Credit disclosure
Credit Guide — Eternity Mortgage Solutions
Credit Guide version: September 2026
Read the Credit Guide
The September 2026 Credit Guide identifies Loans Only Pty Ltd as the licence holder and Rohan Manokaran as your individual credit representative. It explains the credit assistance, fees and commissions, complaint contacts and privacy disclosures.
The Word document is the original supplied through Infynity. The PDF is a readable conversion of the same document. The summary below is a website companion, not a replacement for the Credit Guide or the disclosures provided for your application. Please contact us if you need an accessible copy or an explanation of any section.
1. Who you are dealing with
Eternity Mortgage Solutions is the trading name of The Trustee for Rohan Manokaran Family Trust 2 (ABN 93 534 988 670).
Your individual credit representative is Rohan Manokaran (Credit Representative Number 565110). Rohan provides credit assistance through Eternity Mortgage Solutions and is authorised under Australian Credit Licence Number 561324, held by Loans Only Pty Ltd.
Representative contact: rohan@egaamb.com.au or 0414 825 388.
15 Forest Close, Cherrybrook NSW 2126.
Licensee contact: Peter Mastroianni, peter@loansonly.com, 0427 379 707.
4 Cale Street, Upper Mount Gravatt QLD 4122.
2. Credit assistance and information we need
The Credit Guide explains that, before suggesting or assisting with a loan, reasonable inquiries are made about your requirements, objectives and financial situation, and reasonable steps are taken to verify your financial information. A loan may be unsuitable if repayments cannot be met, can only be met with substantial hardship, or the loan does not meet your requirements and objectives.
Complete and accurate information is important. The guide also explains how you may request a copy of the credit assessment for up to seven years after the assistance. Any loan approval remains subject to the lender’s assessment and criteria.
3. Panel lenders and lender-volume disclosure
The Credit Guide describes sourcing credit products from a panel of lenders. Its September 2026 lender-volume disclosure lists CBA under the lenders with whom the most business is conducted. This is the entry in that version of the guide; it is not a statement that CBA is the only available lender or a recommendation of CBA for your circumstances.
The lenders and products considered for an application depend on the available accreditations, your requirements and lender criteria. Please ask us which options have been considered and why. This website summary does not publish an additional lender count or substitute panel list.
4. Fees, commissions and referral payments
The Credit Guide explains that commissions may be received from the lender that provides your loan. These are not fees payable by you. Details of commission for your application are provided in the Statement of Credit Assistance before applying for finance.
- If a fee is to be charged for credit assistance, it is disclosed in a Credit Quote for your signed acceptance before that assistance is provided.
- Lender application, valuation and other charges may also apply. The guide describes their disclosure before an application.
- Any referral fee or commission paid in relation to your referral is disclosed in the Statement of Credit Assistance.
Please read the original guide for its complete remuneration and referral disclosures, including its additional-commission wording, and ask us about the arrangements relevant to your application. No standard percentage or particular commission is promised by this website summary.
5. Complaints about credit assistance
The Credit Guide identifies the Loans Only Pty Ltd Complaints Manager as the internal dispute resolution contact:
Email: hello@loansonly.com
Telephone: 1800 084 010
In writing: 4 Cale Street, Upper Mount Gravatt QLD 4122, Australia
You may also contact Rohan for help directing your complaint. If you are not satisfied with the outcome, you may refer the matter to the Australian Financial Complaints Authority (AFCA), a free and independent dispute resolution service for financial complaints.
AFCA: www.afca.org.au/make-a-complaint
Email: info@afca.org.au
Telephone: 1800 931 678
See our complaints page for the separate credit and accounting complaint pathways.
6. Privacy and overseas disclosure
The Credit Guide explains the collection and use of personal and financial information for broking services and the types of organisations with whom it may be exchanged. It refers to overseas associates, contractors and outsourcing partners, including some in the Philippines, and explains access and correction requests.
Read the guide together with the Loans Only privacy policy and our website Privacy Policy. Website analytics and enquiry handling are described separately in our policy; the mortgage guide is not a description of every accounting-business information flow.
7. Separate accounting and credit services
Eternity Group Accountants and Eternity Mortgage Solutions are separately operated businesses sharing this website. Accounting services and credit assistance are separate engagements.
The mortgage Credit Guide does not establish an accounting engagement or replace the scope and fees agreed for accounting work. Our Terms of Use and credit-representative explainer describe the distinction. General website information is not personal financial, tax or legal advice.