to that website's own terms and conditions and privacy policy. We recommend you review those documents before providing any personal information to a third party.
We may use third-party service providers to operate parts of our Website or services (including analytics, CRM, open banking and communication tools). These providers are bound by confidentiality obligations and data processing agreements consistent with our Privacy Policy.
11. Privacy
Your privacy is important to us. The collection, use and disclosure of your personal information is governed by our Privacy Policy, which forms part of these Terms and is incorporated by reference.
By using our Website or services, you consent to the collection and use of your personal information as described in our Privacy Policy. We comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
For privacy enquiries, please contact our Privacy Officer at privacy@fairbanksfinancial.com.au.
12. Complaints & Disputes
We are committed to resolving any concerns or complaints promptly and fairly. If you have a complaint about our services or this Website, please follow the process below:
Step 1 — Internal Dispute Resolution (IDR)
Contact us at complaints@fairbanksfinancial.com.au or 1300 187 610. We will acknowledge your complaint within 24 hours and aim to resolve it within 30 days.
Step 2 — External Dispute Resolution (AFCA)
If you are not satisfied with our response, you may escalate your complaint to the Australian Financial Complaints Authority (AFCA) — AFCA Membership No. 48367. Contact AFCA at www.afca.org.au or 1800 931 678 (free call). AFCA's service is free to consumers.
Step 3 — Regulatory Bodies
For regulatory complaints, you may also contact ASIC at www.asic.gov.au or the OAIC (for privacy matters) at www.oaic.gov.au.
13. Governing Law
These Terms are governed by the laws of New South Wales, Australia. You and Fairbanks Financial Group submit to the non-exclusive jurisdiction of the courts of New South Wales and the Federal Court of Australia.
If any provision of these Terms is found to be invalid, illegal or unenforceable, that provision will be severed from these Terms and the remaining provisions will continue in full force and effect.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
14. Changes to These Terms
We may update these Terms from time to time to reflect changes in our services, legal requirements or for other operational reasons. When we make material changes, we will:
- Update the "Last Reviewed" date at the top of this page
- Place a notice on our Website for 30 days where changes are significant
Your continued use of our Website or services after any changes to these Terms constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
Current version: April 2026 | Previous version: Available on request
15. Contact Us
For any questions about these Terms of Service, please contact us:
Regulatory Information
Consolidated Funding Group Pty Ltd t/as Fairbanks Financial Group | ACN 119 381 832 | ACR 481272 | FBAA m-330508 | AFCA #48367
Credit representative of BLSSA Pty Ltd (ACL 391237) | ASIC regulated | 201/28 Chandos St, St Leonards NSW 2065