Services Offered
Realloans Australia acts as a finance broker on behalf of lenders for home loans, commercial loans, business finance, personal loans, car loans, equipment finance, and other credit products. We provide you with information regarding the type and availability of credit contracts, finance products, and loans.
We assist you in the application for finance by arranging offers to be made to you by lenders. We do not advise you on the legal or financial implications of entering into credit arrangements or particular finance products. We recommend you seek independent legal and financial advice before entering into any credit contract.
Our Panel of Lenders
We have entered into arrangements with over 45 lenders which allow us to obtain credit for you from these lenders, subject to you meeting the lender’s credit criteria. The lenders with which we have arrangements do not necessarily represent all the lenders who offer credit of the nature that you seek.
We can consider entering into agreements with lenders that are not part of our standard panel, providing they deal with brokers and consent to our accreditation.
Fees Payable by You
No fees are payable by you to us for most loan types. We are paid by the lender for doing the work that would otherwise be completed by a mobile lender or bank manager.
For some types of loans such as commercial loans, private lending, short-term loans, or loans where we will not earn industry-standard commissions, we may charge you a brokerage fee. In all cases, any fees charged by us will be disclosed to you upfront before any work is commenced.
Refund Policy
Brokerage fees will be refunded to your nominated bank account if we are unable to obtain loan approval for you from any lender on our panel.
Benefits Received by Us
We may receive an upfront commission of between 0% and 2.25% of the amount borrowed by you and ongoing (trail) commissions of between 0% and 0.55% of the balance owing by you from time to time. These percentages include GST.
We may pay a referral fee to the person or company that referred you to us, if applicable.
We confirm that:
- Any commission or other benefit we receive from a lender for arranging your loan will not result in any additional cost to you.
- The commission or benefit we receive does not influence the loan product recommended to you. Our recommendations are based on your individual needs and circumstances.
- Details of any commissions we may receive will be disclosed to you in writing prior to loan settlement.
Your Obligations
You acknowledge and agree that:
- All information provided by you is true, correct, and complete in every detail.
- You will promptly notify us of any changes to the information you have provided.
- You authorise us to obtain any information we require from third parties, including but not limited to credit reporting bodies, employers, accountants, and other financial institutions.
- You will cooperate with us and provide all documentation and information required in a timely manner.
- You will not deal directly with any lender we have introduced to you, for a period of 12 months after we have introduced you, without our prior written consent.
Privacy Disclosure Statement and Consent
We are collecting personal information about you to provide you with our broking services. The information is required to allow us to assist you in preparing the loan application and locating an appropriate lender. If the information is not provided, we may not be able to find an appropriate loan for you.
We may use your information to provide you with offers or information of other goods or services we or a third party may be able to provide you with, unless you tell us not to use your personal information for this purpose in writing.
We may disclose your information to other organisations to fulfil the purposes identified in this agreement. The types of organisations we may disclose your information to include:
- Lenders and their mortgage insurers
- Credit reporting bodies
- Financial consultants, accountants, or lawyers
- Your employer or referees
- Our professional advisors
- Government and regulatory bodies as required by law
- Any other organisation with your consent
You authorise these organisations to release to us any information we may request. For more details, please refer to our Privacy Policy.
Complaints and Dispute Resolution
Please address all feedback to:
Complaints Manager
Realloans Australia (Tota Pty Ltd)
93 Moxham Drive, Kalkallo VIC 3064
Email: [email protected]
Phone: +61 412 447 728
We endeavour to handle your feedback in-house via our Director or Complaints Manager. In the event that a complaint you lodge with us is unable to be resolved, you may refer your complaint to the Australian Financial Complaints Authority (AFCA).
You may contact them only after you have been unsuccessful in coming to an agreement with us regarding your complaint. Their contact details are:
Australian Financial Complaints Authority (AFCA)
GPO Box 3
Melbourne VIC 3001
Tel: 1800 931 678
Website: www.afca.org.au
How Will My Complaint Be Handled?
Our Complaints Manager will record the complaint on our register, investigate the complaint by discussing the matter with our staff, and then contact you to further clarify your complaint.
Once sufficient information has been gathered, a decision is made on what action to take and, if necessary, compensation may be paid.
Once action has been taken, our Complaints Manager will analyse the cause of the complaint and discuss any required changes to our systems and procedures with the Director.
The register is then updated with the outcome and the complaint file is closed.
Limitation of Liability
To the maximum extent permitted by law, Realloans Australia (Tota Pty Ltd) will not be liable for any loss or damage arising from the use of our services, including but not limited to indirect, incidental, or consequential losses.
Our liability is limited to the amount of any fees paid by you to us for the services provided.
Governing Law
These terms and conditions are governed by and construed in accordance with the laws of the State of Victoria, Australia. You irrevocably submit to the exclusive jurisdiction of the courts of Victoria.
Changes to These Terms
We reserve the right to update or modify these Terms and Conditions at any time without prior notice. The most current version will always be available on our website. Your continued use of our services after any changes constitutes your acceptance of the revised terms.
Credit Representative 544708 is authorised under Australian Credit Licence Number 384704.
Last updated: April 2026