General Information
The information provided on the Mortgage Medics website (“Website”) is for general informational purposes only. While we endeavour to ensure that the information is accurate and up to date, Mortgage Medics makes no representations or warranties, express or implied, regarding the accuracy, completeness, reliability or suitability of any information published on this Website.
The information on this Website should not be relied upon as financial, credit, legal, taxation or other professional advice.
Referral Service Only
Mortgage Medics is an online referral platform that connects consumers with independent, licensed mortgage brokers.
Mortgage Medics is not:
- a lender;
- a credit provider;
- a mortgage broker;
- a credit assistance provider;
- a financial adviser;
- an Australian Credit Licensee (unless otherwise stated); or
- a provider of legal or taxation advice.
Our role is limited to introducing consumers to appropriately qualified independent mortgage brokers.
No Credit or Financial Advice
Nothing on this Website constitutes:
- personal financial advice;
- credit advice;
- a recommendation to refinance;
- a recommendation to apply for a loan;
- legal advice; or
- taxation advice.
Any information published on this Website is general in nature and does not take into account your personal objectives, financial situation or needs.
Before making any financial decision, you should obtain advice from an appropriately licensed professional.
Independent Mortgage Brokers
Mortgage brokers participating in the Mortgage Medics network operate as independent businesses.
Any advice, recommendations, credit assistance or financial services are provided solely by the individual broker.
Mortgage Medics is not responsible for:
- advice provided by a broker;
- loan recommendations;
- lender selection;
- credit assessments;
- application outcomes;
- settlement timeframes;
- broker fees; or
- services performed independently by participating brokers.
Any agreement you enter into with a broker is solely between you and that broker.
No Guarantee of Results
Mortgage Medics does not guarantee that:
- refinancing will reduce your repayments;
- a lower interest rate is available;
- you will qualify for a new loan;
- refinancing is the best option for your circumstances;
- your loan application will be approved;
- lenders will offer particular products or rates;
- savings will be achieved.
Every person’s financial circumstances are different, and lending decisions are made by individual lenders based on their own assessment criteria.
Loan Health Checks
The term “Home Loan Health Check” is used as a general description of a review of your current lending arrangements.
A Home Loan Health Check is not a guarantee that changes to your existing loan will be recommended or that refinancing will be appropriate.
The outcome of any review depends on your personal circumstances and the assessment conducted by the independent mortgage broker.
Third-Party Content
This Website may contain links to third-party websites or resources.
Mortgage Medics does not endorse or control third-party websites and accepts no responsibility for their content, accuracy, privacy practices or availability.
Website Availability
While we aim to keep this Website operating reliably, we do not guarantee uninterrupted or error-free access.
Mortgage Medics may modify, suspend or discontinue any part of the Website at any time without notice.
Limitation of Liability
To the maximum extent permitted by law, Mortgage Medics excludes all liability for any loss, damage, cost or expense (including indirect or consequential loss) arising from:
- use of this Website;
- reliance on information published on this Website;
- referrals to independent mortgage brokers;
- decisions made by lenders;
- loan approvals or refusals;
- financial outcomes;
- delays or interruptions to Website availability.
Nothing in this Disclaimer excludes any rights or remedies that cannot be excluded under the Australian Consumer Law.
Intellectual Property
Unless otherwise stated, all content on this Website, including text, graphics, logos, branding, images and design elements, is owned by or licensed to Mortgage Medics and is protected under Australian intellectual property laws.
No material may be reproduced without prior written permission.
Changes to this Disclaimer
Mortgage Medics reserves the right to amend this Disclaimer at any time.
The most current version will always be available on this Website.
Your continued use of the Website constitutes acceptance of any updated Disclaimer.
Contact Us
If you have any questions regarding this Disclaimer, please contact:
Mortgage Medics
Email: admin@mortgagemedics.com.au
Website: mortgagemedics.com.au