Website Terms and Conditions

1. About this website

This website is operated by Time Home Loans Pty Ltd ABN 53 161 695 012, ACN 161 695 012 (“Time Home Loans”, “we”, “us”). Time Home Loans Pty Ltd is credit representative 529395 of outsource Financial Pty Ltd ABN 42 131 090 705, Australian Credit Licence 384324 (“outsource Financial”). By using this website you agree to these terms. If you do not agree, please do not use it.

2. General information only

The content on this website is general information to help you start a conversation with us. It does not take into account your objectives, financial situation or needs. It is not legal, tax or financial product advice. Before you act on it, consider whether it suits your circumstances and speak to a licensed professional, such as your accountant or a licensed financial adviser, where that is appropriate.

We provide credit assistance only after we have given you our Credit Guide and assessed your circumstances.

3. No offer of credit

Nothing on this website is an offer of credit or a promise that credit will be approved. Loan products are provided by lenders, not by Time Home Loans. Every application is subject to the lender’s assessment and approval. Fees, charges, terms, conditions and lending criteria apply and can change without notice.

4. Calculators and tools

Calculators and tools give estimates based on the information you enter and the assumptions built into them. Results are not a quote, a pre-approval or a pre-qualification, and they are not a prediction of what a lender will offer. Speak to us before you make a decision.

5. Articles, guides and market updates

Articles, guides and updates reflect the position when they were published. Interest rates, lender policies, government schemes and laws change, so some content may be out of date. Check the current position with us or with the relevant authority before you rely on it.

6. Reviews and testimonials

Reviews and testimonials come from clients and from third-party review platforms. They reflect individual experiences and may not be typical of all borrowers. Results depend on each person’s circumstances.

7. Referrals and how we are paid

We may refer you to other providers, for example Time Concierge, which compares utility and similar services when you move home. Time Concierge is provided by Movinghub, not by Time Home Loans. We may receive a referral fee from Movinghub if you use the service. You pay no extra cost because of that fee. We tell you about any fee or benefit at the time we refer you.

For home loans, we are generally paid by the lender through commission, so in most cases you won’t pay Time Home Loans a broker fee. Our Credit Guide sets out how we are paid.

Providers we refer you to are responsible for their own services, terms and privacy practices.

8. Competitions and promotions

From time to time we run competitions or prize draws. Each one has its own terms, which are published when it opens. There is no cost to enter, and entry is open only while the promotion is running.

9. Third-party websites and services

This website links to, or embeds, content and services from other parties, such as lenders, property data providers, booking and form tools, maps and analytics providers. We do not control them and are not responsible for their content, products, services or privacy practices.

10. Intellectual property

The content on this website is owned by or licensed to Time Home Loans. You may view and print it for your own personal, non-commercial use. You may not copy, republish, sell or adapt it without our written permission. Lender names and logos belong to their owners and are shown to identify the lenders we can access. They do not mean a lender endorses us.

11. Acceptable use

You must not use this website unlawfully, give us false or misleading information, try to gain unauthorised access, introduce harmful code, or interfere with how the website works.

12. Privacy, calls and AI

We handle personal information under our Privacy Policy, which also covers cookies, analytics and tracking tools, call recording and how we use artificial intelligence. Calls to and from us are recorded, and we tell you at the start of the call.

13. Limitation of liability

To the extent the law allows, we are not liable for any loss or damage you suffer from using this website, relying on its content or tools, or using a third-party link. Nothing in these terms excludes, restricts or changes any right you have under the Australian Consumer Law or any other law that cannot be excluded.

14. Complaints

If you are unhappy with our service, please see our Complaints and Feedback page. It explains how to complain to us and to the Australian Financial Complaints Authority (AFCA).

15. Changes to these terms

We may change these terms by publishing a new version on this website. The version that is published when you use the website applies to that use.

16. Governing law

These terms are governed by the laws of Queensland, Australia. You and we submit to the non-exclusive jurisdiction of the courts of Queensland.

17. Contact us

Time Home Loans Pty Ltd, PO Box 2505, Brookside Centre QLD 4053. Phone (07) 3194 0888. Email johnathon.reeves@timehomeloans.com.au.