Terms of Use

1. General Information & Scope

EZ Mortgage Broker is a registered business trading name of Mortgage Broker Online Pty Ltd (ABN 28 657 661 615). We provide residential home loan comparisons, mortgage refinancing, investment finance, SMSF lending, self-employed credit assistance, and commercial finance advisory to clients throughout Victoria and Australia.

We operate as an authorized Credit Representative (Credit Representative No. 538522) of National Mortgage Brokers Pty Ltd (nMB) (ACN 093 874 376), which holds Australian Credit Licence (ACL 391209).

The information provided on this website is for general educational and informational purposes only. It is not intended to constitute financial, legal, credit, taxation, or investment advice. Prior to making any financial commitment, we recommend seeking tailored guidance from one of our licensed mortgage brokers who can evaluate your specific objectives, borrowing capacity, and financial position.

2. Use of This Website

You agree to use this website only for lawful personal or business purposes in a manner that does not infringe the rights of, or restrict the use and enjoyment of this site by, any third party. You must not:

• Cause damage, disruption, or operational impairment to this website, its servers, or connected network infrastructure;
• Submit fraudulent, deceptive, misleading, or unlawful financial information through our loan calculators or enquiry forms;
• Harvest, scrape, or extract email addresses, phone numbers, or code without prior express written authorization;
• Transmit malicious code, viruses, automated crawlers, or harmful data payloads.

3. Credit Licensing & Best Interests Duty Disclosure

Credit assistance provided through this website or by our mortgage brokers is provided under the authorization of National Mortgage Brokers Pty Ltd (nMB), Australian Credit Licence 391209.

Under Part 3-5A of the National Consumer Credit Protection Act 2009 (Cth), we are legally bound by the Best Interests Duty (BID). When providing credit assistance, we must always act in your best interests and prioritize your financial well-being over lender margins or commission structures. Any credit facility we recommend will be based on a comprehensive assessment of your personal requirements and financial suitability.

4. Intellectual Property Rights

All content published on this website—including articles, interactive calculators, text copy, graphic branding, logos, icons, diagrams, and software—is the property of Mortgage Broker Online Pty Ltd or its licensors and is protected under Australian and international copyright and trademark laws.

You may print or download electronic excerpts for personal, non-commercial reference only. Any reproduction, republication, redistribution, or modification of our digital assets without written consent is strictly prohibited.

5. Links to Third-Party Websites

This site may feature links to external third-party websites, government authorities (e.g. State Revenue Office Victoria, Housing Australia, Australian Taxation Office), and credit providers for informational reference. EZ Mortgage Broker does not control these external sites and accepts no responsibility for their content, accuracy, availability, or privacy practices.

6. Anti-Spam & Fair Use Policy

You may not use communication channels, forms, or published contact information on this site to distribute unsolicited commercial electronic messages (spam). Any misuse of enquiry forms or calculation tools may result in immediate access suspension and legal referral.

7. Disclaimer of Liability & Indicative Pricing

While we make every effort to maintain accurate, up-to-date interest rates, government grant thresholds, and stamp duty concession metrics, economic conditions and lender policies change continuously. All interest rates, loan features, fees, and repayments displayed on this site or generated by calculators are indicative only and subject to formal lender approval.

Mortgage Broker Online Pty Ltd excludes all liability for any direct, indirect, incidental, or consequential loss or damage arising from reliance on information published on this website.

8. Limitation of Liability

To the maximum extent permitted by law, EZ Mortgage Broker and National Mortgage Brokers Pty Ltd exclude all liability for lost profits, loss of data, business interruption, or damages arising out of your access to or use of this website. Nothing in these Terms limits statutory rights under the Competition and Consumer Act 2010 (Cth) that cannot be excluded by contract.

9. Privacy & Data Protection

Your use of this website is also governed by our Privacy Policy, which details how we collect, handle, store, and safeguard your personal information in strict accordance with the Privacy Act 1988 (Cth) and Australian Privacy Principles (APPs).

10. Third-Party Platforms & Digital Tools

We utilize secure third-party platforms to streamline client communication and loan document collection (including CRM systems, digital identity verification, and electronic signing services). Your interaction with our web forms and calculator tools is processed securely in compliance with Australian data security standards.

11. Amendments to Terms

We reserve the right to modify these Terms of Use at any time. Any changes will be published immediately to this page. Your continued use of the website following changes constitutes acceptance of the updated Terms.

12. Governing Law & Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of the State of Victoria, Australia. Any dispute arising in connection with this website shall be subject to the exclusive jurisdiction of the courts of Victoria.

13. Contact Us & Dispute Resolution

If you have any questions regarding these Terms of Use, or wish to submit feedback, please contact:

If an issue cannot be resolved directly, you may escalate to the Australian Financial Complaints Authority (AFCA): GPO Box 3, Melbourne VIC 3001 | Phone: 1800 931 678 | Email: [email protected] | Web: www.afca.org.au.