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Credit Guide & Disclosures
ESF Finance
This Credit Guide provides important information to help you understand the services offered by ESF Finance, who we represent, how we are paid, and how to make a complaint.
This document is provided in accordance with the National Consumer Credit Protection Act 2009.
About us
ESF Finance is a trading name of ESF Advisory Pty Ltd
ABN: 36 661 663 029
Elias Fajloun
Managing Director | Mortgage Broker
Authorised Credit Representative Number: 548611
Credit Representative of Australian Finance Group Limited
Australian Credit Licence Number: 389087
Our role
ESF Finance acts as a mortgage broker. Our role is to:
> Assist you to understand available credit options
> Help you apply for a loan with a lender
> Act as an intermediary between you and the lender
We do not provide legal or financial advice. Any information provided is general in nature and based on information you provide to us.
The lenders we work with
As a Credit Representative of Australian Finance Group Limited, ESF Finance has access to a panel of lenders made available through AFG.
Not all lenders on the panel may be suitable for your circumstances, and not all loan products are considered in every situation.
How we are paid
In most cases, ESF Finance is paid a commission by the lender if a loan we assist with settles.
This commission is generally made up of:
> An upfront commission paid shortly after settlement
> A trail commission paid periodically while the loan remains in place
The amount of commission can vary depending on the lender and the loan product.
Fees and charges
For most residential home loan services, there is no upfront fee payable by you to ESF Finance.
If a fee were to apply, this would be disclosed to you in writing before any service is provided.
You may still be required to pay fees charged by the lender or other third parties, such as application fees or valuation fees.
Referrers and other benefits.
We may refer you to other professionals such as accountants, conveyancers, or other service providers.
In some cases, we may receive a referral fee or other benefit. If this occurs, it will be disclosed to you.
Your obligations
You are responsible for ensuring that information you provide to us is accurate and complete.
Providing incomplete or incorrect information may affect our ability to assist you or the lender’s decision.
Privacy
We collect and handle your personal information in accordance with our Privacy Policy and the Australian Privacy Principles.
A copy of our Privacy Policy is available on our website.
Complaints handling
We are committed to providing high standards of service. If you have a complaint, you can contact us directly.
Elias Fajloun
Phone: 0426 847 400
Email: elias@esffinance.com.au
We aim to resolve complaints within 30 days.
External dispute resolution
If you are not satisfied with our response, you may refer your complaint to our aggregator or an external dispute resolution scheme.
Australian Finance Group Limited
Phone: 1300 654 034
Website: www.afgonline.com.au
Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Website: www.afca.org.au
Email: info@afca.org.au
AFCA is a free and independent dispute resolution service.
Questions
If you have any questions about this Credit Guide or the services we provide, please contact us using the details above.