Credit Guide — Eternity Mortgage Solutions

This Credit Guide is provided to you in accordance with section 113 of the National Consumer Credit Protection Act 2009 (NCCP Act). It contains information about the credit assistance services we provide, our remuneration, conflicts of interest, and our internal and external dispute resolution arrangements.

Rohan Manokaran (Mr Rohan Manokaran, Credit Representative Number 565110) is authorised to engage in credit activities under Australian Credit Licence Number 561324, held by Loans Only Pty Ltd.

Trading as Eternity Mortgage Solutions (ABN 93 534 988 670).

For a plain-English explanation of what a credit representative is and who holds the licence, see our guide on what a credit representative means.

Office: 15 Forest Close, Cherrybrook NSW 2126
Phone: 0414 825 388
Email: rohan@egaamb.com.au

Loans Only Pty Ltd (ACL 561324) holds the Australian Credit Licence under which Rohan Manokaran is authorised to provide credit assistance.

Licensee contact: Peter Mastroianni
Email: peter@loansonly.com
Phone: 0427 379 707
Address: 4 Cale Street, Upper Mount Gravatt QLD 4122

• Suggest you apply, or assist you in applying, for a particular credit contract with a particular credit provider.
• Suggest a particular credit contract is suitable, or unsuitable, for you.
• Provide credit assistance in relation to home loans, investment loans, refinancing, commercial loans, SMSF property loans (LRBAs), construction loans, and equipment finance.

We work with a panel of more than 30 lenders, including:

ANZ · Commonwealth Bank · NAB · Westpac · Macquarie · ING · St. George · Bank of Melbourne · Suncorp · BankSA · Bankwest · Bank of Queensland · ME Bank · AMP · Citi · HSBC · Resimac · La Trobe · Liberty · Pepper Money · Bluestone · Adelaide Bank · Heritage Bank · MyState · Auswide · Bendigo Bank · Defence Bank · Police Bank · Beyond Bank · Teachers Mutual Bank · Greater Bank · Newcastle Permanent.

Listed in alphabetical order. Indicative only and updated annually. Specific volume disclosure is available on request at the time of recommendation in our Credit Proposal Disclosure document.

We are paid commission by the lender when your loan settles. There is no cost to you. The two types of commission are:

• Upfront commission — typically 0.55%–0.66% (plus GST) of the loan amount, paid at settlement.
• Trail commission — typically 0.15%–0.22% (plus GST) per annum on the outstanding loan balance, paid monthly while the loan remains active.

Exact rates vary by lender and product. The specific commissions for the loan we recommend to you are disclosed in writing in our Credit Proposal Disclosure document before you apply.

Nil. Eternity Mortgage Solutions does not charge fees to borrowers for credit assistance services.

We do not own any of the lenders on our panel, and no lender owns or controls us. We are paid commission by the lender. This could create a perceived conflict of interest because lenders pay different commission rates.

We manage this by complying with the Best Interests Duty under the NCCP Act: we must recommend the credit contract that is in your best interests, regardless of commission. The reasoning behind every recommendation is documented in your file and provided to you in writing.

If you have a complaint, please contact us first so we can resolve it:

Rohan Manokaran
Email: rohan@egaamb.com.au
Phone: 0414 825 388

We respond to all complaints within 30 days. For a full description of how we handle complaints — including the internal and external dispute resolution steps — see our complaints page.

If you are not satisfied with our response, you may contact the Australian Financial Complaints Authority (AFCA), our external dispute resolution scheme:

Phone: 1800 931 678
Website: www.afca.org.au
Member numbers: 111743 (individual) and 111742 (company)

AFCA provides fair and independent financial services complaint resolution that is free to consumers.

Loans Only Pty Ltd (ACL 561324) holds professional indemnity insurance that covers credit activities undertaken by its authorised credit representatives, including Rohan Manokaran, in compliance with section 48 of the National Consumer Credit Protection Regulations 2010.

Information we collect from you is handled in accordance with our Privacy Policy, the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2014.