Terms & Conditions
Last updated: September 2026
These terms apply to your use of timehomeloans.com.au (the “website”), operated by Time Home Loans Pty Ltd ACN 161 695 012 (“Time Home Loans”, “we”, “us” or “our”). Time Home Loans Pty Ltd is a credit representative 529395 of Mortgage Specialists Pty Ltd ACN 050 601 093 Australian Credit Licence 387025.
By using this website, you agree to these terms. If you do not agree, please do not use the website.
1. General information only
The information provided on this site is for illustrative and discussion purposes only. Whilst all care and attention are taken in its preparation, any party seeking to rely on its content should make their own enquiries and research to ensure its relevance to their specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates are subject to change. Approved applicants only. Your complete financial situation will need to be assessed before acceptance of any proposal or product.
The content on this website has been prepared without taking into account your objectives, financial situation or needs. It is not a recommendation, and it is not legal, tax or financial product advice. You should consider seeking advice from appropriately qualified professionals, such as your accountant, solicitor or a licensed financial adviser, before making decisions.
2. No offer of credit
Nothing on this website is an offer of credit or a guarantee that credit will be approved. Loan products are provided by lenders, not by Time Home Loans. All applications are subject to the lender’s assessment, lending criteria, terms and conditions, and fees and charges. Interest rates, product features and lender policies can change at any time without notice.
3. Calculators and tools
Calculators and tools on this website provide estimates for illustration only. Results are based on the information you enter and on assumptions, which you can view using each calculator’s assumptions button. Results do not represent quotes, pre-approvals or pre-qualifications for a loan, and do not take into account all fees, charges or your full circumstances. Please contact us before making any decisions based on calculator results.
4. Articles, news and market updates
Articles, newsletters and market updates are published for general information and were current at the date of publication. Economic conditions, interest rates, government policies and lender policies change, so information in older content may no longer be accurate.
5. Reviews and testimonials
Reviews and testimonials reflect the individual experiences of the people who gave them and may not be typical of all borrowers. Every client’s circumstances are different.
6. Third-party websites and services
This website contains links to, and embedded services from, third parties, such as review platforms, appointment booking, property reports, social media and lender websites. We do not control and are not responsible for third-party content, products, services or privacy practices. Your use of third-party websites and services is subject to their own terms.
7. Referrals to other service providers
Where we refer you to another service provider (for example a buyer’s agent, sales agent, property manager, insurance provider or utility comparison service), that provider is responsible for the services it provides to you. We may receive a fee or benefit for some referrals. We will tell you about any fee or benefit when making the referral.
8. Intellectual property
Unless otherwise stated, the content on this website is owned by or licensed to Time Home Loans, including text, graphics, logos, images, videos, downloads and calculators. Lender names and logos belong to their respective owners. You may view and print content for your personal, non-commercial use. You must not otherwise copy, reproduce, modify, distribute or republish any content without our written permission.
9. Acceptable use
You must not:
- use this website for any unlawful purpose
- submit false or misleading information, or information about another person without their consent
- attempt to gain unauthorised access to the website or its systems, or introduce viruses or harmful code
- interfere with the operation of the website or other users’ use of it
10. Privacy
We handle personal information in accordance with our Privacy Policy, which explains how we collect, use, disclose and protect your information, including through cookies and website tracking tools.
11. Limitation of liability
To the extent permitted by law, Time Home Loans is not liable for any loss or damage, including indirect or consequential loss, arising from:
- your use of, or inability to use, this website
- your reliance on any information, calculator or tool on this website
- any third-party website or service linked to or embedded in this website
We do not warrant that the website will be uninterrupted, error-free or free of viruses.
Nothing in these terms excludes, restricts or modifies any rights you have under the Australian Consumer Law or any other law that cannot be excluded. Where our liability cannot be excluded but can be limited, it is limited to supplying the relevant services again or paying the cost of having them supplied again.
12. Complaints
If you are unhappy with our service, please see our Complaints and Feedback page for how to make a complaint and how we will handle it.
13. Changes to these terms
We may update these terms from time to time by publishing a revised version on this website. The version published at the time you use the website applies.
14. Governing law
These terms are governed by the laws of Queensland, Australia. You submit to the non-exclusive jurisdiction of the courts of Queensland.
15. Contact us
Time Home Loans Pty Ltd Level 8, 490 Upper Edward Street, Spring Hill QLD 4000 Phone: (07) 3194 0888 Email: [email protected]