Credit Guide


This document is designed to assist you to decide whether to engage us to provide credit assistance in relation to credit contracts. As a licensed credit assistance provider, we are required to give you a Credit Guide as soon as practicable after it becomes apparent to us that we may provide assistance to you in relation to a credit contract. This document provides you with information about the services we provide and those of our representatives. It contains information about various fees and charges that may be payable by you to us, as well as certain commissions we may receive from a licensee when we are acting as a credit representative, or we pay to certain third parties. It also contains information about what you should do if you have a complaint or dispute in connection with our services as a credit representative.

ABOUT US (“we, us, our”)

An employee, broker or representative of Brokers Mutual Acceptance Pty Ltd.

Credit Representative :  Loans 4U (AUST)

ABN :  16130112033


Credit Representative Number : 394821

Trading Address :  PO Box 148 Beverly Hills 2209

Mailing Address :  PO Box 148 Beverly Hills 2209

Phone :  0412804248

Email :

Credit Licence Holder   Brokers Mutual Acceptance Pty Ltd

ABN :  20 121 876 953

ACN  :  121 876 953

Australian Credit Licence Number :  388249

Trading Address :  5/6 Somerset Ave Narellan NSW 2567

Mailing Address  : PO Box 680 Narellan NSW 2567

Phone :  02 4647 5666

Email :


Name :  John Tyrrell

Phone :  02 4647 5666

Email :


Financial Ombudsman Service

Phone :1300 78 08 08



We will help you to choose a loan or lease which is not unsuitable for your purposes from our panel of lenders.

  • We will source the best priced product available to you from our panel of lenders
  • We will help you obtain a credit approval
  • We will prepare all necessary loan documentation


  • ANZ/Esanda
  • Pepper Asset Finance
  • Liberty Financial
  • Latitude Financial Services
  • Now Finance

  • Now Finance
  • Money 3
  • Yamaha Finance
  • Australian Premier Finance
  • Group & General


Under the NCCP Act, we are obliged to ensure that any loan or principal increase to a loan that we help you to obtain is NOT unsuitable for you. To decide this, we may need to ask you some questions in order to assess whether the loan or lease is not unsuitable. The law requires us to;

make reasonable inquiries about your requirements and objectives;

make reasonable inquiries about your financial situation;

take reasonable steps to verify that the information provided is accurate.

Credit is deemed unsuitable if at the time of the assessment and at time of providing credit if;

  • you could not pay or could only pay with substantial hardship
  • the credit will not meet your requirements and objectives


We sometimes charge a fee for our services. The maximum this fee will be is $1000.00 including GST. The fee is payable once only. The exact fee applicable to will be disclosed before we submit your loan documents to the lender. There are no other fees and charges payable by you to us however you may be liable to pay fees to the financier. This fee is not payable if finance is not approved. You may obtain from us information about how these fees and charges are worked out and a reasonable estimate of those fees.


We may receive commissions from the lenders and lessors who provide finance for you as our customers. These are not fees payable by you. They are usually calculated as follows:

  • A fixed base fee; and
  • A percentage of the interest payable at the contract written rate over and above the interest payable on the minimum rate as determined by the Credit Provider; and
  • An additional amount based on a percentage of the above two items may also be payable, however this is unknown at the time of entering into the contract.


We may source referrals from broad range of sources including for example, Accountants, Mortgage Brokers, Financial Advisors, Suppliers and vendors etc.; for referring you to us. These referral fees are generally small amounts and accord with usual business practice. These are not fees payable by you. You may, on request, obtain a reasonable estimate of those commissions and how the commission is calculated.


We believe that it is essential for our customers to be able to identify and deal with a broker who has the ability, authority and proper training to hear and respond appropriately to any complaints or disputes. It is a requirement under the National Consumer Credit Protection Act 2009 that we have in place an Internal Dispute Resolution procedure. You can lodge complaints by contacting:

Name :   John Tyrrell

Phone :  02 4647 5666

E-mail :

In writing to :  Brokers Mutual Acceptance Pty Ltd PO Box 680 Narellan NSW 2567

Or by speaking to any representative of our business who will refer you to the Complaints Officer. You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing. When we receive a complaint, we will attempt to resolve it promptly. We hope that in this way we will stop any unnecessary and inappropriate escalation of minor complaints. We will observe the following principles in handling your complaint;

  •  there is no requirement for face-to-face contact between you and us, although it may be useful for us to come to a satisfactory resolution;
  • We expect that both parties will make a genuine attempt to resolve a complaint promptly;
  •  We expect that both parties will provide all essential and relevant information, documents, written statements and any other materials that may properly and reasonably be believed to assist in resolving the complaint;
  • We expect that both parties will comply with all reasonable requests from the other party to provide information within a reasonable time frame.


If we do not reach agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme. Our external dispute resolution provider is; Financial Ombudsman Service

Phone :  1300 78 08 08

Web :

Member : # 14714

External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints.


By signing the document on page 4 you agree to the terms set out in this quote and to pay the fees specified above by the time specified above. After you have signed this document in duplicate, we will give you a copy to keep.


The proposed loan arrangements will be based on the products available from our panel lenders and the information provided by you. If the information you provide is incomplete or inaccurate, then before entering the loan you should consider the loan’s appropriateness having regard to your relevant personal circumstances and if necessary seek independent financial advice. We do not provide legal or financial advice. It is important you understand your legal obligations under the loan, and the financial consequences. If you have any doubts, you should obtain independent legal and financial advice before you enter any loan contract.

If you have any questions about this credit guide or anything else about our services, just ask at any time. We’re here to help you.